What insurance will not cover depends on type of insurance, but generally insurance does not cover intentional acts, wear and tear, and excluded perils listed in policy. For car insurance, not covered includes intentional damage you cause on purpose, wear and tear like brake pads, tires, mechanical breakdown not from accident, driving under influence may void coverage, racing, using personal car for commercial delivery without endorsement, and personal belongings stolen from car limited. For home insurance, not covered includes flood unless you buy flood endorsement, earthquake unless endorsement, wear and tear, mold due to neglect, pests, war, nuclear hazard, and home business equipment beyond limit. For health insurance like Manitoba Health and private like Manitoba Blue Cross, not covered includes cosmetic surgery purely for appearance, experimental treatments not approved by Health Canada, services not medically necessary, and for public health, not covered includes prescription drugs outside hospital, dental, vision for adults 19 to 64, ambulance, physiotherapy outside hospital. For life insurance, not covered includes suicide within 2-year contestability period, death from illegal activity, and misrepresentation on application. For travel insurance, not covered includes pre-existing conditions not stable, extreme sports unless rider, and travel to war zones. Overall, insurance will not cover intentional acts, illegal acts, wear and tear, maintenance, and specifically excluded perils listed in policy wording, so read exclusions section.
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