Eight Weird Situations Not Covered by Insurance

Last month Taylor Swift supposedly insured her long, luscious legs for $40 million, Jennifer Lopez insured her voluptuous derriere for $300 million, and Julia Roberts insured her megawatt smile for $30 million. Celebrities and one-percenters prove you can pretty much insure anything (with enough money), but for most of us, extravagant policies are out of reach. Here are eight odd circumstances in which insurance companies leave us hanging.

Children’s Eyeglasses

Yup, that’s right, children’s spectacles aren’t covered by most health insurance plans. This isn’t necessarily weird, but rather absurd that visually challenged kids aren’t provided such a basic necessity.

Breaking the Law


“Daumenschellen (Thumbcuffs Bondage) Model Ina” by © Raimond Spekking / CC BY-SA 4.0 (via Wikimedia Commons). Licensed under CC BY-SA 4.0 via Wikimedia Commons

Did you break your leg jumping off a roof while tripping on acid trying to recreate Almost Famous? Tough luck, because your health insurance won’t cover any injuries acquired while breaking the law.

Rodeo Clowns

rodeo clowns

Jimmy E.L.E. via Genius

If you are thinking about becoming a rodeo clown, think twice, because health insurance isn’t going to pay for your medical bills after getting kicked in the face by a horse.

Nuclear Accidents

In 1979, a nuclear meltdown occurred near a small town in Pennsylvania. Unfortunately, the residents had to pay out of pocket for all the damages incurred by the fallout.


oil spill

“Defense.gov photo essay 100506-N-6070S-819” by Petty Officer 2nd Class Justin Stumberg – This Image was released by the United States Navy with the ID 100506-N-6070S-819.

In the same vein as nuclear accidents, pollution isn’t covered by insurance either. No wonder Gulf of Mexico residents are still recovering from the 2010 BP (British Petroleum) oil spill.

Damage from Wars

The famous saying, “all’s fair in love and war” should really be applied to property insurance, because your policy most likely won’t cover war damages. Let’s just hope World War III never happens.

Sound Damage to Teeth


“Teeth by David Shankbone” by I, DavidShankbone. Licensed under CC BY-SA 3.0 via Wikimedia Commons

Next time you go to a Dubstep festival, remember to guard your teeth, because sound damage from “dirty bass” isn’t covered by health insurance.

Land Under Your Home

Did you know that the land under your home isn’t covered?


Are insurance companies being fair? Has anyone been denied insurance for a dire or odd situation? Tell us your story.

Additional Image: Lebbeus Woods



Zara Zhi
Zara Zhi
Zara is a freelance writer and filmmaker who has worked for numerous magazines and news sites. When not coming up with puns or writing screenplays, she enjoys having blind children read to her and donating plasma TVs. Follow her on Twitter: @zarazhi