What Will Not Be Covered In Your Travel Insurance Policy?

Here are the ten common occurrences your international or domestic travel insurance policy may not cover. You can add these benefits of travel insurance to your existing insurance policy.

1. Diseases or Circumstances That Already Exist

Your travel insurer will deny your claim for any pre-existing medical condition. A look-back period is sixty to one hundred eighty days before the policy’s inception. You may notify your travel insurer of any pre-existing conditions during this time. You would be travelling at your own risk if a natural disaster struck the country you were visiting.*

2. Treatment for Teeth

You cannot file a claim for routine dental check-ups under your travel insurance policy. It would only cover acute dental discomfort or injuries from an accident during your trip. Only natural molars can receive treatment.*

3. Loss or Damage owing to Mental Disorders/ Suicide Attempt

The policy does not cover self-inflicted injuries and suicide attempts. Claims for losses or injuries resulting from psychiatric or mental disorders, such as depression, emotional collapse, schizophrenia, or bipolar disorder, will not be processed. Some policies sometimes cover hospitalisation expenses incurred due to an emergency.*

4. Medical Treatment Requiring Travel

However, most travel insurance policies do not cover overseas medical care only if the treatment is unavailable in India and abroad. *

5. Pregnancy and childbirth-related complications

Pregnancy and childbirth-related health issues are not covered during your trip. Childbirth complications, such as miscarriage, will not be covered by international travel insurance online or offline policy. Before embarking on a trip during pregnancy, you must assess your health.*

6. Natural Catastrophes Occurring Before Purchase of the Policy

Natural disasters, such as earthquakes, cyclones, and storms, are covered by travel insurance. But if you purchased travel insurance after a volcano began erupting and the government issued a notice of the disaster, you cannot file a claim for any loss or damage.*

7. Adrenaline-Pumping Activities

Travellers frequently make this error. Most travel insurance policies don’t cover adventure activities like rafting, mountaineering, skiing, bungee jumping, or scuba diving. You will undertake these endeavours at your peril. Before planning a trip, remember that life-threatening activities are not covered.*

8. Unfavourable climate

You are not eligible for compensation from your travel insurance provider if you are forced to abruptly abandon or shorten your trip due to excessive rainfall and bad weather. If it causes your flight to be cancelled, it would only be compensated. You cannot abandon your vacation simply because the local weather forecast predicts heavy rain.*

9. If You Fail to Provide Necessary Documents or Bills to Your Insurance Company

To receive the necessary compensation, you must present all claim-related documents while processing the claim. Your claim will be only allowed if you submit all the required documents and invoices. Your claim depends on you keeping all of the payment records.*

10. If your Claim Extends Past the Coverage of the Policy

The policy’s benefits and restrictions must be noted. Bajaj allianz travel insurance policies offer coverage as specified in the policy documents. If your travel concerns are not specified in the policy’s fine print, you should contact your insurer to determine if a specific add-on is available.*

Conclusion:

If you clearly understand the circumstances your travel insurance will not cover, you won’t make any errors in your calculations. If you review your bajaj allianz travel insurance policy’s exclusions, your entire trip could be better. With the advice mentioned above, it is hoped that you can make an informed decision and travel quickly.

*Standard T&C Apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.