Depending on the coverage opted, the following circumstances, damages, or expenses may not be covered by your travel insurance policy:

• Trains/flights missed due to local civil war/protest
• Accident due to local civil unrest/protests
• Pre-existing medical conditions
• If the baggage is delayed for less than 24 hours
• Partial loss of checked-in baggage

Exclusions vary from provider to provider, hence, it is recommended to compare policies in detail before purchase.