When insurance company declines to pay for you

The quality of travel insurance is one thing. However, there are instances where even the best insurance will not cover the damage. Do you ask why? Because you may have violated the rules that you might not even know about, but for insurance companies, these are a huge stop.

Alcohol

It does not matter whether you have a year-round, short-term, mountain, adrenaline sport insurance, once you have alcohol in your veins, you are out of insurance protection. You do not need to be frightened of one summer beer. That's fine. A problematic situation occurs if you get an accident while inebriated. Injuries, fractures, crashes, let anything happen to you, if you have a diagnosis "under the influence of alcohol" in your medical report, your claims for the insurance going to be useless . All treatment costs are going to be paid from your pocket.

Insufficient coverage

You may have booked a travel insurance but have forgotten that, for example, you want to have your luggage or the electronics in your luggage covered as well. Such segments are insured individually, and you need to set an insurance amount for them as a part of your travel insurance. This means that, for example, if you are transferring expensive electronics or cameras for 3,000 euros, but the insured amount is 1,000 euros, you can not expect things to be paid at full amount

Sufficient security

Did they steal your luggage at the airport or have you become a victim of a pocket? This does not fall under an insurance event. To get your claims paid for stolen luggage, it must be stolen from a locked room, car trunk, or other monitored area.

Risks

Travel insurance companies have a certain package of activities for which you are insured. These include, for example, classic water sports purchased in the resort, such as water skiing or scooter riding. But if you were doing professional water skiing, diving, or skiing, you need to add these risky sports specifically into your insurance package. Because if you are injured during these activities and you have not been complementary insured, your claims will not be paid.

Intentional damage

You can also forget about the insurance coverage of things that you will, for example, intentionally damage. In addition, in this case, you can easily commit insurance fraud. Because damaging things to get insurance benefits is classified as an insurance fraud and you can get behind the bars.

Chronical  issues

The insurance company does not pay you for any health complications that have arisen in connection with chronical diseases. This means that, for example, medicines for chronical diseases such as allergy and diabetes are excluded. The same goes for the examinations you could have done at home, but you decided to do them abroad. The insurance does not apply to existing illnesses known at the time of the insurance closure. All costs for illnesses which were treated last year in a hospital, are also excluded.

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