11 Surprising Things Travel Insurance Actually Covers (and Doesn't)

10. Unattended Belongings

One of the most surprising exclusions in travel insurance policies is coverage related to unattended belongings. Many travelers are unaware that their insurance may not cover theft or loss of personal items if they are left unattended in public spaces or unsecured locations. This exclusion is common, as insurers view such incidents as preventable and within the control of the traveler, particularly one that is cautious about their belongings. Travelers ideally should be aware of the potential impact of unattended belongings on their coverage and take steps to mitigate risks. This includes securing personal items in hotel safes, using anti-theft bags and locks, and being vigilant in crowded or high-risk areas.