Global Courant
The purpose of travel insurance is to ensure that you receive something from the unfortunate events or calamities that occurred before or during your trip. If something went wrong during your holiday and you want to apply for travel insurance, it is ideal to have a smooth and clear process. You want to avoid the unnecessary hassle and possibility of having your claims rejected.
It would be good if we could easily receive insurance claims, but that is not always the case. Not all claims are reimbursed, even though insurance companies pay out hundreds of millions of dollars each year to pay insurance claims. In the UK alone, insurance companies pay out £345 million each year for their customers’ claim payments. But why are travel claims rejected? Here are the most common reasons everyone should know.
Insufficient supporting documents
Let’s start with the most common reason insurance claims are rejected: you have incomplete supporting documents. When making a claim, you must present or provide substantial evidence in support of the events that upset you during your trip. This evidence may include delay information from the carrier, police reports for accidents or illegal acts, medical certificates or proof of purchase.
Unmanaged articles
Unattended items are things you have lost or left behind at your destination, including cell phones, laptops, cameras, bags, watches, and wallets. Unless the items are securely locked in the car or safe, you cannot make insurance claims for the things you lost accidentally or carelessly. Insurers have policies in this area, so make sure you’re aware of them. And to avoid being rejected, always look after your belongings when you’re on vacation.
Events prior to purchase of travel insurance
Events that take place before you take out your travel insurance are of course not covered. Attempting to make claims for such situations will not only result in rejection, but is also considered a fraudulent act, and you may be held liable for it. The ideal time to purchase travel insurance is as soon as you have booked your trip. It will be useful for future situations.
Not recommended To travel
If you go against the travel advice of the World Health Organization (WHO), your insurer will not reimburse your claims. If you travel to a place that the WHO has advised against going, it becomes your decision and you are liable for it. For a safe journey, always check the latest travel advice from the WHO.
Illegal, dangerous and reckless activities
If you do something illegal, such as fraud, theft, dishonest behavior, drug use, among others, your insurance company will not pay your claims. A claim will also be rejected if you have an accident or miss a flight due to excessive alcohol consumption. It is your responsibility to drink in moderation, so you cannot expect to be covered by your travel insurance for your irresponsibility.
As for the dangerous activities, the conditions depend on insurance policies. Some companies do not cover extreme sports and activities. However, if you pay an extra premium, there may be coverage for parasailing, bungee jumping, hiking, and rock climbing, to name a few. It is best to read the terms and conditions of the travel insurance you have chosen.
Unreported health problems
One of the reasons people buy travel insurance is for health security. Knowing that the medical services are expensive, it is useful to have insurance on hand, especially when you are traveling. However, you should never forget to declare your pre-existing medical conditions with supporting medical documents when purchasing travel insurance. It ensures that the medical expenses incurred during your trip are covered and that you do not have to waste large amounts of money.
If you do not declare your health condition, you cannot use your travel insurance. It is also advisable not to travel if advised by your doctor.
Why are travel insurance claims rejected?
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