We all expect a comprehensive travel insurance policy when we purchase it but, in reality, there are a number of things that aren’t covered under a standard travel insurance policy. Although most of us will never find ourselves in the following situations, it is important to point out the situations in which a travel insurance policy may be null and void:
- Swine Flu and other Pandemics - Did you know that your travel insurance policy will not likely cover a pandemic breakout? For example, the swine flu breakout in Mexico last year left many travelers out of luck when it came to canceling their trip due to the dangers of traveling there during the breakout. So, don’t expect a return of your trip expenses if you find yourself unable to travel to your destination (or if you must leave early) due to a pandemic outbreak.
- Visa Denial - If you have already booked your vacation and paid for your plane ticket you will likely not be covered if you must cancel your trip because your visa was denied. Some airline companies will provide a refund in these situations, but generally most insurance companies will not provide you with a refund if your visa application was denied. In short, make sure your visa is in good order before booking a trip.
- Terroristic Threats or Attacks- Most travel insurance companies will not provide a refund if you cancel your trip due to a terroristic threat or attack. Unfortunately, the issue of terroristic threats and events are something we all must face in today’s world.
- Weather Inconveniences - If you have a fantastic ski trip planned, but the weather doesn’t cooperate and there is no snow to be had, don’t expect a return on your investment through your travel insurance policy. Unfortunately, inclement weather inconveniences are simply part of the risk you take when booking a vacation. Whether it’s stormy weather on your Caribbean cruise or a rainy ski holiday, your travel insurance will do you no good when it comes to poor weather conditions.
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