Why Your Travel Insurance Claims Can Be Denied

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Traveling is a good experience one can have in his lifetime. Most travelers opt to buy a travel insurance coverage to be "safe and secured" when something does not go according to plan or something unexpected happens. Before buying a travel insurance, it is very crucial for customers to understand first what the insurance does and does not cover. It is not guaranteed that you'll be inevitably covered when anything goes wrong. Misinterpretation of an insurance policy can lead you disappointed when your travel insurance claim is denied in time that you most need it.

What if your travel insurance claim gets rejected in time that you most need it? The following are the most common reasons why your claim can get rejected:

Undeclared pre-existing conditions

When buying a travel insurance, state if you have a pre-existing medical condition. Some insurers will cover medical conditions for an additional cost while others may not. If you fail to disclose this info, then your attempt to make a travel insurance claim will be possibly denied when your medical records are consulted. Check and comply with all the rules set by the provider. Remember this particular insurance coverage is intended for unexpected injury and illness only.

Incomplete forms and documentation

Another reason why your travel insurance claim can be denied is simply that of an incomplete form, missing important information or are filled out incorrectly. Always make sure that your form is filled out properly and completely. All the necessary attachments are included before you send off your claims such as doctors' certificate, police report (for theft or loss of item), purchase receipts for your valuables or even the travel delay confirmation from the carrier.

Participating in adventurous or dangerous activities

Travel insurance policies have different coverage in terms of sporting activities and adventure they cover. Usually, they don't cover extreme sports which are deemed dangerous but an additional premium may be available for activities such as parasailing, jumping, trekking at heights, etc. Make sure to check the activities your provider covers before you sign up to a certain holiday activity.

Unapproved destinations (against WHO or FCO advice)

Some insurers will only cover for specified destinations and, usually, they don't cover locations which the Foreign and Commission Office or the Whole Health Organization have advised against travel.

Alcohol intoxication or Drug Use

If you lost valuables, damaged a personal item or have an accident while under the influence of drugs or alcohol, your travel insurance claim is likely to be considered invalid. Though you are traveling to enjoy your life, be responsible and just keep everything in moderation.

Illegal / reckless behavior

Fraudulent, dishonest and illegal behavior such as going to restricted locations and unauthorized use of facilities are not covered by any insurance. Always abide by all the rules and regulations to avoid any problem during your trip.

Unattended baggage

Take note that unattended items will not be covered unless they're in a locked hotel safe or in a secure car boot. …

Travel Insurance – Got You Covered

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Planning to be traveling soon? Should you buy travel insurance? It’s a tough call whether spending the extra money is worth it. Are you over 50? Travel insurance goes up significantly as you get older. If you’re spending a lot of money on a trip, travel insurance is a must.

Travel Insurance Coverage

Travel insurance covers these basics:

  • Trip Cancellation Or Interruption
  • Medical
  • Emergency Evacuation
  • Baggage
  • Flight Delays and Cancellations

Travel Insurance – What Does It Mean For You?

Trip Cancellation refers to canceling prior to your trip whereas trip interruption refers to a problem during your trip. What if you or one of your travel companions gets hurt or sick and you need to cancel your plans. This is where travel insurance comes to the rescue.

What if you have a medical emergency? Think you’re covered by your medical insurance? You might be. But most medical insurance policies don’t cover you outside of the United States. Medicare never covers you when traveling abroad. Find out if you’re covered when traveling to your next destination.

What happens if you do sick and need to be airlifted? Or you need medical care on your flight home. This can be very expensive.

Have you arrived at your destination just to find that you have no luggage? What if you’re ready to board a cruise? Now what? Travel insurance will pay for essential items until your luggage is found and delivered to you. What if it never shows up? Make sure to have a list of items that you packed for your trip. Better yet, keep as many receipts of these items as you can. If your luggage was stolen, make sure to file a police report. This will help in making an insurance claim.

Did you get to the airport just to find out your flight has been delayed? What if the delay causes you to miss your connecting flight? Travel Insurance will reimburse you for hotel stays and meals while waiting to get out on the next flight. But what if your flight leaves on time and you get held up in traffic and miss your flight? You probably won’t be covered.

Travel Insurance – Do I really need it?

