Five Reasons Why Travel Insurance Claims Are Usually Declined

Jerry on Travel Insurance… A recently carried out survey has shown that most common travel insurance claims are usually for medical reasons. This is closely followed by cancellation of holidays, loss of luggage, delay in travel and finally missed departure. Whenever any of the following events occur, most distressed holiday makers usually feel safe as they know that they have taken travel insurance which they can now claim.


It is always unfortunate to some of these claimants, as some of their claims are never honored. Below are some of the five reasons why some travel insurance claims are usually rejected.

Claimant not disclosing a pre existing medical condition
For any travel insurance claim that is based on medical reasons to be honored, the insurer must be fully aware of any pre existing medical condition you might have. Any medical assistance for an injury or an illness that you had not disclosed to your insurer will not be honored and you will cover the costs yourself. It is usually advisable to always make sure that you disclose any pre-existing condition when you apply for insurance and you will always be covered in case of any eventuality.

Buying inadequate insuarance cover
Many holiday makers just look at the price of the policy they seek to purchase and not what is usually included in the policy. In such a situation, most of them usually realize too late that the insurance policy they have bought does not cover other claims such as travel cancellation or loss of luggage.

Inadequate evidence for the claim to be honored
In the event a claimant wants to make a claim for goods that they have lost or stolen, they need to produce a police report or the insurance will not be obliged to pay you out. This situation is usually tricky especially when you are on holiday abroad and your luggage or goods are lost or stolen as you will need to provide sufficient prove that you owned the items in the first place.

Incident occurs when you are intoxicated
Your insurance claim will never be honored if you have an accident during your holiday while you are under the influence of drugs or alcohol. One is usually expected to be compos mentis and be seen to be capable of looking after one self. This is a very important point that you should remember especially if you are planning a boozy break in the sun!

Getting involved in a fight
Insurers are usually unwilling to pay any claim you make if the incident resulting to the claim happened while you were involved in a fight. It is usually considered that most people end up in a fight when they are under the influence of drugs and alcohol. However, the insurer might honor your claim if you prove beyond reasonable doubt that you were never under the influence of drugs or alcohol and that the main reason why you were involved in the fight was purely because of self defense.

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