Most tourists opt to purchase travel insurance coverage to be “safe and secure” when things do not go according to plan or something unexpected happens. Before purchasing travel insurance, it is important for customers to understand first what the insurance does not cover and do. There is no guarantee that you will be covered when something goes wrong. incorrect interpretation of an insurance policy may cause you disappointed when your travel insurance claim is rejected in the shortest time you need it.
What if time travel insurance will reject your claim you need most? The following are the most common reasons why your application may be rejected:
A. Pre-existing conditions declared
When buying travel insurance, state if you have a medical condition that already exists. Some insurance companies will cover the medical condition for an extra cost while others may not. If you fail to disclose that information, your efforts to make a travel insurance claim can be rejected when you consult your medical records. Check and follow all the rules that have been set by the supplier. Remember the particular insurance for injuries and unpredictable disease course.
B. Incomplete forms and documents
Another reason your travel insurance application can be rejected is that of a form that is incomplete, lacking critical information or not properly filled. Make sure your form is filled in correctly and completely. All the necessary attachments included before sending your request such as a doctor’s certificate, police report (for the theft or loss of the article), a purchase receipt for valuables or even postpone carrier Travel confirmation.
C. Participating in adventure or dangerous activities
travel insurance policies have different coverage in terms of sports and adventure activities they cover. They usually do not cover the extreme sports that are considered dangerous, but an additional bonus may be available for activities such as paragliding, jumping, hiking at altitude, etc. Be sure to check the activities that include your provider before you sign up for a particular holiday activities.
D. Purpose (not approved against the advice of the WHO or FCO)
Some insurance companies will cover for a specific purpose and, most often, they do not cover the places that the Organization and the Foreign Office or the Whole Health has advised against travel.
E. Intoxication of alcohol or drugs
If you have valuable items lost, damaged personal items or accident under the influence of drugs or alcohol, your travel insurance application might be considered invalid. While traveling to enjoy your life, be responsible and just keep everything in moderation.
F. Illegal behavior / reckless
fraudulent behavior, dishonest and illegal like going into restricted areas and the unauthorized use of facilities that are not insured. Always follow all the rules and regulations to avoid problems during your trip.
G. Luggage unattended
Please note that the unattended luggage will not be discussed unless they are in a safe place in a hotel or in a secure car securely locked. When you apply for a lost object, always obtain a police report on the incident or ask the hotel operator or travel to provide a written statement – this will help you in your travel insurance claim.
H. The events that occurred prior to purchase travel insurance
The events that have occurred before buying insurance, it seems, will not be discussed. If you claim to it, it will be rejected and could even be considered fraud.
Whenever possible, we want everything goes as planned before, during and after our trip. But actually there are some cases that there is something wrong and stress free and simple processing of a claim can facilitate the situation.