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Loss or damage due to delays in the delivery of luggage to a destination in a scheduled or chartered flight during a trip lasting for up to 92 consecutive days.

Loss or damage due to the purchase of necessities for each insured party aged 18 and older if they do not receive their checked-in baggage within 8 hours.

Loss or damage due to the purchase of necessities for the insured’s children under 18 years of age if they are travelling with the insured.

If there are delays in luggage on the way home to Iceland.

Loss or damage to the insured caused by fire, burglary, theft, transportation accidents, as well as if the luggage is completely lost during transportation.

Loss or damage to the insured due to burglary from locked residences, vehicles and boats.

Loss or damage caused by moths, vermin, atmospheric conditions, weather or normal wear and tear.

Bicycles stored outdoors.

Damages to suitcases.

Cash, travel tickets, traveller’s cheques, cheques, bonds or other securities.

Fragile items.

Unavoidable costs resulting from the insured being injured, becoming ill or dying while travelling abroad, e.g. hospital costs or additional costs due to illness, e.g. hotel expenses.

Travel expenses, e.g. medical transport costs on medical advice, flight changes and/or ambulance flights.

Additional costs for a return trip to Iceland due to serious illness or the death of a close relative.

Transport of the deceased.

Medical costs occurring during the ninth (9) month of pregnancy, during childbirth or abortion.

Medical costs due to ongoing medical costs.

Medication costs for drugs that the insured has been using on a regular basis before the trip commenced.

Travel expenses, up to the insurance amount, paid in advance, or those for which a pre-payment agreement is made and which are not refundable.

Loss or damage if the insured or close relatives, e.g. spouse, child or parents, suffer a serious accident, sudden illness, physical injury, or other similar events, confirmed by a doctor with a medical certificate that the person is not fit to travel.

Cancellation resulting from any kind of illness or disease that was pre-existing prior to the purchase of the insurance policy or when the confirmation fee for the trip was paid.

Cancellation due to diseases occurring after the 36th week of pregnancy.

Cancellation or costs due to sexually transmitted diseases.

Cancellation due to self-inflicted injuries or damage occurred when the insured has unnecessarily put themselves at risk.