More and more people choose to get travel insurance plans for domestic and international travel. Plans for travel insurance shield the insured against unforeseen events or last-minute adjustments that may occur while on the trip.
However, even with a travel insurance policy, your claims could still be denied in various circumstances. For instance, failing to disclose pre-existing illnesses or problems may result in the rejection of a claim. Therefore, in experts’ opinion, policyholders should make the appropriate disclosures with the documentation when choosing an insurance policy. Withholding crucial information could get the policyholder in trouble, particularly when travelling with elderly parents or going against medical advice.
Listed below are some things to bear in mind to prevent claim rejections:
Omitting Medical Information
Pre-existing conditions should never be kept a secret by policyholders, especially if the policyholder is travelling against a doctor’s medical advice or with elderly parents. Many try to avoid disclosing current medical issues or partially do so when purchasing a policy. Most people should know this could be why a claim is rejected.
Travel insurance claims can be denied if you meet with an accident or get sick while on vacation because of an underlying medical condition. The claim may still be rejected even if the policyholder’s medical condition is unrelated to a pre-existing sickness. Therefore, disclose any health conditions while applying for a travel insurance policy.
Lack Of Insurance Coverage For Risky Sports
Travel insurance policies do not include additional coverage for accidents or injuries resulting from dangerous sports. Any losses sustained due to engaging in adventure sports are also excluded. Insurers generally do not cover extreme sports like mountaineering, bungee jumping, hang gliding, scuba diving, trekking, parasailing, and skydiving. Although the list of activities covered varies from company to company, the likelihood of getting hurt while participating in such sports is considerable. Hence the possibility of a travel claim being rejected is also high.
Be Aware Of Claim Exclusions
All insurance policies have exclusions, and policyholders unaware of this subsequently experience claim denial surprises. To prevent any unpleasant surprises, it is advised to carefully review and comprehend the list of exclusions in travel insurance coverage. For instance, events before the policy’s inception are not covered. This could happen after insurance is purchased, as the policy’s activation date could vary from when you buy the travel insurance coverage. When purchasing insurance, ask your insurer for this information.
To avoid rejection of your travel insurance claim, read policy terms, provide accurate information, document incidents promptly, and maintain necessary documentation and evidence. Taking these proactive steps can significantly increase the likelihood of having your claim approved and ensuring you receive the coverage you need while travelling.
A travel insurance premium calculator is a convenient tool you can utilise online to check the coverage needed based on your requirements.
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