Check with your homeowner’s policy. It may already cover such things as lost luggage. Be sure to check the maximum amount of coverage as it may be limited in the payout. Check your medical insurance and find out what is covered when you’re traveling away from home. Verify if you’re covered when traveling abroad. Finally, check your credit card coverage. Some credit cards will provide a limited amount of insurance if the trip was booked with their credit card. If you have an airline’s credit card, check with their coverage. They may have better coverage if you’re traveling with them. But credit cards may not cover you being airlifted back home. Both health insurance and credit cards don’t usually cover travel emergencies.

Once you decide you need travel insurance, read the …

Travel Insurance – What It Might Cover

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When going on vacation there are so many things to remember and consider but one thing that almost no one considers is travel insurance. No matter how good you are at planning a vacation there are unexpected things that can happen, and that is where travel insurance comes into play. It can compensate you for unforeseen emergencies. Depending on the length of stay and type of trip, there are several type s of travel insurance to choose from.

• Trip Cancellation / Interruption coverage-these policies cover vacation cancellations due to sudden illness or death, weather, emergency military duty, jury duty, prior to departure of cruise line or bankruptcy of airline. Many also include terrorism insurance that will reimburse your expenses in the event that the US Department of State issues a travel warning. This warning will advise people not to travel within a certain country for a certain length of time.
• Medical emergencies-this is useful if you plan to travel to underdeveloped countries. It will also cover individuals who have a chronic illness that may require medical attention at some time during their trip. The policy will reimburse you for the cost of medications, doctor visits, and it may sometimes cover medical evacuation out of the country. Make sure you check with your insurance company regarding the details because travel health coverage polices vary.
• Non-refundable tickets-you may also be able to obtain travel insurance that will cover this in the event your trip has to be cancelled for many different reasons. There are some plans that will even cover missed connections. This can be a lifesaver if there is a flight delay, confusing or over crowded airport terminal.
• Comprehensive insurance package-this is a package for frequent travelers or longer trips. This package provides a variety of coverage and is the best value. Some of these packages will let you choose what type of coverage you want to include.
• Cruise ships-this can cover when a cruise is delayed and the traveler has to change their hotel reservations or the trip is cut short and you have to arrange a trip home at the last minute.

Other expenses or situations may also be covered, which can include:

• Having to be airlifted to a medical facility
• Cost of medical procedures if your health insurance is not recognized in the jurisdiction
• Hotel booking issues
• Paying for a hotel if your flight is delayed
• Replacing essential items when luggage is delayed or loss
• Errors in flight arrangements if the traveler was not at fault
• Emergency legal assistance
• Transportation if you need to return home due to emergency or death of close relatives

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A Guide to Buying and Using Travel Insurance

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Is Travel Insurance Really Necessary?

Travel is already expensive enough, isn’t it? The cost of air fare, cruises, hotels, ground transportation, food and activities and entertainment are already high enough. I don’t know about you, but I work hard for my money, and when I travel, I want to keep as much of my money in MY pocket as possible. Is travel insurance a necessity or a luxury? Why not cut a few corners here and there. Why buy something if it’s not really needed?

My personal answer is, of course, that I am not independently wealthy and can’t withstand the potential financial losses I would incur if I require medical care while I’m traveling. Not being independently wealthy also means that I’m in the market for adequate but cheap travel insurance. I suspect that you are in the same position, so you, too need cheap travel insurance. If you’re still not sure about that, consider the following.

Did you know that if you get sick or are injured while traveling abroad, your medical plan may not cover all the expenses you will incur? If the costs of treatment are higher than the maximums of your medical plan, you will be responsible for the difference, unless you have already purchased travel insurance. In fact, you may not even be admitted into hospitals in some countries without proof that you have health or medical insurance.

This is true for everyone, regardless of age or length of time abroad. Suppose you fall ill just a few hours after arriving at your destination. Or suppose you make a day-trip to another country, and you are injured in a traffic accident. Or suppose one of your children is part of a group making a class visit abroad, gets food poisoning and requires hospitalization. In all cases, without adequate travel health insurance, you will be responsible for the costs above and beyond the limitations of your existing medical plan.

