Why Your Travel Insurance Claims Can Be Denied


Traveling is a beautiful experience that you can do in your life. Most travelers choose to purchase travel insurance coverage to be “safe and secure” when something goes wrong or something unexpected happens. Before purchasing travel insurance, it is critical that customers first understand what the insurance does and does not cover. There is no guarantee that you will inevitably be covered when something goes wrong. A misinterpretation of an insurance policy can make you disappoint when the travel insurance claim is denied when you need it most.

What happens if the travel insurance claim is rejected in good time? The following are the most common reasons why your complaint can be rejected:

Preexisting conditions not declared

When buying travel insurance, indicate if you have a pre-existing medical condition. Some insurers will cover medical conditions for an additional fee, while others may not. If this information is not disclosed, the attempt to file a travel insurance claim will be denied when medical records are consulted. Check and respect all the rules established by the supplier. Remember that this particular insurance coverage is intended only for unforeseen injury and illness.

Incomplete forms and documentation

Another reason why the travel insurance claim can be denied is simply that of an incomplete form, in which important information is missing or incorrectly filled out. Always make sure that the form is completed correctly and completely. All necessary attachments are included before submitting your complaints such as a medical certificate, police report (for theft or loss of items), purchase receipts for your valuables or even confirmation of the delay of travel by the courier.

Participate in adventurous or dangerous activities

Travel insurance policies have different coverage in terms of the sports and adventure activities they cover. Usually, they do not cover extreme sports deemed dangerous but an additional reward may be available for activities such as paragliding, jumping, trekking at high altitude, etc. Make sure to check the activities covered by your provider before signing up for a particular vacation activity.

Unapproved destinations (against WHO or FCO advice)

Some insurers will only cover for specific destinations and usually do not cover locations that the Foreign Office and the Commission or the Whole Health Organization have advised against traveling.

Alcohol intoxication or drug use

In the event of loss of valuables, damage to a personal property or accident during the influence of drugs or alcohol, the travel insurance claim is likely to be invalid. Even if you are traveling to enjoy life, be responsible and keep everything in moderation.

Illegal / reckless behavior

The insurance does not cover fraudulent, dishonest and illegal conduct, such as going to reserved places and unauthorized use of facilities. Always comply with all rules and regulations to avoid problems during the trip.

Unattended baggage

Keep in mind that unattended items will not be covered unless they are in a locked hotel safe or secure trunk. When requesting a lost item, always receive a police report about the accident or ask the hotel or travel operator to provide you with a written declaration – this will help you with your travel insurance claim.

Events that happen before buying travel insurance

Events that have already happened before you purchased insurance, apparently, will not be covered. If you request it, it will be rejected and may even be considered fraudulent.

As far as possible, we want everything to go as planned: before, during and after our trip. But there are indeed some cases where something would go wrong and a simple and stress-free processing of a complaint can alleviate the situation.