Missed flights due to late arrival If you miss your flight simply because you arrived late at the airport, this is generally not an insurable event. Travel insurance is designed to cover unforeseen circumstances, not delays caused by personal time management. Only disruptions outside your control, such as severe traffic accidents or public transport failures, may be considered under specific policy conditions.

Travel to destinations under official government warnings Most insurers will not cover travel to countries or regions where the UK government has issued an official warning against all travel or all but essential travel. Travelling to these destinations increases personal risk significantly, and any claim made while in a restricted zone is likely to be excluded. Always check government travel advisories before finalising your plans.

Undeclared pre-existing conditions If you have a medical condition and don’t disclose it when buying your policy, your insurer may not cover any claim related to that condition. This is because insurance relies on accurate information to assess risk. Failing to declare a condition, even unintentionally, can invalidate parts of your cover and leave you responsible for medical costs that would otherwise have been insured.

Incidents involving alcohol Most travel insurance policies exclude claims arising from excessive alcohol consumption. If an accident, injury or lost item occurs while you are under the influence, insurers may decline the claim because of alcohol-impaired judgment.