Travel insurance for Sri Lanka claims adjuster perspective what is excluded

From the claims adjuster trenches the typical exclusions travelers regret 1 Motorbike or scooter rental Most standard policies exclude any two wheeled vehicle without an international motorcycle license endorsed with the same engine size you rented Sri Lankan scooter accidents are the number one claim denial Get specific motorcycle cover or do not ride 2 Surfing scuba diving climbing covered by most policies but ONLY at standard depths and reef breaks Pekoe Trail or Knuckles trekking falls outside adventure cover for many policies look for extreme sports or mountain trekking endorsement 3 Pre existing conditions including a flare up that was symptomatic in the 90 days before travel Asthma diabetes heart conditions Get medical declaration upfront 4 Dengue is usually covered as standard medical but evacuation by air ambulance ($25k to $50k) requires separate evacuation cover not all policies include 5 Mental health crisis is often excluded outside USA UK 6 Tropical storm trip disruption needs to be triggered by official advisory Buy SafetyWing World Nomads or Allianz Travel that explicitly list dengue evacuation tropical storm and trekking