Who Else Wants to Understand Travel Insurance Policy Language?

Aren't all travel insurance programs basically the same?

No. When you read travel insurance policy language, retrieve that as with any legal document, the definition of the terms is what governs the workings of the policy (including payment of the claim). I make hypothetical travel scenarios for preparation purposes. This includes contacting our travel insurance suppliers’ claims sections to see how they manage a given scenario.

A common concern of travelers are Pre-Existing Medical Conditions. In some cases, you can cancel, disrupt your trip or have medical treatment if you (or a non-traveling household member) have a pre-existing condition. It have to make with the policy’s wording.

All travel insurance excepts claims owed to pre-existing medical conditions. Some travel insurance programs will relinquish the pre-existing condition exclusion if you get your travel insurance in the first 10, 14 or 21 years after your first trip payment day of the month (ie - before the end of these 10, 14 or 21 days).

Any payment on your trip is considered the first payment. This includes the tax you pay when you deliver frequent circular tickets, refundable sedimentations or even a trip planning audience fee if that fee is later credited toward your trip costs.

You'll protect yourself if you have got to call off or disrupt your trip because of that pre-existing medical condition. There are three primary regulations to maintain in mind:

You have got to see your trip's full prepaid, non-refundable cost and
The individual with the medical status have to be medically stable when you get your insurance and
You must get your travel insurance in the first 10, 14 or 21 years after your first trip payment date.

You can call off or disrupt your trip or have got medical treatment even if you have a pre-existing condition - if you follow these rules.

This looks simple enough, doesn’t it?

Yes. Except there are companies that construe this diction slightly different from what you expect. Be on the lookout man for a clause in policies that states, “General exclusions include any expected or foreseeable events”.

What this agency to you is this: If you purchase a travel insurance policy that includes the words “General exclusions include any expected or foreseeable events”, here’s what you need to do:

Ask if purchasing the policy in the Release Time Period really makes relinquish this general exclusionand
Are there other statuses (ie - medically stable or covering the full trip cost) that have got to be satisfied

No SurprisesIf you are told, “No, that wouldn’t be covered because it’s not unforeseen”, One strongly suggest you maneuver clear of those companies - you don’t desire an unexpected surprise.

We make not offer policies from companies that drama this semantics game. Like you, I desire to be certain a travel insurance program will work just like I expected it to.