Why Travel Insurance Companies won’t cover you when under the influence of drugs and alcohol
Some travelers debate on whether travel insurance is necessary when taking a trip, but there are so many benefits to having the right insurance plan, and it could save a lot of trouble if things take a turn for the worse. A trip may go as planned, but in the case that bags are lost, a sickness or injury occurs, or other mishaps take place, covering the costs of these circumstances can prove to be a large and unwanted nightmare. It is important to compare various travel insurance companies and plans and understand the terms, coverage, and exclusions, such as those regarding situations in relation to alcohol and drugs.
When on vacation, alcohol (and even drugs) may seem like part of the fun for some travelers, but it is important to understand that travel insurance companies will not cover injuries or other problems that occur when the insured individual is under the influence. This is a general exclusion for insurance companies because claims in relation to these substances occur frequently, and decisions made or accidents that occur when intoxicated or on drugs pose a risk to the insurer. If the insurance company determines that an incident may have occurred as a result of or in relation to the consumption of such substances, the incident will not be covered. Proof of intoxication can come about in a few ways, whether it be the hospital reports or if the individual admits to partaking.
Comparing various trip insurance companies and their policies is very important because how they handle and define situations and exclusions may differ. Though travel insurance companies generally have exclusions that apply to drugs and alcohol, the coverage limits, definitions and exclusions can vary drastically from plan to plan. In addition, some comprehensive trip cancellation plans will offer less or more covered reasons than others.
Travel insurance is incredibly important to have when embarking on a trip. There are many travel insurance companies out there to take into consideration, and the research put into finding the right policy to provide adequate coverage can make all the difference if a mishap arises.