For travelling to different parts of the country to explore cultures and scenic beauty, you need to buy a domestic travel insurance plan to secure your trip. Purchasing this plan is not an unnecessary or redundant cost as it saves you from financial hassles arising from unforeseen circumstances. Exclusion refers to specific events that the insurance plan will not offer coverage for. A standard insurance policy generally includes certain exclusions, such as actions related to perilous adventures or accidents caused under the influence of alcohol or drugs, etc.
While domestic travel insurance policies help travellers alleviate financial risk and stress they do not cover all aspects like accident that occurs under the influence of alcohol. Travel insurance plans work on the principle of transparency. The insurers offer coverage for claims or incidents mentioned in the claim documents. It is important to mention items of your specific concern and check with the insurer. The claim for the non-listed items is denied Domestic travel insurance exclusions are generally ignored by most policyholders or travellers, as they are typically mentioned in the fine print. It is significant to read through the insurance coverage plan carefully and purchase extra coverage if there are any gaps.
Common exclusions under domestic travel insurance plan
These include:
If you do not get relevant inoculations or vaccinations for example, if you are not duly vaccinated for Covid as per regulations
Errors and omissions in your travel bookings, for example, misspelt name
Incidents that occur due to the involvement of alcohol or drug substance
Riding a motorcycle that does not have a license or without wearing a helmet
Loss of luggage and personal effects left unattended, for example, items such as jewellery or expensive glasses
If travelling to places listed as ‘Do not travel’ on the federal government’s website
Pre-existing medical conditions are not covered in the plan. Basically, it depends on when you are diagnosed and the time you have purchased a domestic travel insurance plan.
If you have not informed the company of some pre-existing medical condition. Your travel insurer does not offer coverage for expenses required to treat such, conditions for example, you are diabetic and certain health problems arise due to sugar imbalance in the body, then the insurer will not cover losses unless you have covered them with add-on for this specific condition.
Insurers do not offer coverage for incidents arising due to mental or emotional disorders such as depression, schizophrenia, etc. Expenses incurred for treatment of these types of illnesses are excluded from domestic travel insurance plan
A domestic travel insurance plan does not offer coverage for the child-birth or pregnancy. Complications related to such health conditions will be included only if you have chosen for such coverage in your plan
Dental treatments or routine dental care do not get coverage in the domestic travel insurance plan. It covers only emergency dental expenses occurring due to an accident
Travel insurance policy does not cover inconveniences arising due to bad weather conditions for example, if you have paid for adventure activities in advance and you are unable to pursue them due to bad weather conditions, the insurer is not liable to pay for such losses or a beach vacation gets cancelled due to heavy rainfall.
Read the domestic travel insurance plan carefully to understand exclusions
A domestic travel insurance plan offers adequate financial support by covering different types of risks associated with travel. Exclusion refers to items that are not covered in the plan. Exclusions are applicable and are based on the type of travel insurance plan. It is significant to read the policy document and ensure that the travel domestic insurance plan meets your specific needs before you purchase.
Also, you should gather relevant information as to why the insuring company does not include them in the domestic travel insurance plan. All exclusion details are made clear in the policy wording. It is important to view them before purchase to avoid claim rejections and manage your trip efficiently without stress.
To avoid discrepancies and make a valid domestic travel insurance claim, it is crucial to comprehend travel exclusions precisely. With a suitable domestic travel insurance plan you do not have to worry about dealing with messy situations or unnecessary claim rejections and thus can enjoy a hassle-free trip. You can customize your domestic travel insurance plan according to your specific needs and thus make arrangements for exclusions.
