Is it practical to find travel insurance that has no alcohol-related exclusions?
CHOICE travel insurance buying guide mentions alcohol-related exclusions for insurance:
Alcohol
Cover for overdoing it on vodka and Red Bull and float-tubing down a river in Laos isn't included in any policy. Insurers simply won't pay for costs arising from you being under the influence of alcohol or a drug (except where taken under the advice of a doctor).
Case study: Jenny*
Jenny was nightclubbing with friends in Bali, Indonesia, when she became ill after drinking a cocktail. Her friends recognised the symptoms of methanol poisoning and rushed her to hospital.
Fortunately, Jenny recovered after two weeks of care. But because she had been drinking alcohol at the time she was poisoned, her insurer refused to pay the claim.
Jenny's cash-strapped family had to sell their car to pay the $25,000 in medical expenses.
Alcohol and travel insurance: how does drinking impact your cover? has a look at various travel insurance policies, and lists alcohol-related exclusions for them. For what it's worth, it mentions that just because a company has an exclusion, it's not necessarily a blanket exclusion, such as Southern Cross Travel Insurance (expanded on in their blog post They say "Nothing good happens after midnight!").
I'm aware of the risks of excessive drinking, and I'm not a big drinker - I'm often the only person in a gathering that isn't drinking, but I occasionally have a foreign drink or two when travelling, such as sake or plum wine.
Is it practical to find travel insurance for Australians that has no alcohol-related exclusions at all?
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What travel insurance will not cover?
Losses due to venereal disease, AIDS virus, pregnancy (except complications of pregnancy), or abortion. Losses due to mental, psychological, or nervous disorders including anxiety, depression, neurosis or psychosis. Losses due to nuclear radiation or radioactive contamination.What is typically covered by travel insurance?
Most travel insurance plans cover medical emergencies, trip cancellation, trip interruption, delays, medical evacuation, and lost, damaged, or stolen luggage.Which of the following contingencies are covered under travel insurance?
The travel insurance policy covers death, permanent total disability, permanent partial disability and hospital expenses for injury and transportation of mortal remains caused due to any rail accidents or unfortunate events.What is covered under trip protection?
What does travel insurance cover? The coverage that most people are aware of is trip cancellation, which provides reimbursement for unused, non-refundable, prepaid trip costs if you need to cancel your trip for a covered reason, such as sickness, job loss, flight cancellations due to adverse weather and more.#TravelInsurance Travel Insurance Cancel For Any Reason: What You Need To Know
Sources: Stack Exchange - This article follows the attribution requirements of Stack Exchange and is licensed under CC BY-SA 3.0.
Images: Lachlan Ross, Monstera, Andrea Piacquadio, Kamaji Ogino