Travel insurance is crucial whether you are travelling for work or leisure, but there are some cases when your insurance policy will not cover you. Although what is included and excluded from your cover ultimately depends on your specific emirates travel insurance, some circumstances can prevent you from making a claim.
If your expenses stem from a pre-existing condition
Pre-existing medical conditions are some of the common reasons for the denial of travel insurance claims. Insurance companies define a pre-existing condition as an illness, injury, disorder, or medical condition that prompted the insured person to seek treatment or take medication 60 to 180 days before buying a travel insurance policy. To find out whether your travel policy covers pre-existing conditions, read through the Description of Coverage to determine what is and is not covered by your insurance provider.
Participating in high-risk sports and activities
If you have an adventurous spirit and plan on participating in sports like parasailing, bungee jumping, white water rafting, etc., then you may not be allowed to claim in case of injuries, equipment loss, or personal financial losses. To protect yourself, ensure that your travel insurance policy covers all the activities you’ll be engaging in.
Travelling against government advice
The government releases travel alerts every so often, warning its citizens against travelling to areas with civil unrest, inclement weather, security matters, and disease. Therefore, if you decide to travel to a specific country despite a warning from the government, your travel insurance provider will not cover you at that destination. Pay attention to government warnings via their travel advisory website to ensure that you are not travelling to high-risk destinations.
Participating in self-harm incidents
Driving under the influence of drugs and alcohol will render your travel insurance null and void. If you must indulge in alcohol consumption, ensure that you get a designated driver to avoid harming yourself and others.
Cancelling your trip before departure
While most travel insurance policies cover travel delay and travel interruption, they do not cover trip cancellation. Your insurance provider may fail to approve your claim if you change your mind about travelling.
To find the best travel insurance policy for you, visit our website and get travel insurance today.