Travel insurance, are you really covered?
The Daily Herald has produced an article offering advice relating to travel insurance, and how you may not actually be covered to the extent you think.
You may no be covered by your policy if your tour operator cancels the trip this is not trip cancellation in the event that you cannot go, this is the operator itself cancelling the holiday.
Acts of war and local protest may also not be covered. Whilst terrorism cover is becoming more commonplace, civil war or unrest are common exclusions to policies.
Medical conditions that existed and received treatment prior to travel may not be covered by your policy. If you require treatment for that condition whilst abroad, you may not be covered by your travel insurance policy.
If a household pet becomes ill and you need to cancel to stay home and take care of them, you are highly likely to net be covered for this eventuality. This is even the case for service animals such as guide dogs for the blind.
Loss or damage to such items as your keys, money, credit cards and documents will likely not be covered as they are considered exclusions to baggage and personal items. Ensure you keep valuables with you, or locked in safety deposits in hotels.
Travellers cheques are preferable to large sums of money.
Injuries from sports and activities such as mountain climbing, white water rafting or bungee jumping may also not be covered by some travel insurance policies.
Divorce/marriage break ups are also often not covered, although this is being revised by many policy providers. Should your partner file for divorce prior to the trip, you may not be covered should you need to cancel the trip.
Before taking out any travel insurance policy, ensure you have read the terms and conditions thoroughly and understand what you are and are not covered for.
Written by MrCrip on August 9th, 2007 with
no comments.
Do you agree with
MrCrip? Do you hate the diatribe on MrCrip? Who cares? Read more
Travel Insurance.
