Travel – it is a good experience that you can have in a lifetime. Most travelers prefer to buy insurance travel insurance in order to be "safe and secure", if something goes wrong, or there is something unexpected. Before you buy travel insurance for customers is very important to first understand that the insurance does not cover. This does not guarantee that you will inevitably covered if something goes wrong. Incorrect interpretation of an insurance policy can lead you to frustration if your insurance claim is to give time, when you need it most.
What to do if your claim on the insurance of the road will be rejected in the time that you most need it? Below are the most common reasons why your appeal can be rejected
Buying travel insurance quote, if you have a previous medical condition. Some insurers will cover medical conditions for an additional fee, while others may. If you do not expose this information, your attempt to make a claim on the road may be denied insurance in consultation with the medical documents. Check and follow all of the rules set by the supplier. Remember that this coverage is only for unexpected injuries and illnesses.
Incomplete forms and documentation
Another reason why you can deny the claim on travel insurance – it's just an incomplete form that is missing important information or incorrectly filled. Always make sure that your form is filled out correctly and completely. All required attachments are included before you submit your claim, such as physicians & # 39; certificate, police report (for the theft or loss of the apparatus), the purchase of your property or even travel delay confirmation from the carrier.
Participate in adventurous or dangerous activities
Political travel insurance have different coverage in terms of sports and adventures that they cover. they usually do not engage in extreme sports, which are considered dangerous, but an additional bonus may be available for activities such as skydiving, jumping, hiking at an altitude etc. certain holiday activities.
Neatsverzhanyya direction (against the advice of the WHO or FSA)
Some insurers cover only certain areas and, as a rule, they do not cover the places that the Ministry of Foreign Affairs and the Commission or the Health Organization advised not to travel.
Alcohol Up & # 39; yanenne or drug use
If you have lost valuables, damaged item or personal accident happened while under the influence of drugs or alcohol, your insurance claims are likely to be invalidated. While you're traveling, to enjoy life, be responsible and just keep everything in moderation.
Illegal / thoughtless behavior
Fraudulent, dishonest or illegal behavior, such as travel to the forbidden place and the unauthorized use of & # 39 facilities not covered by any insurance. Always follow all the rules and regulations to avoid problems while traveling.
Please note that items will not be covered without supervision if they are closed in a hotel or in a secure car trunk. If you are applying for a lost item, always get a police report regarding the incident or ask a hotel or tour operator to give you a written statement – it will help with the demand for travel insurance.
Events that occur before buying travel insurance
The events that took place before you bought the insurance, apparently, will not be covered. If you require this, it will be rejected and may even be regarded as a falsification.
As much as possible, we want all went according to plan: before, during and after our trip. But there are some cases when something goes wrong, and stress-free and easy processing of the claim may alleviate the situation.