Making Use of Your Travel Insurance
September 30th, 2008
Posted in Advantages, Guide
If you’re planning to purchase travel insurance, don’t forget to read the fine print, or find out all you can about the coverage. Like all contracts, being careless might end up costing you more. Some policies commonly exclude pre-existing medical conditions, injuries or flight interruptions due to war or terrorism, pregnancy related expenses or injury or illness caused by alcohol or drug use. Also, some companies will only accept policies purchased during the purchase of the trip.
You should also determine what exactly is covered, and up to how much. For example, if your insurance covers emergency replacement of essential items, find out what constitutes essential items. Believe it or not, this definition varies depending on the individual’s viewpoint. I know of a customer who was trying to claim purchases she made during a trip to Milan, to replace her “essential items”. Funnily enough, all the replacements were of designer clothing and labels, so naturally the insurer refused to honor her request.
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If you’re planning to purchase travel insurance, don’t forget to read the fine print, or find out all you can about the coverage. Like all contracts, being careless might end up costing you more. Some policies commonly exclude pre-existing medical conditions, injuries or flight interruptions due to war or terrorism, pregnancy related expenses or injury or illness caused by alcohol or drug use. Also, some companies will only accept policies purchased during the purchase of the trip.
You should also determine what exactly is covered, and up to how much. For example, if your insurance covers emergency replacement of essential items, find out what constitutes essential items. Believe it or not, this definition varies depending on the individual’s viewpoint. I know of a customer who was trying to claim purchases she made during a trip to Milan, to replace her “essential items”. Funnily enough, all the replacements were of designer clothing and labels, so naturally the insurer refused to honor her request.
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