Before you set off on your amazing trip, make sure you know what your travel insurance policy won’t cover.
1. Starting the policy: You should preferably start paying your travel insurance premiums as soon as you book your trip because if you cancel your trip and your travel insurance starts on the first day of your trip, the insurance company won’t cover lost expenses.
2. Health declarations: If you don’t declare a pre-existing medical condition before your trip and you require medical assistance, the insurance company may turn down your claim. Some policies will provide cover for pre-existing medical conditions however, they won’t continue paying your routine treatment. If you have travelled against medical advice and make a medical claim, you will not be covered.
3. Reporting theft or loss: You need a police report if you are going to claim for lost or stolen items. Some insurance companies insist on a report within 24 hours of the incident.
4. Extreme sports: Check with your insurance company and your policy to see what sports-related injuries they are willing to compensate. Keep in mind that your concept of extreme sports may differ to that of the insurance company so verify before you book.
5. Risky zones: Your insurance company may not cover certain countries or regions for certain reasons including terrorism and war risks. Check the list of no-go zones before you book to ensure you have adequate cover.
©Diane Moalem for Compare Guru