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Know Why Your Travel Insurance Claims Can be Rejected

Travel insurance provides coverage for medical emergencies, trip cancellations, lost baggage, personal accidents (Insured’s death/ Permanent Disability) and other relevant losses (e.g. lost Passport). However, it’s important to know that sometimes claims are not accepted and knowing the reasons why your claim settlement was denied can save you from future disappointment and financial loss. 

In this blog, we will know the most common reasons why travel insurance claims are rejected and provide tips to help you avoid these claim rejections.

7 reasons why travel insurance claims get denied

Wrong information: Providing incorrect or incomplete information while purchasing a travel insurance policy can lead to the rejection of your claim. It is important to provide accurate details such as travel dates, destination and personal information. 

Inadequate Coverage: It is important to read the policy terms and conditions carefully and make sure that the coverage provided matches your needs, otherwise you will face insurance claim-related issuesFor example, if you have moved your luggage before the planned date or by a different mode of transport than what was agreed upon in the policy, your claim may be rejected. 

Pre-existing medical conditions: If you are suffering from a pre-existing medical condition and did not declare it when purchasing travel insurance, your claim will be rejected. 

Not following the policy guidelines: Insurance companies do not provide coverage for adventure-related activities. Your claim settlement amount will be rejected if you fall sick by engaging risky activities. 

Cancelling your trip: If you have purchased a travel insurance policy and your trip gets cancelled for any reason such as illness, natural disaster, or any other unforeseen circumstance, you are eligible to file a claim for reimbursement. But if you decide to cancel your trip for personal reasons, such as a change of mind or conflicting schedule, your travel insurance claim will most likely be rejected.

Alcohol or Drug-Related Incidents: You will face insurance claim-related issues,

if the insurance provider finds you sick or injured under the influence of drugs or alcohol.

Incomplete Documentation: Missing bills or receipts can be a reason for the rejection of a travel insurance claim. Make sure to keep all the receipts and bills related to travel expenses, such as hotel stays, transportation and medical treatment. Without proper documentation, the insurer may reject the claim.

Conclusion  By following the above tips, you can be assured that your travel insurance claims are not rejected and you get the rightful coverage. Still, if you need any assistance, you can get in touch with our insurance experts.


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