What this plan will not cover
- Pre-existing conditions are generally excluded per official Heymondo policy guidance.
- Non-urgent/routine care is outside emergency travel-insurance intent.
- Adventure-sport events outside base activities require the relevant add-on.
- Cruise-trip medical support requires cruise add-on when applicable in product setup.
- Cancellation and disruption benefits apply under defined triggers and policy timing conditions.
- Electronics coverage is conditioned by baggage limits and selected plan level.
- Certain activities/scenarios require add-ons and are excluded if not purchased.