Can Your Travel Insurance Claim Get Rejected?

Not all claims are accepted by the travel insurance providers. So it is possible that your travel insurance claim can get rejected due to some important factors. There are several points due to which your insurer can reject your claim, read in detail below:

1.) When you opt for the Wrong Coverage

Usually, travel insurance policies provide five main kinds of coverage, trip cancellation, trip delay, missed flights, lost of baggage, important documents, and medical emergency. Thus, when purchasing a travel insurance policy, make sure you have an in-depth knowledge of terms and conditions of the policy that are actually being covered by the policy. For example, in case you lost your luggage in transit and you are not covered under baggage insurance, then it is impossible to get the coverage for your lost belongings from the insurance company.

2.) Drug or Alcohol Consumption:

Unfortunately, travel insurance companies will reject the claim if it is found that policyholder was under the influence of alcohol or drugs during the accident. Almost all the insurance company do not provide coverage in case the policyholder has taken alcohol or drugs while the accident.

3.) Failure to Disclose Medical Conditions

Always maintain a transparency with your insurer it means you should disclose your medical history before applying for a travel insurance policy. In case you do not discuss your critical illness with your insurance company before buying the policy the policy will not provide any coverage in case of critical illness and reject your claim.

4.) Adventure Sports

There are a number of adventure sports at good tourist spots that are very risky for life. A majority of insurance providers do not provide coverage for any such adventurous sports that are risky. In case you are injured while indulging in any such dangerous sport, the claim will be rejected as it falls outside the list of important coverage and benefits of the policy.

5.) Travelling against the advice of the FCO and WHO

Your insurance company will reject your claim if you travel to destinations that are declared risky by World Health Organization (WHO) and Foreign Commonwealth Offices (FCO). If your travel destination falls in the high-risk category insurer will reject your claim. So make sure you choose wisely while planning a trip on vacations.

6.) Two Wheelers

Travel insurance policy does not provide coverage to the two wheeler trip as it considers motorbikes and mopeds a risky for a long journey, and therefore reject the claim filed for the same. Hence, when choosing the mode of transportation to reach your destination be sure you do not opt for any two wheelers or bike.

Let us take an example of Bajaj Allianz Travel Insurance policy exclusions that can reject your claim

Bajaj Allianz travel insurance policy includes some important exclusion that may become the reason of rejection when you file a claim for your travel insurance policy, let us read all the exclusion in details below:

Exclusions under Bajaj Allianz Travel Insurance Plans

• The policy rejects the claim in case of experimental or unproven treatment.

• Bajaj Allianz travel insurance rejects the claim when it is a case of suicide, self-inflicted injury, mental disorder like stress, anxiety, alcoholism, depression, drug abuse. 

• It also rejects the claim after the policy expiration. It means it does not cover the medical expenses are incurred after policy expiration date. 

• The policy rejects the claim for treatment/alternative form of medicine except allopathic.

• The claim is rejected by Bajaj Allianz Insurance Company in case of critical illness.

• It does not cover the loss or damage of passport.

• It rejects the claim in case of pregnancy, miscarriage, abortion, or any complication arising due to traveling.