The most common exclusions on emergency medical coverage are:
- pre-existing conditions that weren’t stable before you left;
- routine or elective care, such as checkups, planned treatment or care you travelled to get;
- travel to a region under an ‘Avoid non-essential travel’ or ‘Avoid all travel’ advisory, if you left after it was issued;
- some sports and activities, unless you add coverage.
Trip cancellation coverage doesn’t pay for a reason you knew about when you bought it, or for changing your mind. Most medical plans also pay less if you don’t call the assistance line before treatment, or as soon as you can. Each policy lists its own exclusions and limits.