Common Causes Of Denial Of International Travel Insurance Claims

When it comes to making a claim on travel insurance from India, most of these factors can be eliminated with careful research and applying the steps. While submitting a claim, one should make sure of a few things, including:

  • Before purchasing, review the fine print, exclusions, and pre-existing disease clause
  • Examine the cancellation policy before the trip
  • Be careful while travelling
  • After the trip, make sure the proofs of loss are complete and timely submit a claim

The sections that follow have each discussed one of these ideas.

Before purchasing, review the fine print, exclusions, and pre-existing disease clauses

Check the fine print on your travel insurance from India, especially the exclusions and pre-existing disease clauses. For instance, double-check all the information and be aware of the exclusions. Make sure to check the exclusions if you participate in extreme sports. 

Similar to the previous example, your claim will undoubtedly be denied if you are under the influence of alcohol or drugs, have pre-existing medical conditions that are typically excluded from coverage, or both.

Other mistakes made when filling out the application form include gender, misspellings of names (such as the policyholder’s), and arrival and departure dates. Such errors will disqualify you from processing.

Examine the cancellation policy before the trip

Checking whether there is a provision for trip cancellation in international travel insurance is another thing to remember before travelling. You must double-check with the insurer if it hasn’t been listed.

Additionally, suppose this choice is not available for basic plans. In that case, consider purchasing an add-on cover to pay trip cancellation fees. However, there might be other exceptions that you need to be aware of in specific situations, such as terrorist attacks.

Be careful while travelling

You need to be aware that the insurer won’t pay out on your travel claim if anything unfortunate occurs to you while you’re under the influence of alcohol. You must therefore exercise extreme caution and abstain from abusing alcohol or drugs.

The insurer may also deny a claim if you lose valuables due to negligence, such as when you leave a bag unattended, and it is stolen. Keep your items in the hotel or bank’s lockers.

After the trip, make sure the proofs of loss are complete and timely submit a claim

Insurance companies may deny travel claims because the claimant hasn’t offered sufficient supporting documentation. A legitimate justification for denying an insurance claim is a lack of evidence.

Additionally, claims must be submitted within a specific window of time, failing which, the insurer is not obligated to pay the claim. As a general rule, you must submit a claim within two weeks to be eligible for reimbursement.

Other reasons

In some cases, false claims are submitted; this is fraud. These claims are denied, and the policyholders are put on a blacklist.

So follow these pointers when claiming online travel insurance to ensure smooth reimbursement. We hope you have a safe journey and a happy holiday.

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.