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The Finer Prints of Travel Insurance Policy Coverage

​Every time you download new software on your computer, there is an irritating window that pops-up. Have you ever read the license agreement that is flashed or do you click on ‘I agree’ without blinking an eye? Don’t fret. You are not alone. A majority of the people go ahead without reading the agreement.

Similarly, a majority of the people go ahead without reading through the intricacies of their travel insurance coverage. Therefore, let’s focus on a few details in your travel policy to ensure that it perfectly suits your requirement and your travel claim is never rejected.

  • Wrong travel insurance coverage: A travel insurance policy is not a wrist-watch to follow a one-size-fits-all approach. Ensure that the coverage that your travel policy offers matches your requirements. Beware that no insurance policy covers every scenario. For example, if you are planning to go on an adventure holiday, your general travel insurance policy won’t cover you in case of an accident.
  • Lack of sufficient documentation: A major chunk of policies are rejected because inadequate documentation from the claimant. Hence, insure you start maintaining as many documents as possible from the time of the incident.
  • Purchasing a policy late: You are not going to be entertained if you wish to purchase a travel policy to a place where a natural calamity /terrorist activity/civil war etc is predicted. Hence, purchase your insurance policy as early as possible.
  • The dreaded pre-existing disease: In the simplest terms, a pre-existing disease is a condition that happened to you before you brought insurance. Please be informed that most insurers don’t cover pre-existing diseases. After all, it is not fair to expect the insurance company to pay for a disease which you had before buying their protection.
Hope these tips help you in making the most of your travel insurance policy​. Ensure your travel insurance claim is never rejected in the future with these tips.