Click here to close now.




















Welcome!

News Feed Item

Prevent Your Travel Insurance Claim From Being Denied

MIAMI, Jan. 10, 2014 /PRNewswire/ -- With all of the cancelled or delayed flights and travel plans due to the recent super storms and polar vortex, travel insurance provider InsureandGo USA wants to make sure that consumers are well informed on how to get the most out of their travel insurance plans.  

(Photo: http://photos.prnewswire.com/prnh/20140110/NE44612 )

As is the case with any conventional insurance policy, a travel insurance policy serves as a legal contract. Travelers pay a fee to insure that their risks are covered, and the insurance company agrees to pay for damages in the event of a cancellation, delay, injury, illness, accident, and more; however, the insurance company will only reimburse a traveler if what occurred is specifically included and covered by the policy. 

Numerous travelers are not clear on what a travel insurance policy covers and after reading a few stories from other travelers, some believe that if they file a claim for reimbursement they will ultimately be denied. The following is a list of the most frequent reasons that travel insurance claims get denied and how to ensure that you receive the reimbursement that you're entitled.

Claim Denial Due to a Non- Covered Reason:

It's important to recognize that most travel insurance policies are "named peril" policies which means that simply having the trip cancellation included in your coverage does not automatically mean that you're covered; if your reason for cancellation is not listed in the policy, then you will not be covered. While most travel insurance companies cover the same major perils, there can be slight differences so it is important that you carefully review what is and is not covered before making your final purchase decision.

Claim Denial Due to Lack of Documentation:

Travel insurance companies will require a paper trail to prove that you incurred a loss or expense and won't simply take you at your word. Because of this it is extremely important that you make sure that you keep all of your receipts and get proof of any incidents in writing. Following are a few tips on what to do in these particular situations:

  1. When a flight is cancelled, ask the airline representatives to give you a printout of the cancellation or get an email from the airline confirming the flight cancellation. 
  2. If your luggage is lost, stolen or delayed keep all of your receipts for any necessary purchases that you had to make. Also, get documentation from the airline if luggage is lost in transit. If items are stolen make sure you get a police report.
  3. If you lose your travel documentation such as your passport, identification or driver's license, file a report at the nearest embassy or police department and ask to receive a copy for insurance purposes. 
  4. If you cancel your trip due to an illness or injury, be sure that you visit a doctor and get a note stating that he or she recommends that you cancel the trip or that you are not fit to travel.
  5. Whenever anything happens during your trip that you may want to file a claim for, be sure that you receive proof in writing.  

Claim Denial Due to a Pre-Existing Condition:

Pre-existing conditions are generally defined as "any injury, illness, disease, or other medical condition that occurs prior to the travel plan's effective date and for which you had symptoms and sought diagnosis, medical treatment, and/or new prescription medications or a change in your current prescription."

If you or any of your travel companions have received changes in your medications, or if you have visited a doctor for treatment within the last 60 to 180 days, then you should seriously consider purchasing an insurance policy that includes a pre-existing condition waiver. 

Most insurance companies offering the pre-existing condition waiver will only cover the traveler if he or she has met all of the criteria. This criterion varies between companies, but generally requires that the traveler purchases the insurance policy within 14 days of the initial booking deposit, is medically able to travel at the time of the policy purchase. Make sure that you check the criteria required by the insurance company that you purchase your policy from.

For example, InsureandGo USA automatically includes a pre-existing condition waiver to travelers under 70 years old as long as you purchase the policy within 14 days of the initial trip deposit and cover the full cost of the trip.

Claim Denial Due to Misrepresentation on the Insurance Application:

While not technically a claim denial, a traveler could have their policy voided or "rescinded" if the information reported on the application for coverage is inaccurate whether intentionally or not. It's important that you review all of your information to make sure that you accurately presented all of your travel dates, age, trip costs, and personal information on your insurance policy application. That online application that you fill out becomes part of the insurance agreement, so taking the extra couple of minutes to review it is well worth it. 

Is Travel Insurance a Case of Buyer Beware?

As travelers, we should take the time to review the policy documents to make sure that we are buying what we think are buying. By not reviewing the insurance policy we can set ourselves up for false expectations and then be terribly disappointed when a claim is denied. InsureandGo, for example, provides a 10 Day Satisfaction Guarantee which allows customers to review their policy and be able to cancel it within 10 days of their purchase date if the policy does not meet their requirements. They also provide knowledgeable customer service agents that can help answer any questions about the plans that you might have.

For more information on InsureandGo USA and to check out the insurance plans they offer, call (888) 491-9596 or visit http://www.insureandgousa.com

Contact: Jason Carrasco, 305-717-5801, [email protected]  

SOURCE InsureandGo USA

More Stories By PR Newswire

Copyright © 2007 PR Newswire. All rights reserved. Republication or redistribution of PRNewswire content is expressly prohibited without the prior written consent of PRNewswire. PRNewswire shall not be liable for any errors or delays in the content, or for any actions taken in reliance thereon.

