Travel Insurance Claims recipes
Crime-Related Travel Insurance Claims: What is Paid?
Many Western countries are very fortunate, enjoying a high level of social stability. Terrorism is a faraway thought for most rather than a daily reality, and the divide between rich and poor is not so great that people must steal simply to survive. Being the victim of crime is not pleasant – and even less so when you are overseas. This is the very reason travel insurance was created – so that people would have the peace of mind to do things that they otherwise might feel too risky. Overseas travel is so rewarding, there is no need to let distant possibilities prevent you seizing the day. Today we are looking at victim of crime travel insurance claims, and how much you are covered for in the case of specific events.
Baggage and personal effects cover
Claims relating to your baggage and personal effects may be the result of a crime – or simple mismanagement of your baggage by a travel carrier. There are sub-limits per item within this cover in standard policies, so if you are taking any individually very expensive items, it is wise to contact your travel insurance agent and check if they are covered.
Logistics-Related Travel Insurance Claims: What is Paid?
Logistics problems are (fortunately!), more common than the serious medical events that induce many people to take out travel insurance. What is not fortunate is that many people don’t realize that insurance cover even exists for these sorts of problems, and will simply chalk these events up to bad luck. Even the most basic travel insurance policies cover a wide range of logistics-related events, usually circumstances like cancellation and curtailment, missed connections, travel delays, and the additional cost of getting to non-delayable events. Here we take an in-depth look at the monetary levels of cover you can expect if you need to make a logistics travel insurance claim.
Cancellation and curtailment
If you’ve ever read the fine print on a hotel booking form or the terms of service for a flight, you might have had second, third and fourth thoughts about actually going! The cancellation fees can run into the thousands on long and extended trips, and you may be liable for quite a lot of money, through no fault of your own. You can make a logistics travel insurance claim under cancellation and curtailment if you have expenses incurred from cutting short or completely cancelling your trip due to illness, injury, death, jury duty, pregnancy, witness service or employment redundancy. You’ll find standard levels of cover range up to: Click Here To Read More »
Medical-Related Travel Insurance Claims: What is Paid?
The fear of being stuck overseas while you are ill, with little understanding of the local language and bankruptcy as your only way to be treated or get yourself back home, is the main reason that many people take out travel insurance. If you are wondering about the fine print on medical travel insurance policies and exactly how much they pay for adverse events, we’ll be looking at several policy types from a popular travel insurance agent today to give you an idea.
Overseas medical expenses
This is the cornerstone of most travel insurance policies – there aren’t many available that will omit this vital cover. The key words in the policy are usually ‘necessary and reasonable costs’ – so the treatment must be reasonably priced and necessary to your immediate health. Typical cover levels are:
- $5,000,000 at the basic level of cover
- $5,000,000 at the intermediate level
- $10,000,000 at the highest level of cover
7 of the Strangest Travel Insurance Claims
‘Stranger things have happened’: for some it is a catchcry to tell you that anything is possible. Few people have as good an understanding of just what those stranger things might be than the people who process travel insurance claims! If you have an overseas trip upcoming, you have probably purchased travel insurance against common events like losing your luggage, missing a flight, or getting ill while overseas and needing medical assistance. What you might not realize is that it isn’t only the boring events that travel insurance helps you out with. The unexpected does happen – and it happens to single group more than travellers. Here we look at some of the weird and wonderful travel insurance claims from around the world.
1. Bikinis break man’s nose
In Athens, a young man had to file a claim on his medical travel insurance for a broken nose. He wasn’t watching where he was going and walked into a bus shelter … because his eyes were taken up with a passing group of bikini clad women. Such pleasure followed by such pain! It’s like his mother was exacting revenge…
2. Free skis for lack of snow
A British lady claimed on her travel insurance after purchasing a new set of skis for a holiday, and finding that the slopes were completely dry once she arrived there. Not dry powder – just no snow. Her insurance company refunded her the cost of the skis – she mustn’t have had the option to ask for a refund from the company.