Travel Insurance - Reasons They Will Not Pay

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					When travelling abroad we have been told that we need to have travel insurance to cover
us if anything goes wrong whilst we are away, but just purchasing a policy does not mean
that you will be covered and get a payout from the insurance company for your claim as
you may have fallen foul of one of the common insurance pitfalls.

Here you will find some of the most likely reasons that the insurer may use to say no to
your claim. Most of the reasons are buried in the small print of the policy wording, it is
worth reading all of the policy wording before you purchase the policy instead of finding
that you are not covered as you have done something which you are not covered for,
forewarned is forearmed.

Activity exclusion

There is a long paragraph buried in the policy wording listing all of the activities that you
are not covered to do, as the insure classes them as to high a risk. Some of the activities
that are excluded from cover are obvious such as skydiving and are not likely to affect
most travellers. However some of the activities listed are not so, they are common
activities which the younger travellers enjoy doing whilst they are away such as bungee
jumping, white water rafting and some types of mountain trekking.

If you are planning to do a number or a specific activity whilst you are away it is a good
idea for you to check if the policy you are planning on buying will cover you for all of
the activities which you are planning to do.

Drinking whilst on holiday

When you go away on holiday you tend to relax and possibly you drink a bit more than
you would if you were at home. This could mean that if you have an accident after having
a drink you could be not covered as most policies have a standard exclusion for any
incident, which has a connection to alcohol.

Leaving items unattended

When you travel your insurance provider expects you to exercise reasonable care for the
safety of your property. So if you have not kept an eye on or have it locked in a secure
place like the hotel safe, it is unlikely the insurance company will cover the item if it is

One of the most common examples of this is, while you are on a skiing holiday and you
stop to have lunch in a restaurant and your skis are stolen whilst you are inside eating
your insurance provide may contest their replacement.

Non-disclosure of a pre-existing medical condition
This is a common problem especially with the older traveller as they do not think of
something they have is a medical condition. The insurer expects for you to inform them
of all of your medical conditions no matter how minor you believe it to be.

If you have to make a claim for medical treatment whilst you are away and it is found
that you have not declared a pre-existing medical condition, even it does not relate in any
way to the medical problem, which you are receiving treatment for. Your insurer could
you the non-disclosure of an existing medical problem as grounds to reject your claim.

Less than the excess

Most people understand that a policy will have an excess on it unless they have
purchased an excess waiver they tend to believe it is applied to the whole policy and they
only have to pay it once no matter what they are claiming for. The excess on the policy
varies from insurer to insurer but more often than not it is around the £50 mark, and it can
apply to multiple sections of the policies and multiple diagnosis.

For example, whilst you are away you receive treatment for gastroenteritis you will have
to pay the excess of £50, and then later you fall and break your arm you will also have to
pay the excess again as it different diagnosis, which you are receiving treatment for.

Not checking in

When the holiday maker finds out that they are unable to travel due to no fault of their
own due to reason beyond their control, such as strikes, severe weather at home or at their
destination, they may assume that their insurance will cover them straight out and they do
not need to go and check-in as they will not be able to travel, but most travel insurance
policies have made it a requirement that you have checked in before you are able to claim
under the travel delay section of the policy.

Lack of evidence

This is a major one that the insurers can turn your claim down for. They expect you to
have gathered all of the supporting evidence in relation to the claim and provide it to
them for assessment. So for example, if you have had something stolen whilst you were
travelling the insurer expects to get a copy of the policy report and any receipts for any of
the associated costs that you have incurred in relation to the theft.

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