Latest Stories
Learn how to solve the problem of keeping files in sync between multiple Docker containers. In his session at 16th Cloud Expo, Aaron Brongersma, Senior Infrastructure Engineer at Modulus, discussed using rsync, GlusterFS, EBS and Bit Torrent Sync. He broke down the tools that are needed to help create a seamless user experience. In the end, can we have an environment where we can easily move Docker containers, servers, and volumes without impacting our applications? He shared his results so yo...
Palerra, the cloud security automation company, announced enhanced support for Amazon AWS, allowing IT security and DevOps teams to automate activity and configuration monitoring, anomaly detection, and orchestrated remediation, thereby meeting compliance mandates within complex infrastructure deployments. "Monitoring and threat detection for AWS is a non-trivial task. While Amazon's flexible environment facilitates successful DevOps implementations, it adds another layer, which can become a ...
With SaaS use rampant across organizations, how can IT departments track company data and maintain security? More and more departments are commissioning their own solutions and bypassing IT. A cloud environment is amorphous and powerful, allowing you to set up solutions for all of your user needs: document sharing and collaboration, mobile access, e-mail, even industry-specific applications. In his session at 16th Cloud Expo, Shawn Mills, President and a founder of Green House Data, discussed h...
The Software Defined Data Center (SDDC), which enables organizations to seamlessly run in a hybrid cloud model (public + private cloud), is here to stay. IDC estimates that the software-defined networking market will be valued at $3.7 billion by 2016. Security is a key component and benefit of the SDDC, and offers an opportunity to build security 'from the ground up' and weave it into the environment from day one. In his session at 16th Cloud Expo, Reuven Harrison, CTO and Co-Founder of Tufin,...
There are many considerations when moving applications from on-premise to cloud. It is critical to understand the benefits and also challenges of this migration. A successful migration will result in lower Total Cost of Ownership, yet offer the same or higher level of robustness. In his session at 15th Cloud Expo, Michael Meiner, an Engineering Director at Oracle, Corporation, analyzed a range of cloud offerings (IaaS, PaaS, SaaS) and discussed the benefits/challenges of migrating to each offe...
SYS-CON Events announced today that MobiDev, a software development company, will exhibit at the 17th International Cloud Expo®, which will take place November 3–5, 2015, at the Santa Clara Convention Center in Santa Clara, CA. MobiDev is a software development company with representative offices in Atlanta (US), Sheffield (UK) and Würzburg (Germany); and development centers in Ukraine. Since 2009 it has grown from a small group of passionate engineers and business managers to a full-scale mobi...
Chuck Piluso presented a study of cloud adoption trends and the power and flexibility of IBM Power and Pureflex cloud solutions. Prior to Secure Infrastructure and Services, Mr. Piluso founded North American Telecommunication Corporation, a facilities-based Competitive Local Exchange Carrier licensed by the Public Service Commission in 10 states, serving as the company's chairman and president from 1997 to 2000. Between 1990 and 1997, Mr. Piluso served as chairman & founder of International Te...
Mobile, social, Big Data, and cloud have fundamentally changed the way we live. “Anytime, anywhere” access to data and information is no longer a luxury; it’s a requirement, in both our personal and professional lives. For IT organizations, this means pressure has never been greater to deliver meaningful services to the business and customers.
In their session at 17th Cloud Expo, Hal Schwartz, CEO of Secure Infrastructure & Services (SIAS), and Chuck Paolillo, CTO of Secure Infrastructure & Services (SIAS), provide a study of cloud adoption trends and the power and flexibility of IBM Power and Pureflex cloud solutions. In his role as CEO of Secure Infrastructure & Services (SIAS), Hal Schwartz provides leadership and direction for the company.
In a recent research, analyst firm IDC found that the average cost of a critical application failure is $500,000 to $1 million per hour and the average total cost of unplanned application downtime is $1.25 billion to $2.5 billion per year for Fortune 1000 companies. In addition to the findings on the cost of the downtime, the research also highlighted best practices for development, testing, application support, infrastructure, and operations teams.
Puppet Labs has announced the next major update to its flagship product: Puppet Enterprise 2015.2. This release includes new features providing DevOps teams with clarity, simplicity and additional management capabilities, including an all-new user interface, an interactive graph for visualizing infrastructure code, a new unified agent and broader infrastructure support.
For IoT to grow as quickly as analyst firms’ project, a lot is going to fall on developers to quickly bring applications to market. But the lack of a standard development platform threatens to slow growth and make application development more time consuming and costly, much like we’ve seen in the mobile space. In his session at @ThingsExpo, Mike Weiner, Product Manager of the Omega DevCloud with KORE Telematics Inc., discussed the evolving requirements for developers as IoT matures and conducte...
Container technology is sending shock waves through the world of cloud computing. Heralded as the 'next big thing,' containers provide software owners a consistent way to package their software and dependencies while infrastructure operators benefit from a standard way to deploy and run them. Containers present new challenges for tracking usage due to their dynamic nature. They can also be deployed to bare metal, virtual machines and various cloud platforms. How do software owners track the usag...
Explosive growth in connected devices. Enormous amounts of data for collection and analysis. Critical use of data for split-second decision making and actionable information. All three are factors in making the Internet of Things a reality. Yet, any one factor would have an IT organization pondering its infrastructure strategy. How should your organization enhance its IT framework to enable an Internet of Things implementation? In his session at @ThingsExpo, James Kirkland, Red Hat's Chief Arch...
Providing the needed data for application development and testing is a huge headache for most organizations. The problems are often the same across companies - speed, quality, cost, and control. Provisioning data can take days or weeks, every time a refresh is required. Using dummy data leads to quality problems. Creating physical copies of large data sets and sending them to distributed teams of developers eats up expensive storage and bandwidth resources. And, all of these copies proliferating...