The purpose of travel insurance is to ensure that you get some of the unfortunate events or emergencies that occurred before or during your trip. If something went wrong during the holidays and you want to claim travel insurance, then having a smooth and straightforward process is ideal. You want to avoid the unnecessary hassle and the possibility of having your claims rejected.
It would be good if we could easily receive insurance claims, but that is not always the case. Not all claims are reimbursed, although insurers spend hundreds of millions a year to pay for insurance claims. In the UK alone, insurance companies pay out £345 million each year for their customers’ claim payments. But why are travel claims rejected? These are the most common reasons everyone should know.
Inadequate supporting documents
Let’s start with the most typical reason insurance claims are rejected: you have incomplete supporting documents. When making a claim, you must provide or submit substantial evidence to support the events that caused you distress during your trip. This evidence may include carrier delay information, police reports for accidents or illegal acts, medical certificates or proof of purchase.
Unattended items are things that you have lost or left behind at your destination, including cell phones, laptops, cameras, bags, watches and wallets. Unless the items are safely locked in the car or safe, you cannot make insurance claims for the things you accidentally or carelessly lost. Insurers have policies covering this matter so make sure you are aware of them. And to avoid being rejected, always take good care of your belongings when you are on vacation.
Events before purchase of travel insurance
Events that take place before you take out your travel insurance are obviously not covered. Attempting to make claims for such situations will not only result in rejection, but will also be considered a fraudulent act and you may be held liable for it. The ideal time to purchase travel insurance is once you have booked your trip. It will be useful for future situations.
not advised to travel
If you go against the travel advice of the World Health Organization (WHO), your insurer will not cover your claims. If you travel to a place that WHO has advised everyone not to go, this becomes your decision and you are liable for it. To make sure you travel safely, always check the latest travel advice from the WHO.
Illegal, Dangerous and Reckless Activities
If you do something illegal such as fraud, theft, dishonesty, drug use, etc., your insurance company will not pay your claims. A claim will also be rejected if you have an accident or miss a flight due to excessive alcohol consumption. It is your responsibility to drink in moderation, so you cannot expect your irresponsibility to be covered by your travel insurance.
As for the hazardous activities, the terms depend on insurance policies. Some companies do not cover extreme sports and activities. However, if you pay an extra premium, there may be policy coverage for parasailing, bungee jumping, trekking and mountaineering, just to name a few. It is best to read the conditions of the travel insurance you have chosen.
Undeclared health problems
One of the reasons people buy travel insurance is for their health. Knowing that medical services are expensive, it is helpful to have insurance ready, especially if you are traveling. However, you should never forget to declare your pre-existing medical conditions with supporting medical documents when purchasing travel insurance. It ensures that the medical costs incurred during your trip are covered and that you do not have to lose large amounts of money.
If you do not declare your health condition, you will not be able to use your travel insurance. It is also advisable not to travel if your doctor has advised you to.