Things That Might Not Covered by Your Travel Insurance

Holiday season is coming, and some of you might already have planned how and where to spend this relaxing moment with your family. So prepare your holiday well, choose a trusted and reliable travel agent to arrange your trip, decide wisely where to go and what to do on your destination, prepare your travel documents and things to bring on your trip, and of course, in order to avoid your holiday turned into a disaster, you will need a travel insurance as a protection.

Travel insurance is one of the most important instruments on your holiday, so you better choose your insurance carrier wisely when you decide to buy one. Shop around for the best rate and coverage, and also it is a good idea to look for guidance and tips on how to get the best travel insurance for your journey.

But don’t feel 100% secure just because you already have travel insurance, since there is no insurance that can cover every risk. So do with travel insurance, there are things that most travel insurance will not cover. Knowing these things is important so you can make a preparation in case some of them happen before or during your trip. It’s also useful to help you choose an insurance provider that can give you the most coverage for your travel.

I have compiled from many sources, things that most travel insurance won’t cover as you can see below:

Travel cancellation

Tour operator

Although it is totally beyond your control, but travel insurance will not pay for any expenses you have already made if the travel is canceled by your tour operator. You could ask the tour operator to return your money, but your travel insurance will not pay for any loss you experience regarding this situation neither helping you to get cash back from the tour operator or making a law suit against them.

A tour operator can cancel your trip for some reasons including their internal company problems. That’s why you should carefully choose for a tour operator to avoid this, make sure it’s a good and reliable company.

War or Riot

Usually there are certain types of mess up situation stated in a policy with explanation whether it’s coverable or not. Usually they are; strike, riot, civil commotion, terrorism, and also war, that happens in your travel destination. If the cancellation is made regarding one of those reasons, many travel insurance policies won’t cover.

Death or Illness of a Pet

Animal lovers might cancel their trip because their beloved pet is dead or ill, but don’t expect the insurance company will have a compassion on this situation, this is also the risk that cannot be insured.

Psychological Problem

You cannot cancel your trip for having psychological illness or mental problem without penalty, because for most insurance companies, this is an exclusion of coverage.

Divorce before the Trip

One in a million, but it still could happen. After you bought a tour package and travel insurance, suddenly a problem occurs in your family, then your spouse files for divorce and ruins the whole plan, and you have to cancel the trip. This is also not considered as an uncoverable risk.

Pandemics

If you find out that on your destination there is a pandemic like swine flu or anything like it, you might worry for the sake of your family’s health and decide to cancel the trip. But pandemic is also not a valid reason for trip cancellation, so this won’t be covered.

Visa Refusal

This case sometimes happen, and sadly it always happen after you buy a ticket or book a tour package or at the arrival. Mostly you can only expect cash back from the airline for the ticket, but travel insurance usually won’t cover for this cancellation.

Natural Disaster

Most of travel insurance policies say they will give coverage for trip cancellation if your destination is completely shut down by a natural disaster. But please pay attention to the fine print and read it carefully, usually it says that if the resort or the airport remains open, you will not get your claim paid by the insurance.

Health, Medical Treatment, or Personal Injury

Pre-existing Conditions

This is a common exclusion in many insurance policies, so medical treatment related to that condition during your trip will have to come out of your own pocket.

Extreme Sport

If you wish to do some extreme sports on your destination, the risks won’t be covered by your regular travel insurance. For this, you have to obtain another insurance which is extreme sport insurance or something like that.

Pregnancy and Childbirth

Usually, it is specified under which conditions the pregnancy complications or childbirth is covered. You too have to read the fine print real carefully on this one.

Working Activities

For an insurance company, holiday is holiday, meanings you shouldn’t work or do anything related to it. If you are injured while doing something that is considered a working activity, then the insurance won’t cover it. What is considered to be a working activity is not always that you do something for money, as long as it’s a situation involving manual labor, using power tools or driving heavy duty machinery, it could be considered as a working activity.

Drunk

If you are injure in doing an activity after you have some drinks there’s a big chance that your insurance won’t pay for this. So you better pay attention on this one.

Sexual Behavior

If you suffer a disease or have a worry of your future health condition related to a sexual transmitted infection or unwanted pregnancy for the result of your sexual behavior on your holiday, there’s a big chance that you have to take care of the medical costs for treatments or tests by yourself. Most travel insurance doesn’t cover this health condition.

Medical Repatriation

Many people feel safe when they know that the insurance will give coverage for medical evacuation if they suffer a bad medical condition in some remote area. Evacuation meant to transfer the patient to the nearest area that has a better medical service. But if you need to be transferred back home to get the proper treatment it is called repatriation, and not so many travel insurance will cover this. So you have to read the fine print carefully and find out what it says about it.

Others

Baggage Delayed For Less Than 24 Hours

It’s a good idea to carry the things you need for a day in case there’s a baggage delay. If the delay is less than 24 hours, the insurance won’t cover it. The insurance will only cover for baggage delay for more than 24 hours and it’s valid for outbound flights only, so no baggage delay cover for your flight back home.

