Travel is a good experience to have in your life. Most travelers choose to buy travel insurance coverage to be "safe and secure" when something doesn't go as planned or something unexpected happens. Before buying a travel insurance, it is very important for customers to first understand what insurance does and does not cover. It is not guaranteed that you will be covered inevitably when something goes wrong. Misinterpretation of a policy can lead to frustration when your claim for travel insurance is rejected when you need it most.
What if your travel insurance claim is rejected early enough to need it more? The most common reasons why your application may be rejected:
Unreported pre-existing conditions
When purchasing travel insurance, state if you have a pre-existing medical condition. Some insurers will cover medical conditions at an additional cost, while others may not. If you fail to disclose this information, then your attempt to make a travel insurance claim will probably be rejected when consulting your medical records. Check and comply with all rules set by the provider. Remember that this special insurance cover is only for unforeseen injuries and illnesses.
Incomplete forms and documentation
Another reason your travel insurance claim may be rejected is simply your incomplete form, lack of important information or your completeness. Always make sure that your form is completed correctly and completely. All necessary attachments are included before sending your requirements such as doctors & # 39; certificate, police report (for theft or loss of items), proof of purchase for your valuables or even confirmation of travel delay by the carrier.
Participates in adventurous or dangerous activities
Travel insurance policies have different coverage in terms of the sports activities and adventure they cover. Usually, they do not cover extreme sports that are considered dangerous, but there may be additional premiums for activities such as paragliding, jumping, hiking, etc. Make sure you review the activities your provider covers before you sign a specific holiday activity.
Unauthorized destinations (WHO or FCO advice)
Some insurers only cover specific destinations and usually do not cover locations that the Ministry of Foreign Affairs and the Commission or the Health Agency have completed to advise against travel.
Alcohol intoxication or drug use
If you have lost your valuables, damaged a personal item, or have an accident while under the influence of drugs or alcohol, your travel insurance claim may be void. While traveling to enjoy your life, be responsible and keep everything in moderation.
Illegal / reckless behavior
Deceptive, dishonest and unlawful conduct, such as access to restricted areas and unauthorized use of the premises, are not covered by any insurance. Always comply with all rules and regulations to avoid any problems during your trip.
Note that unattended items are not covered unless they are in a locked hotel or in a safe car boot. When requesting a lost item, always get a police report on the incident or ask the hotel or travel agent to give you a written statement – this will help your claim for travel insurance.
Things that happen before you buy travel insurance
Things that have already happened before you buy an insurance will obviously not be covered. If you ask, then it will be rejected and could even be considered fraudulent.
As much as possible, we want everything to go as planned: before, during and after our trip. But there are actually some instances that something would go wrong and a stress-free and simple processing of a claim can ease the situation.