Therefore, before going abroad, you need to make sure that you are adequately covered by travel medical insurance that won’t break your budget. You should check to see if appropriate coverage is already available to you through your medical plan, employee benefits, or even through a credit card. If the coverage is sufficient for your needs, then you can enjoy your trip without incurring the extra expense of travel insurance. However, if you are not sure of your coverage, or if your coverage is inadequate or non-existent, then your next step should be to research and purchase the travel insurance coverage you need.

How Much Can You Expect To Pay?

When I bought my first plane ticket to China a few years ago it cost around $2000 round-trip, and my travel insurance cost me over $500 because I didn’t shop around for cheap travel insurance online.

A few years later, a little bit older and wiser, and my travel insurance for another trip to China cost me much less–about $300 for roughly the same coverage. The …

Travel Insurance for Vacation Rentals

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A family booked a rental cottage last summer, arrived safely and just loved the cottage. However, on the second day of their two week stay, the mom got a call to say her father was seriously ill and not expected to live. The family packed up and returned home, and sadly, her dad died a few days later. After the funeral, the renter called the cottage owner and asked what sort of refund she could expect as they had only used 2 days of their 14 day booking. The owner refused to pay any refund with the explanation that she relied on the cottage rental income to pay the costs of her cottage and it was always fully booked through the season. She was not able to find a replacement rental party at the last minute and as the rental agreement stated; if that was the case no money would be returned. Of course the rental group did not have travel insurance, which would probably have covered trip curtailment due to the illness and / or death of a close relative. The rental cost the family over $ 4000 and they were not able to recover a penny of that money.

Many people believe that trip insurance is only necessary if there is a flight involved; where delay, lost baggage, and the risk of the airline going bust, is covered; and medical cover is required in a foreign country. It's not considered important, or not considered at all, to buy insurance to cover a trip taken by road to a self catering property in the same province or the same country.

Think again! Most cottage bookings are made several months in advance and many things could happen after you have booked to change your circumstances. Illnesses of any member of the traveling party, redundancy or a call to jury service are just a few of the situations that would be covered by a travel insurance policy. A few insurance companies also offer a 'change of mind' clause, allowing you to cancel for any reason after a booking has been made and paid in full. This normally pays out an amount sufficient to cover any cancellation fee the rental agency or owner may apply.

When you book your vacation rental property, check the property owners or agencies cancellation policies carefully. If it is not clear, ask the question. In general, most private owners and rental agencies will attempt to rebook a property if it is cancelled, and refund your money for the period they have rebooked, less a cancellation fee.

The premium paid for trip insurance becomes less significant, the more you are paying, however it is worthwhile at any price, for your peace of mind.

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What To Look For When Choosing Your Hotel Insurance Policy

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Owning and running a hotel or any other type of accommodation is a challenge, especially during the current tough economic climate, but there is no excuse for not making sure that your business, staff and guests are covered by the correct level of insurance.

Hotel insurance is not just for hotels, because you can also find the correct type of insurance often bracketed into this insurance category for the following types of accommodation:

• Hotel

• Guest House

• Bed And Breakfast (B&B)

• Motel

• Hostel

• Guest Accommodation

Although there are many types of insurance policies when it comes to hotels and accommodation, some of the things that you really should look for in your cover include:

Buildings and Contents – As with any type of building that you own, you need to make sure that you insure both the building and the contents for the correct value, because should the worse happen, you need to make sure that your level of insurance is enough to cover the money you need to get the hotel back to its original position.

Liability Insurances – Public, employers and product liability are all types of insurances that could be vital when it comes to your hotel, guest house, B&B or other type of accommodation. Liability insurance can help protect you if a guest should fall and injure themselves, with employers liability helping to protect your staff should they be hurt or injured whilst working in or for your hotel.

Business Interruption – This type of insurance cover is sometimes overlooked but can really act as a business and life saver should your business be closed down for a short to medium term period. For example, if your hotel was flooded in June (it does happen) and you had to close down for three months to refurbish, having this type of insurance cover would offer you some income to keep your business going.

Legal Expenses / Protection – Running a hotel means that you will probably be employing staff and you will definitely be hosting guests and this type of insurance provides cover for any legal expenses which are incurred following any disputes with customers and also staff. For example, if a member of staff decided that they were going to try and sue you for a particular reason, this type of insurance cover can help to pay the bills if the case goes to court etc

Above all, you should always check that your insurance policy offers the correct level and type of coverage for your business.

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