What would you do if in the course of the disaster and the best travel insurance did not cover it? Surely you will be angry, disappointed and may sue the insurance company. But eventually, you still will not be paid a dime. Why is that? Because there are things that are not covered by travel insurance. What are not covered?
Let’s look at the following section.
Purchase the Best Travel Insurance
Travel insurance is important. Travel insurance is useful to protect you from financial losses that can occur due to unwanted risks during the trip. The benefits of travel insurance are very diverse, ranging from the protection of goods, aircraft, to life protection by accident. But you should know, there are some things that are included in the exclusion of travel insurance.
5 Excluded Things in Best Travel Insurance
You must know the 5 excluded things in the best travel insurance once.
1. Accidents Due to the Influence of Alcohol and Drugs
Insurance companies that sell travel insurance, will generally exclude all accidents that occur during travel due to the influence of alcohol or drugs.
Although we all certainly do not want to have an accident. However, there is an unintentional element in every accident that occurs. If you are under the influence of alcohol or drugs, your claim is denied.
If you are taking drugs that can make you sleepy and you drive afterwards. In the event of an accident, the insurance company will not cover the medical expenses incurred. This is because it is included in the influence of drugs that make you drowsy. You should not drive when drowsy under the influence of drugs.
2. Accidental Accidents or Accidents
This kind of thing is rare because it can be included in insurance crimes. Such as deliberately leaving the goods at the airport in order to claim travel insurance.
If the matter is investigated by the insurer, then it is certain his claim will be rejected. Another thing is related to accidental accidents, such as desperate want to commit suicide on the way or accidentally harm yourself for any reason. It will not be covered by travel insurance.
3. Tragedy Due to Force Majeure
If your destination is unfortunate due to natural disaster, war or riot, it is possible that the insurer will not pay the claim if you are involved. Indeed this is often a debate. It is important to ask more clearly about this.
4. Disease Before Insurance Protection Period
The usual period of insurance coverage is as long as you travel. For example, you experience illness before the trip and your doctor recommends you take a total break and cancel the trip.
If you keep insisting on traveling, all medical expenses incurred during the trip will not be covered by your travel insurance. The reason is because you have been sick before and ignored the doctor’s advice to make a total break.
5. Pregnancy or miscarriage
Any treatment associated with pregnancy or miscarriage is the most commonly excluded by the insurer. Therefore, it is much better if you avoid long trips in pregnant or pregnant conditions.