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It’s that time of year again when the sun is shining, school is out and the wide world of travel is just a flight away.
So do some research on holiday opportunities. You book a flight. You reserve a hotel room. And last but not least, call an insurance agent to obtain an appropriate travel policy.
“Ah,” you think to yourself. “I’m covered on all sides.”
Not so fast, sir or ma’am!
While others like you may view the insurance they have purchased as a ticket to peace of mind, this is not always the case.
Not every damage scenario you can think of is covered.
This article addresses problems that can arise if you don’t plan ahead or do proper research on insurance issues.
Some cases where travel insurance does not cover losses
1. If you think you’re smart about getting travel insurance when you hear about a future storm on the radio, think again. A travel policy does not cover cancellation of your trip following published storm information.
2. If you think travel insurance offers compensation for common problems, stop dreaming. Your insurance will not compensate you for general inconvenience or lack of enjoyment.
3. Don’t plan to insure yourself for losses you can’t prove. You must provide a receipt of purchase to prove your loss.
4. Note that your insurance policy is unlikely to cover incidents that occurred while you were under the influence of alcohol or drugs.
5. Consult your doctor before travelling, otherwise you may not get health insurance under your travel insurance. If you can’t prove you were in good health before the plan started, you may have problems with coverage if you need medical care while on vacation.
6. Don’t assume that every activity you participate in is covered by your travel plan. If you injure yourself while engaging in something that the insurance company deems dangerous, you may not be reimbursed. Check your policy to determine which activities your insurance provider covers and which are considered dangerous.
As with any form of compensation, travel insurance has limits, deductibles and exclusions. You owe it to yourself and your vacation to do the proper research before you play. Speaking to an experienced independent agent will help you decide which policy is best for you and how to avoid having a related claim denied.
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