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Other exclusions that might apply in a travel insurance policy include injury or death through acts of terrorism or nature and accidents caused through drinking alcohol. So it is wise to do some research on your destination before you travel to avoid common travelling traumas, risks and dangers. After the World Trade Center and the Bali bombing insurers are careful about the level of travel insurance cover they offer and what they will pay out for. Also check with the Foreign and Commonwealth Office that they have not advised against travelling to the country you are planning to travel to. Some Insurers will not provide cover for these countries.

Drink - related incidents will usually not be covered in a travel insurance policy so be aware in the event of an incident you will have to pay your own medical costs and also for any injury or damage caused to others.