WHAT TRAVEL INSURANCE DOESN’T COVER

Insurance won’t cover everything. The standard “named exclusion” policy has a few notable exceptions: u Pre- existing medical condi

tions. Though some policies offer a waiver for medical conditions, you have to make sure you meet all of its conditions. Otherwise, canceling a trip because your bad back acted up will be unsuccessful. uChanging your mind. Don’t want to take the vacation? Most insurance won’t cover you, but you can always go for a more expensive “cancel for any reason” policy, which would. uPsychological or nervous disorders. If you can’t board a flight because you’re afraid of flying, you generally can’t file a successful claim. uPartying too hard. If you had a little too much to drink the night before your return flight and missed it, don’t bother filing a claim. Intoxication is not a covered circumstance.