Travel insurance is an essential form of protection to have when travelling. Even if you’re going on holiday to a relatively safe location and you can’t possibly imagine anything going wrong – you never know what might happen. A hotel might accidentally lose your luggage, or you might get unexpectedly sick overseas.
It’s also very important to have comprehensive travel insurance that covers every potential problem that might arise. At times, travel insurance will be offered much cheaper than their competitors precisely because they exclude coverage for a lot of different circumstances. These exclusions will often be buried in the fine print.
The team at Dwyer Lawyer Group has a wealth of experience in travel insurance claims, and so we’ve assembled a helpful list that will help you ask the right questions and know what to look for when buying travel insurance.
Travel insurance will often require that you seek professional medical attention in the country that you contracted an illness or disease. Many people have fallen into the trap of waiting until they’re comfortably back in their home country before seeking medical attention, especially if the illness doesn’t seem urgent, and then been denied an insurance claim because there wasn’t evidence of the illness being contracted overseas. If you get sick, always see a doctor immediately – so you have documentation of the illness occurring while travelling.
Travel insurance will often exclude a medical claim if it is connected to a pre-existing illness. People may be denied a claim if they had an illness prior to travelling that made them more susceptible to contracting a particular illness overseas.
Money and Time Limitations
Travel insurance will often stipulate limitations on the amount of money you can claim and the time in which you have to make that claim. There’s no point getting cheap insurance if the upper limit on claims is low – especially if you take expensive items. Particular classes of items (expensive cameras, for instance) might also be excluded unless you specifically list them on your form when buying insurance.
Don’t leave it too long before making a claim. Travel insurance forms can stipulate a small timeframe in which to make your claim after returning home.
Lost or Stolen Items
Make sure to take proper precautionary measures when protecting your luggage or valuables. Travel insurance will usually exclude a claim if something is lost or stolen while left unattended.
There also needs to be evidence of your items having been acquired and lost/stolen. Valuable items will often need to be registered on the form in advance if they might be claimed later. If you are robbed while overseas, it will be necessary to contact police in the country and get a police report that proves you have been robbed. Keep all receipts from expensive items you buy while on holiday.
Contact Dwyer Law Group in Brisbane or the Gold Coast
Travel insurance is a tricky field – read the fine print and don’t be caught out! If you believe a claim you’ve made has been incorrectly denied, make a free enquiry with us to see if you need compensation lawyers. Alternatively, contact us directly today!