What is a common exclusion in travel insurance policies?

Pre-existing conditions are commonly excluded from travel insurance policies for several reasons. Insurers typically view these conditions as predictable risks, meaning that they can foresee that a policyholder might need medical attention related to a pre-existing condition during their trip. If travelers have existing health issues and face complications arising from them while traveling, insurers often deny coverage based on these exclusions.

Insurance companies aim to manage risk by excluding conditions that were known prior to the policy purchase, as this helps keep premiums manageable and protects the insurance provider from potential high claims. Travelers concerned about their pre-existing health conditions should seek out policies that specifically offer waivers for such exclusions or look for specialized coverage that may include them under certain conditions.