Loss or damage to keys, money, documents, tickets, or credit cards

Usually these items are not considered to be as baggage or personal item, so you should keep these items real safe during your journey.

Flight Problems Regarding to Security Threats and Terrorism

Sometimes these issues can cause an airport closing, flight delay or event flight cancellation, and travel insurance won’t cover you for buying another ticket, rerouting tickets, or paying for accommodation for these causes.

I really hope this article could help you to arrange your save and pleasant journey. The most important thing is always pay attention to every detail in a policy and read the fine print carefully, since one single word could determine whether the claims you made can be paid or not, have a nice holiday.

Why International Business Travellers Need Specialized Travel Insurance Cover

In this work driven world, people are goal-oriented and often financially driven; and sometimes people take for granted the importance of physical safety. Insurance makes security tangible. The insurance industry has delved its hands into various aspects of life, securing animals to kids to education to cars. You name it, insurance can secure it. Insurance has become so important in our everyday life that it’s now considered an imperative need.

The largest group of insurance companies are engaged in the travel insurance business. These insurance companies typically offer specialised policies to business travellers. The policies cover risks associated with international or domestic travel which include accidents, deaths, trip cancellations, lost tickets, damage to properties like car rentals and other concerns related to travelling. Procuring this type of insurance is important because it provides security not only to the traveller but also the employer.

Business travellers, especially those travelling internationally, are people on the go. Their employers are potential policy holders. Business travellers are exposed to more risks. The risk covered by the corporate travel insurance is unique to the business the traveller represents. For example, a business traveller working as a car dealer meets an accident while on a Cessna plane can be compensated by a travel insurance covering the risks of medical expenses while working on the job. In getting a corporate travel insurance policy, it is important to tailor the policy in order to cover all the risks that the business traveller is exposed to in relation to the work he’s involved in. Equity dictates that tailored fit policies are necessary for the safety and security of both the employer and the business travellers because of the basic reason that their travels are considered work; it is but a natural obligation for the employers to compensate and insure them.

Corporate travel insurance differs from the usual holidaymaker insurance because it cover more risks and could be specialised in accordance to the type of business the business traveller represents. For example, if the business traveller is working for mining company, the travel insurance policy can include accidents met while visiting a mining site. Because of this specialisation feature, the premium paid for these corporate travel insurance is higher than the usual travel insurance.

A tailored corporate insurance policy is being offered by various insurance companies. One of the most comprehensive policies is the group business travel insurance. For this type of insurance, it is important that the insured or the policy holder is the employer and the beneficiaries are the employees or group members. As to the requirements, each insurance policy provides for different requirements; basically if the employer can pay the premium and the insurance company is willing to cover the risk then a tailored group business insurance policy can be issued.

People work to earn a living. Often than not their work is the cause of their injuries. It is important for employers as well to prevent lawsuits filed by employees they send for travel. The best and equitable solution is to procure corporate travel insurance.

When Is the Best Time to Buy Travel Insurance?

Without a doubt getting travel insurance is one of the most crucial aspects of your vacation plan. It is your back-up plan when everything goes wrong. Comprehensive insurance is the most complete policy since it covers everything from hospital bills to ambulance transfers and even the costs for missed flights and lost luggage.

Common Travel Insurance Dilemma

Here’s a common question a lot of people ask when it comes to buying travel insurance: when should they buy it? Some believe that your insurance policy begins on the day you buy it (even if it is before your day of travel) or that it only begins on your day of travel. Because of this confusion a lot of people wonder whether they should buy insurance before their departure date or on the day itself. So what’s the real deal and when is the best time to buy travel insurance?

To answer this issue you have to look at two different aspects: what your insurance policy covers and when it takes effect. The best insurance is comprehensive travel insurance because it covers every aspect of your travel, as discussed above. It will cover both medical issues and monetary issues (lost luggage, cancelled flights, and missed flights). When you get these types of insurance policies they usually take effect on the day of travel.

This means it is always best to buy insurance before your travel date and on the same day you book your flights. It is always best to book your flight and then immediately buy policy. You will want to do this so that you are covered in case you missed your first flight or if you get hurt during your travel. However, while this solves the immediate question, you still might be asking: how about the circumstances wherein something happens to you the day before your travel?

Coverage Prior to Your Travel Date

So what if you bought your tickets and insurance two weeks before your flight and now you got into an accident? How are you going to cover this incident and who’s paying for the expenses? The thing is, it won’t be your travel insurance. Instead, it will be your regular medical health insurance, life insurance, and other personal insurance policies that you already have.

Your travel insurance coverage begins and ends during your time of travel which goes from the day of your departure to the day of your arrival back home. Any other incident that occurs outside of that time frame will have to be covered by other insurance policies that you may have.

So going back, the right time to buy travel insurance is on the same day you book your flights because this is more convenient and also because it protects you in case of missed flights or lost luggage. But your travel insurance does not cover you before or after your travel period, which also underscores the need to have other insurance coverage to ensure you and your loved ones are protected any time, any day.