• Medical Jobs
+234 909 1403 251
HealthFlex
×
  • Home
  • Medical Courses
    • Bioinformatics
    • Social Work
    • Veterinary Medicine
    • Public Health
    • Pharmacy
    • Nursing
    • Medical Laboratory Science
    • General Medicine
    • Dentistry
    • Clinical Psychology
    • Chemistry
    • Biology
  • Medical Study
    • Medical Study Program in Canada for Nigerian Students
    • Medical Study Program in China for Nigerian Students
    • Medical Study Program in Germany for Nigerian Students
    • Medical Study Program in Lithuania for Nigerian Students
    • Medical Study Program in Philippines for Nigerian Students
    • Medical Study Program in Romania for Nigerian Students
    • Medical Study Program in Russia for Nigerian Students
    • Medical Study Program in Turkey for Nigerian Students
    • Medical Study Program in UK for Nigerian Students
    • Medical Study Program in Ukraine for Nigerian Students
    • Medical Study Program in USA for Nigerian Students
  • Blog/News
  • Latest Offers
  • Gallery
  • Contact

What a Travel Insurance Policy Typically Excludes from Coverage

What a Travel Insurance Policy Typically Excludes from Coverage
February 12, 2020AGNES JOSEPHUncategorized

As with any other type of insurance, travel insurance doesn’t cover everything. There is a chance a traveler might end up getting frustrated because they didn’t understand the policy exclusions, but there is a way to avoid this frustration.

In getting reliable trip protection, understanding what is covered and what is not is a crucial step, which is often undermined by the excitement of the trip planning process. Luckily, this important information can be found in the policy certificate that travelers can review during the free look period.

What Isn’t Covered by Travel Insurance

Change of Mind

What’s unfortunate is that most travelers think they can just cancel their trip for any reason whatsoever. An important thing to take note of is, standard insurance plans for travel don’t include cancellation coverage for a change of heart, no matter what the customer’s situation is. Standard trip cancellation plans will typically offer coverage for a broad set of covered reasons, as opposed to any reason at all. However, this does not mean insurance plans cannot be flexible.

Most insurance companies offer a plan with the option to “Cancel for Any Reason.” This upgrade gives customers the liberty to cancel a trip, with a maximum of 75 percent refund if one opts out within 48 hours (or more) from the date of departure.

Pricey Personal Possessions

Trip protection provides coverage in a variety of scenarios, but more often than not, this excludes more expensive personal belongings. Should one wish to take high-priced items or luxury clothing with them, it is important to note that the insurance policy may not make the policyholder whole if these items are stolen or lost.

Again, a better option is to upgrade. Some plans offer this option to provide coverage for items such as musical instruments, smartphones, computers, sporting equipment, and business equipment.

Incidents Under the Influence

This should come as self-explanatory, as travel insurance is designed to protect against unexpected and unforeseen incidents that can happen while in a foreign place. If the insurance company has proof that the injury was a result of being reckless while under the influence of alcohol or drugs, the policy will not cover it.

Pre-Existing Medical Conditions

This is a common exclusion in many insurance policies for travel. It refers to any medical condition that the insured had been diagnosed with and treated during a specified time (called the look-back period) prior to their policy’s effective date. It is typical for insurance companies to get a hold of their customers’ medical records to determine if this condition has existed before getting coverage. If yes, it will fall under pre-existing condition and the insured’s claim will be denied.

However, there are some instances in which an insurance company is able to supply a pre-existing condition exclusion waiver. This waiver can be used if the medical condition becomes acute while traveling, or exhibited symptoms which would cause one to seek diagnosis, care, or treatment. A pre-existing condition exclusion waiver is available on some plans if you purchase the policy within a set amount of days from your initial trip payment and insure 100% of your pre-paid and non-refundable trip costs.

To ensure what covers your trip protection clause, including pre-existing medical condition, do read your policy’s description of coverage closely prior to purchase.

Source: travelinsurance.com

Add Comment Cancel


Recent Posts

  • Best Locations for Kinesiology Jobs Abroad
  • A Guide to Studying Public Health Abroad
  • 7 Different Types of Insurance in the Netherlands
  • Benefits of Working as a Psychologist Abroad
  • A Guide on Studying Metallurgy Degrees

Recent Comments

  • AGNES JOSEPH on Pathways to Canada Permanent Residence
  • Anita Musa on Pathways to Canada Permanent Residence
  • Anita Musa on Canadian Open Work Permit Requirements
  • AGNES JOSEPH on Exploring Medical Careers Abroad
  • Anita Musa on Exploring Medical Careers Abroad

Archives

  • May 2022
  • April 2022
  • March 2022
  • February 2022
  • January 2022
  • December 2021
  • November 2021
  • October 2021
  • September 2021
  • August 2021
  • July 2021
  • June 2021
  • May 2021
  • April 2021
  • March 2021
  • February 2021
  • January 2021
  • December 2020
  • October 2020
  • September 2020
  • August 2020
  • July 2020
  • June 2020
  • May 2020
  • March 2020
  • February 2020
  • January 2020
  • December 2019
  • November 2019
  • October 2019
  • September 2019
  • August 2019
  • July 2019
  • September 2015

Categories

  • Latest Offers
  • Medical Abroad
  • Medical Conference
  • Medical Jobs
  • Medical Tourism
  • News
  • Study abroad
  • Uncategorized

Categories

  • Latest Offers
  • Medical Abroad
  • Medical Conference
  • Medical Jobs
  • Medical Tourism
  • News
  • Study abroad
  • Uncategorized

Archives

  • May 2022
  • April 2022
  • March 2022
  • February 2022
  • January 2022
  • December 2021
  • November 2021
  • October 2021
  • September 2021
  • August 2021
  • July 2021
  • June 2021
  • May 2021
  • April 2021
  • March 2021
  • February 2021
  • January 2021
  • December 2020
  • October 2020
  • September 2020
  • August 2020
  • July 2020
  • June 2020
  • May 2020
  • March 2020
  • February 2020
  • January 2020
  • December 2019
  • November 2019
  • October 2019
  • September 2019
  • August 2019
  • July 2019
  • September 2015

Text Widget

Fugiat dapibus, tellus ac cursus commodo, mauesris condime ntum nibh, ut fermentum mas justo sitters amet risus. Cras mattis cosi sectetut amet fermens etrsaters tum aecenas faucib sadips amets.

Calendar

February 2020
M T W T F S S
 12
3456789
10111213141516
17181920212223
242526272829  
« Jan   Mar »

Medical Travel is a Nigerian based specialized medical platform that assist Individuals with medical education and treatments.

+234 909 1403 251, +234 803 4383 061

info@medicaltravel.ng

Office: i172, Road 5, Ikota Shopping Complex, VGC, Lekki, Lagos, Nigeria.

Quick Links

  • Contact
  • Medical Study
  • Medical Jobs
  • Medical Tourism
  • FAQ

Latest News

  • 7 Different Types of Insurance in the Netherlands May 20

    There are many different types of insurance in the Netherlands....

  • Austria: How the Healthcare System is Structured May 17

    Healthcare in Austria is primarily public, with the option to...

  • Who Needs to See a Psychiatrist? May 16

    A psychiatrist is a medical doctor who specialises in mental...

Copyright ©2019 all rights reserved
Designed by Webplanet Consulting & Services