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Understanding Exclusions under Travel Insurance

By Finserv MARKETS - Jul 25,2019
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Understanding Travel Insurance Exclusions

The need to travel abroad can arise out of a number of reasons, be it for business, pleasure or educational purposes. However, a major preparation that one needs to make is to buy a travel insurance before starting the journey. A travel insurance offers coverage in case of any unfortunate events while traveling abroad. A competent policy has inclusions for emergency medical expenses while abroad, loss of passport or personal baggage, flight cancellation or delay charges, hijack distress allowance, etc. While all these inclusions can ensure a smooth traveling experience, you also need to be aware of certain provisions that are not included in travel insurance plans.

Below listed are some common exclusions in travel insurance plans-

  1. Unapproved Medical Claim

At the time of applying for an online travel insurance, you need to declare all your medical conditions and get a travel policy claim approved for covering them. However, while traveling abroad, if you face any medical condition that was not pre-approved in your insurance policy, you might not get reimbursement for its treatment.

  1. Sporting Accidents and Injuries

Any injuries or expenses arising out of engaging in adventure and sporting activities while traveling abroad are not included in a typical travel insurance plan. However, if you are planning to travel abroad with specific reasons to take part in any adrenaline-filled sporting activities, make sure you negotiate with your insurance provider for making an inclusion for the same.

  1. Engaging In Reckless Behavior While Abroad

Engaging in reckless behavior such as excessive drinking, getting into arguments or fights, or taking any kind of recreational drugs while traveling abroad is not only frowned upon but can lead to instant rejection or termination of your travel insurance claim. Make sure that you maintain proper decorum while traveling to any foreign country.

  1. Pregnancy

No travel policy provides coverage for childbirth, miscarriage, abortion or termination of pregnancy while in transit or staying abroad.

  1. Trip Cancellation

Any invalid reason for the cancellation of a foreign trip is not reimbursed within a travel insurance plan. Similarly, if the policyholder fails to get the visa or passport on time, he/she cannot claim for flight tickets or hotel booking reimbursement with the insurance company.

  1. Insurance policies

do not cover bail or any legal charges in case the policyholder is arrested for breaking any law in a foreign country. Also, any criminal intent for visiting a foreign country leads to immediate termination of your travel insurance policy.

  1. Traveling against government advice

If a policyholder is found traveling to a region against government orders or without getting proper permits, the travel insurance policy will be considered void immediately. The same applies if the documentation or passport is found to be forged for traveling abroad.

While these are some basic travel policy exclusions, several more repudiations can be added to your insurance coverage as per the policies of your insurance provider. Thus, before you buy travel insurance, make sure you go through the inclusions and exclusions of your policy in details to avoid any confusions later. For rewarding self, family or student travel policy, visit Finserv MARKETS today. Bajaj Allianz Travel Insurance plans available on Finserv MARKETS enjoy a badge of approval from 100+ million customers in India. Visit now to know more about travel insurance benefits such as hassle-free settlements, on-call support while staying abroad, as well as high medical coverages up to 1 million dollars.

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Bajaj Finserv Direct Limited ("BFDL"), erstwhile Bajaj Financial Holdings Limited is a registered corporate agent of Bajaj Allianz Life Insurance Company Limited and Bajaj Allianz General Insurance Company Limited under the IRDAI composite registration number CA0551 valid till 10-Apr-2021. BFDL also renders services to Bajaj Finance Limited (‘BFL’) and Bajaj Housing Finance Limited (‘BHFL’) (referred hereinafter as ‘Lending Partner’) in sourcing of customers, providing preliminary credit support activities, fulfilment services and post-acquisition customer services related to lending business. Registered Office: Bajaj Auto Limited Complex, Mumbai – Pune Road, Akurdi, Pune – 411 035 CIN: U65923PN2014PLC150522