It’s that time of year again when the sun is smiling on us, school is out and the wide, wide world of travel is just a flight away.
So you do some research on vacation options. You book a flight. You reserve a hotel room. And last but certainly not least, call an insurance agent for a suitable travel policy.
“Ah,” you think to yourself. “I’m covered from all angles.”
Not so fast, sir or madam!
While others like you may see the insurance they’ve bought as a ticket to peace of mind, it’s not always the case.
Not every damage scenario you can imagine is covered.
This article addresses problems that can arise as a result of not planning ahead or not being properly informed about insurance issues.
Some cases where travel insurance does not cover losses
1. If you think you’re being smart buying travel insurance when you hear the radio talk about a storm ahead, think again. A travel policy does not cover the cancellation of your trip following published storm information.
2. If you imagine travel insurance to compensate for ordinary problems, stop dreaming. Your insurance does not reimburse you for common inconveniences or lack of fun.
3. Don’t plan coverage for losses you can’t prove. You must be able to show proof of purchase so that your loss can be substantiated.
4. Keep in mind that your insurance policy probably won’t cover incidents that occurred while you were under the influence of alcohol or drugs.
5. Involve your doctor before you travel or you may not get medical coverage under your travel insurance policy. If you can’t prove you were in good health before you got on the plan, you could run into coverage problems if you need medical care while on vacation.
6. Don’t assume that every activity you participate in is covered by your itinerary. If you are injured while doing something the insurance company deems dangerous, you may not see compensation. Check your policy to find out which activities your insurance company covers and which are considered dangerous.
As with any form of indemnification, travel insurance has limits and deductibles, as well as exclusions. You owe it to yourself and your holiday to do proper research prior to the game. Talking to an experienced independent agent can help you decide which policy is best for you and how to avoid being rejected for a related claim.
Travel insurance does not always mean coverage
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