Buying travel insurance along with your long-awaited trip to paradise (or any trip for that matter) is a breeze, until you realize something went wrong and you actually have to make a claim. This is where the dream ends for travelers, where some insurance companies nitpick their way out of the issue and deny all possibly deniable claims. To avoid arguments with such companies, it’s best to (a) buy any-reason trip cancelation insurance, (b) buy primary medical insurance, and (c) make sure to buy these as early as possible, even before you start to pay for your trip.
Canceling for any reason
One of the most common risks covered by travel insurance is trip cancellation. However, take note that some agencies or companies might make a list of reasons they specifically cover. If your reason is not covered, then they can get away with denying the claim. While this kind of insurance usually covers reasons such as illnesses or accidents, other ones like sudden important business meetings or terrorist activity and uprisings even in just nearby areas of your destination won’t do the trick.
What you need to look out for is any-reason trip cancellation, which allows you to obtain refunds in case anything comes up and you have to cancel your trip even after you’ve paid for it. This is especially helpful if you have nonrefundable deposits, or if you suddenly have to cancel a pleasure cruise or an all-inclusive package tour at the last minute (when penalty fees are soaring way too high). Fortunately, most agencies or companies have started to issue the any-reason cancellation insurance, where you can recover at least half of your deposited payments depending on your terms and agreed conditions.
Mind your Health
A most common exclusion among travel insurance coverage is pre-existing medical conditions. A pre-existing medical condition basically means any injury or illness to which you acquired medical diagnosis, care or treatment within 3 to 6 months before your trip. A possible issue with your agency would be whether a condition is pre-existing or not. However, there are some agencies that may cover pre-existing conditions depending on what type of policy you choose and when you purchase it.
Another medical related issue you need to be aware of is paying hospital bills. Secondary medical insurance is often on the menu among providers, which basically means you’ll have to shoulder the expenses now and then get your reimbursement afterwards. However, this is a terrible mistake-you would want to avoid this situation at all costs. Your agency might just run out on you and argue that you didn’t follow the guidelines necessary for you to be eligible for the reimbursement. It’s best to acquire a primary medical insurance so that you don’t need to cash out on any emergency hospital payments; your insurance provider will do it for you.
Most travel agencies offer great deals and promos. Make sure to compare the policies of two or more travel insurance agencies. Most agencies or companies also have requirements or deadlines for you to be able to avail of the best services. Consult with them and discuss the matter thoroughly. Remember to buy as early as possible, so that you are still entitled to the best benefits in full. There’s nothing that can ruin a spectacular getaway than an emergency situation that’s not covered by your agency.