economy
January 10, 2026
War, booze and mopeds: Travel insurance coverage gaps that may surprise you
The U.S. military operation in Venezuela exposed unusual scenarios in which travelers may not be covered by their insurance policy.
TL;DR
- Many travelers learned about the limitations of travel insurance when flights were canceled due to U.S. military operations in Venezuela.
- Standard travel insurance policies often exclude coverage for disruptions caused by war, civil disorder, military activity, or government intervention.
- Exclusions can also include injuries sustained while intoxicated or participation in risky activities like scuba diving, skiing, or riding mopeds.
- Travel to certain countries may be excluded from coverage due to government advisories or sanctions.
- Optional add-ons like 'cancel-for-any-reason' or 'interruption-for-any-reason' coverage can provide broader protection but come at a higher cost and have specific notification requirements.
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