The covered amounts get compared carefully while the exclusions go unread. This is backwards. Headline figures describe the best outcome. Exclusions tell you when the policy does nothing at all. Anything beyond ordinary sightseeing deserves checking. The activities people book once they arrive are commonly listed as excluded. The add-on is normally inexpensive. The check happens too late to be useful. Pre-existing medical conditions are the second major gap. The omission matters precisely when the cover would have mattered. Declaring may raise the premium. This exclusion is standard and applied strictly. Property left unwatched is not covered when it disappears. A bag beside you while you swim counts as unattended. Expensive equipment often exceeds the standard cap. Cancellation is covered only for consumer awareness listed reasons. Government warnings affect policy validity. Most policies list them in a few pages. The travellers who are never surprised by their policy generally read this section before departure.
