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

8. Alcohol and Drug Use

One of the most surprising exclusions in travel insurance policies is coverage related to incidents involving alcohol and drug use. Many travelers are unaware that their insurance may not cover accidents, injuries, or medical expenses incurred while under the influence of alcohol or drugs. This exclusion is common, as insurers view such incidents as preventable and within the control of the traveler. Travelers should be aware of the potential impact of alcohol and drug use on their coverage and take steps to mitigate risks. This includes understanding the legal drinking age and drug laws in their destination, as well as exercising caution and moderation while consuming alcohol or drugs. By being mindful of the potential exclusions related to alcohol and drug use, travelers can ensure that they maintain their coverage and protect themselves from the financial and logistical challenges that may arise during their trip.