What Is an Out-of-Country Exclusion?

Out-of-Country travel as a passenger pushes luggage through the Haneda Airport in Tokyo, Japan

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Insurance companies work by creating a wide pool of funds from member contributions, which they use to settle certain valid claims. In order to remain solvent and mitigate losses, insurers create provisions that limit the items covered in the policy and the circumstances in which they are obligated to pay you. Some of these policy provisions affect all types of insurance, while others are industry specific. For example, the overseas exclusion is common for car insurance.

What are the exceptions?

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According to Bankrate, insurance exclusions are certain types of risks or events that are not covered by the policy. Insurance exclusions may be the basis of whether or not your claim is denied. Therefore, you should read the substance of the policy to ensure that it provides the coverage you need.

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