Traveling is a good experience that one can have in one’s life. Most travelers choose to buy travel insurance to be “safe” when something doesn’t go according to plan or something unexpected happens. Before customers buy travel insurance, it is critical that customers understand what the insurance does and does not cover. There is no guarantee that you will inevitably be covered if something goes wrong. Misinterpreting an insurance policy can leave you disappointed when your travel insurance claim is rejected when you need it most.
What if your travel insurance claim is rejected when you need it most? These are the most common reasons your claim may be rejected:
Undeclared pre-existing conditions
When taking out travel insurance, indicate whether you already have a medical condition. Some insurers cover medical conditions at an additional cost, while others do not. If you do not disclose this information, your attempt to file a travel insurance claim may be denied when your medical records are consulted. Check and follow all the rules set by the provider. Keep in mind that this specific insurance coverage is only for unexpected injury and illness.
Incomplete forms and documentation
Another reason your travel insurance claim may be rejected is simply an incomplete form, missing important information, or incorrectly completed. Always make sure that your form is filled out correctly and completely. All necessary attachments are provided before you send your claims, such as doctor’s certificate, police report (for theft or loss of the item), proof of purchase for your valuables or even confirmation of the carrier’s travel delay.
Participating in adventurous or dangerous activities
Travel insurance policies have different coverages in terms of sports activities and adventure they cover. They usually don’t cover extreme sports that are considered dangerous, but an additional premium may be available for activities such as parasailing, jumping, hiking at height, etc. Make sure to check the activities your provider covers before signing up for one particular holiday activity.
Unapproved destinations (against WHO or FCO advice)
Some insurers only cover certain destinations, and usually they don’t cover locations that the Foreign and Commission Office or the Whole Health Organization have advised against travel.
Alcohol intoxication or drug use
If you lost valuables, damaged a personal item, or had an accident while under the influence of drugs or alcohol, your travel insurance claim will likely be voided. Although you travel to enjoy your life, you must be responsible and keep everything in moderation.
Fraudulent, dishonest and unlawful conduct, such as visiting prohibited locations and unauthorized use of facilities, is not covered by any insurance. Always follow all rules and regulations to avoid any problems during your trip.
Please note that unattended items are not covered unless they are in a locked hotel safe or secured trunk. If you are making a claim for a lost item, always request a police report about the incident or ask the hotel or tour operator to provide you with a written statement – this will help with your travel insurance claim.
Events that take place before the travel insurance is taken out
Events that happened before you took out insurance are apparently not covered. If you make a claim for it, it will be rejected and may even be considered fraudulent.
We want everything to go as planned as possible: before, during and after our trip. But there are really some cases where things would go wrong and stress-free and straightforward processing of a claim can alleviate the situation.