Yes, it’s true. There are even more travel insurance mistakes that you must know about before your embark on your next holiday!
- Purchase your travel insurance ahead of time to make sure that you travel-related claim is covered. In other words, don’t wait until the last minute to purchase travel insurance! Plan ahead and pay for your policy before embarking upon your vacation. Remember: you can’t expect to purchase a travel insurance policy after the event already happened! Trip cancellation policies usually go into effect the day after your payment is received by the insurance company, while all other coverage starts the day of your departure.
- Get a medical record before canceling your trip for medical-related purposes. In order to submit a travel insurance claim for medical reasons you must first visit a doctor and get a recommendation that you should not travel; otherwise, you may be unable to collect on your travel insurance policy. Always come prepared with medical records if you must cancel a trip due to illness or other medical reason.
- Pay close attention to dates when submitting a claim. If any of your dates are wrong (departure and return dates, for example) you may be denied a claim. Check and recheck your paperwork before submitting your travel insurance claim.
- If you fail to understand the pre-existing clause in your travel insurance claim you may not be able to submit a claim for travel reimbursement. A pre-existing condition is any condition you had before you purchased your travel insurance. Carefully read the pre-existing condition clause in your travel insurance policy and remember to look at the look-back days. Most travel insurance policies have a look-back period of about 60 to 90 days, so read this section of the policy carefully before entering into a contract for a travel insurance policy.
- Pay close attention to the language used in the travel insurance policy. For example, some policies may use the phrase “cancel for any reason” while others use the term “cancel at any time.” Although these phrases seem similar, they are, in fact, quite different in terms of your rights. “Cancel for any reason” allows you to cancel for any reason, such as an illness or loss of a job, while “Cancel at any time,” although it allows you to cancel at any time, will likely have a clear set of restrictions regarding the reason for canceling your trip.
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