Travel insurance has plenty of benefits for those who are insured through any travel policy. Moreover, Trip Cancellation Insurance is introduced so that you can get back your expenses in any case. But what if you do not stand eligible according to the rules?
There are some reasons because of which you can claim the benefits of travel cancellation insurance. You will not get any payback if you have canceled your trip covering some particular reason. Here are some reasons because of which Trip Cancellation Insurance is denied. Please go through them and make sure you are not making that mistake.
1. You didn’t go to a doctor before canceling your trip because you are not well:
If you have canceled your trip because of any health-related issue, make sure the doctor has checked and recommended to cancel the trip. It can be you or your travel companion. You must ensure that you or your partner is specifically suggested not to travel. Before you have made any final decision, you need to assure it by a doctor. Your doctor needs to examine you within 72 hours of trip cancellation.
2. You haven’t give documentation for your trip cancellation reasons and expenses:
Every insurance agency may have a different documentation process for claiming travel insurance. You must make sure that you have provided a detailed document of all the expenses of your trip. Any credit card receipt or invoice is not enough for such policies. Thus, you must ensure and send all the documents you even think are connected to the reasons for the trip’s cancellation.
3. You obtained travel insurance when the possibility of a big storm was already in existence:
Weather can be one of the crucial reasons to cancel your trip. Some insurance agencies can deny this perspective in some cases. Travel insurance is to protect you against sudden tragedies. If you are already warned about any natural calamity, you will not benefit from Trip Cancellation Insurance. Or else, if you bought the insurance policy when a weather forecasting agency had warned any issue, you will not be provided any coverage.
4. You canceled your trip due to a delay in flights:
We all know that flights may delay a little bit these days. But you must not cancel your trip to claim the advantages of travel insurance. If you do this, you can also lose other benefits of the trip cancellation insurance policy. Instead of canceling it, you can apply for a trip interruption claim and get some help.
5. You didn’t read the terms, conditions, and exclusions for the travel policy:
There may be many causes because of which your travel agency can protect you. It can give you many benefits due to some covered reasons for the trip cancellation process. But you cannot claim the insurance for any reason that is not stated in your policy’s terms and conditions. Therefore, you are required to go through the terms, conditions, and exclusions for the trip cancellation insurance policy adequately.
Conclusion
As you have gone through some reasons why an insurance claim can be denied, Trip Cancellation Insurance will not be more complicated for you. You may contact us at Travel Insurance Master for more details.
