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
DevOpsSummit New York 2018, colocated with CloudEXPO | DXWorldEXPO New York 2018 will be held November 11-13, 2018, in New York City. Digital Transformation (DX) is a major focus with the introduction of DXWorldEXPO within the program. Successful transformation requires a laser focus on being data-driven and on using all the tools available that enable transformation if they plan to survive over the long term. A total of 88% of Fortune 500 companies from a generation ago are now out of bus...
With 10 simultaneous tracks, keynotes, general sessions and targeted breakout classes, @CloudEXPO and DXWorldEXPO are two of the most important technology events of the year. Since its launch over eight years ago, @CloudEXPO and DXWorldEXPO have presented a rock star faculty as well as showcased hundreds of sponsors and exhibitors! In this blog post, we provide 7 tips on how, as part of our world-class faculty, you can deliver one of the most popular sessions at our events. But before reading...
DXWorldEXPO LLC announced today that "Miami Blockchain Event by FinTechEXPO" has announced that its Call for Papers is now open. The two-day event will present 20 top Blockchain experts. All speaking inquiries which covers the following information can be submitted by email to [email protected] Financial enterprises in New York City, London, Singapore, and other world financial capitals are embracing a new generation of smart, automated FinTech that eliminates many cumbersome, slow, and expe...
Cloud Expo | DXWorld Expo have announced the conference tracks for Cloud Expo 2018. Cloud Expo will be held June 5-7, 2018, at the Javits Center in New York City, and November 6-8, 2018, at the Santa Clara Convention Center, Santa Clara, CA. Digital Transformation (DX) is a major focus with the introduction of DX Expo within the program. Successful transformation requires a laser focus on being data-driven and on using all the tools available that enable transformation if they plan to survive ov...
DXWordEXPO New York 2018, colocated with CloudEXPO New York 2018 will be held November 11-13, 2018, in New York City and will bring together Cloud Computing, FinTech and Blockchain, Digital Transformation, Big Data, Internet of Things, DevOps, AI, Machine Learning and WebRTC to one location.
DXWorldEXPO LLC announced today that ICOHOLDER named "Media Sponsor" of Miami Blockchain Event by FinTechEXPO. ICOHOLDER give you detailed information and help the community to invest in the trusty projects. Miami Blockchain Event by FinTechEXPO has opened its Call for Papers. The two-day event will present 20 top Blockchain experts. All speaking inquiries which covers the following information can be submitted by email to [email protected] Miami Blockchain Event by FinTechEXPO also offers s...
DXWorldEXPO | CloudEXPO are the world's most influential, independent events where Cloud Computing was coined and where technology buyers and vendors meet to experience and discuss the big picture of Digital Transformation and all of the strategies, tactics, and tools they need to realize their goals. Sponsors of DXWorldEXPO | CloudEXPO benefit from unmatched branding, profile building and lead generation opportunities.
@DevOpsSummit New York 2018, colocated with CloudEXPO | DXWorldEXPO New York 2018 will be held November 11-13, 2018, in New York City. From showcase success stories from early adopters and web-scale businesses, DevOps is expanding to organizations of all sizes, including the world's largest enterprises - and delivering real results.
Dion Hinchcliffe is an internationally recognized digital expert, bestselling book author, frequent keynote speaker, analyst, futurist, and transformation expert based in Washington, DC. He is currently Chief Strategy Officer at the industry-leading digital strategy and online community solutions firm, 7Summits.
Widespread fragmentation is stalling the growth of the IIoT and making it difficult for partners to work together. The number of software platforms, apps, hardware and connectivity standards is creating paralysis among businesses that are afraid of being locked into a solution. EdgeX Foundry is unifying the community around a common IoT edge framework and an ecosystem of interoperable components.
"We started a Master of Science in business analytics - that's the hot topic. We serve the business community around San Francisco so we educate the working professionals and this is where they all want to be," explained Judy Lee, Associate Professor and Department Chair at Golden Gate University, in this SYS-CON.tv interview at 21st Cloud Expo, held Oct 31 – Nov 2, 2017, at the Santa Clara Convention Center in Santa Clara, CA.
DXWorldEXPO LLC announced today that Dez Blanchfield joined the faculty of CloudEXPO's "10-Year Anniversary Event" which will take place on November 11-13, 2018 in New York City. Dez is a strategic leader in business and digital transformation with 25 years of experience in the IT and telecommunications industries developing strategies and implementing business initiatives. He has a breadth of expertise spanning technologies such as cloud computing, big data and analytics, cognitive computing, m...
Digital Transformation and Disruption, Amazon Style - What You Can Learn. Chris Kocher is a co-founder of Grey Heron, a management and strategic marketing consulting firm. He has 25+ years in both strategic and hands-on operating experience helping executives and investors build revenues and shareholder value. He has consulted with over 130 companies on innovating with new business models, product strategies and monetization. Chris has held management positions at HP and Symantec in addition to ...
Cloud-enabled transformation has evolved from cost saving measure to business innovation strategy -- one that combines the cloud with cognitive capabilities to drive market disruption. Learn how you can achieve the insight and agility you need to gain a competitive advantage. Industry-acclaimed CTO and cloud expert, Shankar Kalyana presents. Only the most exceptional IBMers are appointed with the rare distinction of IBM Fellow, the highest technical honor in the company. Shankar has also receive...
There is a huge demand for responsive, real-time mobile and web experiences, but current architectural patterns do not easily accommodate applications that respond to events in real time. Common solutions using message queues or HTTP long-polling quickly lead to resiliency, scalability and development velocity challenges. In his session at 21st Cloud Expo, Ryland Degnan, a Senior Software Engineer on the Netflix Edge Platform team, will discuss how by leveraging a reactive stream-based protocol,...