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Why your claims in travel insurance can be denied

Traveling is a good experience that you can have throughout your life. Most travelers prefer to purchase travel insurance to be “safe and secure” when something goes wrong or something unexpected happens. Before buying an insurance trip, it is very important for customers to first understand what insurance does, not covers. This does not guarantee that you will inevitably be covered if something goes wrong. A misinterpretation of the insurance policy can lead you to frustration if your insurance claim is waived in a timely manner when you need it most.

What if your travel insurance claim is rejected in the time you need most? The following are the reasons why your claim may be dismissed:

Undeclared preconditions

When buying travel insurance, indicate if you have a previous medical condition. Some insurers will cover medical conditions for an additional fee, while others may. If you do not disclose this information, then your attempt to file a claim for road insurance may be denied in consultation with medical records. Check and follow all rules set by the supplier. Remember that this insurance coverage is only for unexpected injuries and illnesses.

Incomplete forms and documentation

Another reason why a travel insurance claim can be denied is simply an incomplete form that lacks important information or is filled out incorrectly. Always make sure your form is filled out correctly and completely. All the necessary attachments are included before sending your claims, such as a doctor’s certificate, a police report (for theft or loss of an item), receipts for the purchase of your valuables or even confirmation of a delay in a trip to the carrier.

Participate in adventurous or dangerous activities

Travel insurance policies have different coverage in terms of the sports and adventures they cover. They usually do not cover extreme sports that are considered dangerous, but an additional bonus may be available for activities such as skydiving, jumping, high altitude hiking, etc. Make sure to check the actions covered by your provider before signing up for a specific one. festive activities.

Unapproved referrals (against WHO or FCA advice)

Some insurers cover only certain destinations and, as a rule, they do not cover places that the Ministry of Foreign Affairs and the Commission or the Health Organization do not recommend traveling.

Alcohol intoxication or drug use

If you have lost valuables, damaged a personal item or had an accident while under the influence of drugs or alcohol, your insurance claim will probably be considered invalid. While you travel to enjoy life, be responsible and just keep things in moderation.

Illegal / reckless behavior

Fraudulent, dishonest and illegal conduct, such as visiting forbidden places and unauthorized use of facilities, is not covered by any insurance. Always follow all the rules and regulations to avoid problems while traveling.

Baggage unattended

Please note that unattended items will not be covered unless they are in a closed hotel safe or in the safe trunk of the car. If you claim a lost item, always get a police report regarding the incident or ask the hotel or tour operator to give you a written statement – this will help with your insurance application.

Events that happen before buying travel insurance

Events that occurred before you purchased the insurance will apparently not be covered. If you demand this, it will be rejected and may even be considered a falsification.

As much as possible, we want everything to go according to plan: before, during and after our trip. But there are a few cases where something goes wrong, and without stress and simple handling of the claim can alleviate the situation.