Travelling is a wonderful experience that offers everlasting memories. But, it can be stressful if you are not alert and are travelling without buying a travel insurance plan. It is important to have a backup travel insurance policy, especially if you are travelling abroad. The travel insurance plan offers special protection in case some unprecedented circumstance arises.
Reasons that cause travel insurance claim rejection
Few of the reasons that cause a travel insurance claim rejected are –
If you do not inform your insurance provider about your existing health problem before you buy insurance, it will trim down the chances of claim approval. When you are not covered for any ailment and if you require treatment for that, you will have to face disappointment
Claims may get rejected due to several reasons but mostly according to the terms and conditions of the provider as well as the exclusions mentioned in the policy.
If sickness or an accident occurs under the influence of drug or alcohol consumption, then it is most likely that your insurance claim will be rejected.
Most travel insurance policies do not offer coverage for dangerous adventure activities that could be risky or life-threatening. If an injury occurs as you partake in an adventure sport, then it is likely that your travel insurance claim will not meet approval.
Take proper care while filing the details in the insurance form. Inaccurate or false details will lead to travel insurance claim rejection. For example, even a wrongly spelled name can hinder the process of claim approval even if you file a claim that falls under the terms included in the travel insurance plan.
It is important to update information regarding travel insurance policy. Many insurance providers revise their terms and conditions without giving any prior notice. Go through your updated policy to save yourself from the hassle of filing a claim that is bound to get rejected.
The majority of the times a policy holder does not disclose their medical conditions so that they can reduce premium costs. This can cause claim rejection on the foreign soil, which could cause a lot of hassle
If you do not stick on to the strict guidelines associated to COVID pandemic, for instance, if you reach any foreign country and there is a sudden lockdown owing to Pandemic, your travel insurance plan may not offer coverage
If the doctor you consult does not support your medical emergency then your claim can be rejected.
If you are unable to provide an adequate proof of expenses spent for a medical treatment that you paid, it will cut down your chances of claim approval
If you do not have the copies of receipts or unused tickets or sufficient documents related to the trip cancellation, your claim can be rejected.
If you do not offer a police report of your stolen baggage, passport or a car accident, you can face a rejection of your claim
If the airlines you are travelling in, does not provide a proof that your baggage was delayed or misplaced your claim can be rejected
If you do not scan or upload the documents such as the physicians statements or reports then your insurance provider can reject your claim
Claim rejection is stressful
Claim rejection is one of the most challenging and exasperating situation that any overseas traveller can be subjected to. Generally, rejection occurs due to a lack of accurate information. The policy holder should read the terms and conditions carefully in order to get into any kind of chaos later on. Even the insurance providers should inform the client about the complex details, so that they do not face any rejection hassles.
Claim rejection is an appalling eventuality that the insurance holder has to go through along with the trauma related to unforeseen circumstances like loss of baggage or important documents like passport during transit or some health issue. It would be most problematic, if you have to pay from your pocket in a foreign country.
As soon as the travel insurance company receives your claim form, it usually takes less than two weeks for them to assess it. However, if your insurer asks for more information for your claim then it may require some extra days.
To sum up we can say that it is very easy to submit a travel insurance claim online. But, ensure that you follow all the necessary steps to avoid rejection. Incomplete submissions or imperfect procedures can cause major turmoil during your trip and your claim will be rejected. Your cash flow will be majorly affected and it will cause stress. So, tension can be avoided by understanding the claim rejection process clearly.
