It seems that it is common practice among many (but not all) travel insurance companies to exclude country(ies) whose nationality the traveler possesses (even if the traveler does not live in his country of nationality). My question is: what is the reason for this practice? In other words, what is the extra risk for covering a traveler to a country where he possesses nationality?

Some remarks:

  • Note that I do not mean country of residence, but country of nationality. E.g. if I'm a German citizen, but am living abroad (let's say in France), then why does a travel insurance not cover me if I travel home to Germany?

  • Adding to the above, I can understand (or at least I think) the reason, why some of the insurers don't cover the country of residence: probably higher risk of something happening during the extended stay, or they think a resident is already covered by national insurance. But these risks do not apply for a national living abroad, do they?

Addendum (example, as per remarks)

That was like a month ago, but I remember having seen this exclusion in various policies offered in Hungary. Now, I could find only one, and as I'm not sure I'm allowed to link it directly, for now I will just add my translation (N.B. the company itself is NOT Hungarian):

Risk bearing of the Insurance Company for insured persons having foreign, or double or multiple citizenships:

a) insurance against sickness, health services, insurance against accidents, luggage insurance, travel assistance services, legal protection and liability insurance do not cover events occurring in Hungary and other state(s) where the insured person has citizenship(s)

  • 3
    I have never heard of this practice. Obviously this is "travel" insurance, and staying say with your parents for six months will not be covered, no matter what country they live in, but I have never seen anything of such restrictions for travel. Could you give examples where you found this? – gnasher729 Dec 2 '18 at 17:55
  • 2
    I checked a handful of German examples, and they only exclude the country of residence. Of course, that’s just a tiny sample. – chirlu Dec 3 '18 at 7:37

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