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It’s that time of year again where the sun smiles upon us, school is over and the wide, wide world of travel is just a flight away.
So do some research on your holiday options. You book a flight. You reserve a hotel room. And last but certainly not the least, you call up an insurance agent for a suitable travel policy.
“Ahh,” you think to yourself. “I’m covered from all angles.”
Not so fast, sir or madam!
While others like you may view the insurance you buy as your ticket to peace of mind, this is not always the case.
Not every loss scenario you can imagine occurring will be covered.
This article deals with issues that can arise as a result of not planning ahead or educating yourself properly about insurance issues.
Some Examples When Travel Insurance Doesn’t Cover Damage
1. If you think you’re smart by purchasing travel insurance when you hear the radio tell you of a future hurricane, think again. The travel policy will not cover cancellation of your trip after publicized notice of a storm.
2. If you imagine that travel insurance will provide compensation for common problems, stop dreaming. Your insurance will not compensate you for general inconveniences or loss of enjoyment.
3. Don’t plan to cover for damages you can’t prove. You will need to show the sales receipt to confirm your loss.
4. Be aware that your insurance policy will not provide coverage for incidents that occur while under the influence of alcohol or drugs.
5. Get your doctor involved before you leave on your trip or you may not get medical coverage under your travel insurance. If you can’t prove that you were in good health before starting the plan, you may have coverage problems if you need medical care while on vacation.
6. Don’t assume that every activity you participate in is covered within your travel plan. You may not see reimbursement if you are injured while engaging in something that the insurance company considers to be dangerous. Review your policy to make sure your insurance provider covers which activities are covered and which are considered dangerous.
As with any form of indemnity, travel insurance has limits and deductibles, as well as exclusions. You owe it to yourself and your vacation to do proper research before the game. Talking to an experienced independent agent will help you decide which policy is best for you and how to avoid a related claim denial.
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