Standard travel insurance policies explicitly exclude several predictable or high-risk scenarios, such as pre-existing medical conditions (unless a waiver is purchased by enrolling within 14 to 21 days of your initial trip deposit), routine check-ups, normal pregnancy care, and injuries sustained while participating in extreme adventure sports or unguided mountaineering without specific policy add-ons. Furthermore, losses arising from acts of war, civil unrest, government travel bans, or incidents occurring while under the influence of alcohol or non-prescription drugs are universally excluded from coverage.
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