- One of the biggest surprises tends to be the alcohol, drugs or medication exclusion - if you happen to have a few too many drinks, stumble off a curb and break your ankle, your hospital costs will probably not be covered. Specifically, the wording states that there will be no payment for injury directly or indirectly caused by an insured person’s abuse of or intoxication due to the above substances.
- And what if you’re injured while scuba-diving – does your insurance cover you? Well, it depends. If you’ve been properly trained and are certified by an internationally recognized and accepted program (like NAUI or PADI), then you most likely will be covered. If you’re not certified though, don’t count on having any related medical costs paid for by your travel medical insurance.
Written by Derek F.
Insurance Services Manager, New Westminster London Drugs