Insurance exclusions

What your medical insurance policy does not cover, including extreme sports.

Last updated June 17, 2026

Some treatments and activities are not covered by your policy. The most important exclusion to know about is that pre-existing and chronic medical conditions are not covered. See Pre-existing conditions for what this means and what to do.

For the full list of exclusions, read your plan's Benefit Summary, which you can access in the EGI Student Zone. If you are unsure whether something is covered, check there before you travel or contact your country office.

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