Natural disasters
Not all insurers will give cover for natural disasters, so you should check with your insurer before you buy. Many insurers won't include natural disasters like volcanic eruptions or avalanches. Often, natural disasters are seen as 'known events,' so you won't be covered for these.
High risk activities
You may need to take out a specialist policy if you're planning on doing any high-risk activities. These can include snowsports, watersports, and other activities that are considered dangerous.
Any pre-existing conditions you haven't declared
You should always declare any pre-existing medical conditions to your insurer. If you don't declare medical conditions, this could invalidate your policy and leave you with large medical bills to cover.
Incidents involving alcohol and drugs
Any mishaps that happen under the influence of drugs and alcohol won't be covered by your policy.
Travelling against FCDO advice
The FCDO (Foreign, Commonwealth and Development Office) issue warnings about travelling to certain countries. If you decide to travel against FCDO guidelines, you won't be covered