Finally, you’re taking a much-needed vacation! You excitedly book the trip and pack your bags with the hope of everything going as planned. After all, we take a vacation to get away from everyday stress, right?
Unfortunately, unexpected things do happen at times. Some of you may have those stories to tell. Sometimes luggage is lost, trips are delayed and we may get sick, injured or worse.
Enter, travel insurance. Travel insurance is meant to give you some peace of mind and protect you against unforeseen events. While it covers many things, it doesn’t cover everything. You’ve heard the old saying “read the fine print” right? We agree! It’s essential to read (and make sure you understand) all the terms and conditions of the policy when you buy your plan. So pay attention to the exclusions included in the policy when considering what travel insurance is best for your situation so your expectations are realistic.
As an overview, consider these 5 areas travel insurance typically does not cover:
1. Disappointing Weather
There’s a huge difference between disappointing weather and weather that cancels or delays flights and makes a destination uninhabitable. While the rainy weather in Cancun may not be ideal for your beach days, it’s not a valid insurance claim. Neither are named-storms if you haven’t yet purchased an insurance plan. If a tropical storm or hurricane has already been named (or after an official government agency has issued a warning), your plan won’t provide coverage related to that particular weather event. Be sure you understand the terms of your plan and purchase as soon as you make your initial trip deposit.
2. Certain Medical Issues
While travel insurance covers many things, certain medical issues will be an exception. This includes conditions like psychological disorders, trips taken outside the advice of your doctor, intentional self-inflicted injuries and traveling for the purpose of receiving medical treatment.
Think about what medical conditions you already have that may impact your trip and discuss them with your agent. Medical conditions existing within a 60 day period immediately preceding coverage are not covered (the set period is defined by your specific policy).
To help with certain pre-existing condition concerns, we have a pre-existing condition exclusion waiver. Certain pre-existing medical conditions are waived when the plan is purchased within 21 days of initial trip deposit with our Travel Select plan or 15 days with Travel Basic, full trip cost is insured and the traveler is medically able to travel at the time of plan purchase.
3. Invalid Cancellation Reasons
While there are certainly valid reasons to cancel a trip and receive coverage (such as sickness, injury or death, inclement weather, employment termination, and others), it is important to know that you can’t just cancel a trip for any reason at all. Review your policy to make sure you understand what cancellation reasons are covered.
If you would like to cancel a trip for a reason not covered by your base policy, you can opt to supplement your travel insurance plan with the Cancel For Any Reason upgrade. This allows you to cancel a trip, truly for any reason, up to 48 hours prior to your scheduled departure date.
4. Irresponsible or High-Risk Behavior
Some things are just common sense, while others need clarification. Leaving your belongings unattended does not constitute automatic coverage for theft. In the same line of thought, don’t assume travel insurance is going to cover you when you engage in certain risky personal behaviors. Take personal responsibility when considering what kind of behaviors you engage in – and their possible consequences- before you act.
A few examples that won’t be covered include:
- Consequences of being under the influence of alcohol or narcotics, especially above legal limits
- Committing any unlawful acts
- Participating in a civil disorder or riot
- Ignoring or breaking driving rules, or driving under the influence
5. Claims Submitted with a Lack of Documentation
When submitting a travel insurance claim, it’s critical that you have the proper documentation to receive reimbursement. As a rule of thumb, keep all documentation for your trip that you receive before and during travel. This includes receipts, itemized bills, unused tickets, doctor’s notes, police reports, proof of airline delays, etc.
Here are a few examples of documentation you will need for various claim types:
- If you cancel a trip due to a medical reason, you will need proper documentation from your doctor. This could range from a doctor’s note to a full diagnosis.
- If you have a medical emergency that causes you to seek medical attention while on your trip, be sure to keep all paperwork from the medical provider. You should also contact your travel insurance provider to make sure you have all the documentation you will need.
- If you have a travel delay keep all receipts for additional costs such as meals, accommodations and transportation.
Remember, what we’ve highlighted here is just an overview. It’s important for you to ask clarifying questions and discuss any concerns with your travel insurance agent well before your trip. Take advantage of your 15-day free look period to make sure you understand the terms of your travel insurance policy.
Travelex is here to help navigate the often confusing waters of travel insurance. Let us assist you with the best protection plan for your next trip so you can dream, explore and travel on in confidence.
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The full coverage terms and details, including limitations and exclusions, are contained in the insurance policy. If you have questions about coverage available under our plans, please review the policy or contact us at 1-800-228-9792 or firstname.lastname@example.org. Berkshire Hathaway Global Insurance Services, LLC. CA Agency License # 0K09397.