Which situation would most likely NOT be covered by travel insurance?

Travel insurance typically provides coverage for various unexpected events that can disrupt a trip, including lost luggage, trip cancellations due to extreme weather, and even injuries sustained during travel activities such as car accidents. However, coverage for war-related incidents is generally excluded from most travel insurance policies. This is because war-related risks are considered high-risk exposures that standard insurance policies do not cover to prevent excessive losses for insurers.

Travelers are usually advised to look for specialized coverage if they are traveling to areas where war or armed conflict may occur, as those situations fall outside the typical parameters of standard travel insurance. This understanding highlights that while travel insurance can safeguard against a wide range of disruptions, it does not extend to cover events arising from war or acts of terrorism, distinguishing them from other more common travel-related issues.