4 Things Your Travel Insurance May Not Cover

Although it is unfortunate, sometimes it is necessary to cancel a vacation due to various reasons. In these situations, it’s not unreasonable to assume that your travel insurance can cover all the cost, but it isn’t always the case.

Before buying any insurance, it’s important to read and understand the fine print. It may be a chore, but it’s better than finding yourself frustrated when you can’t claim your insurance.

Here are some things that your travel insurance may not cover:

Pre-existing illnesses

When we say “pre-existing,” it often depends on the timing of your diagnosis of the illness and when you purchase the travel insurance. There is usually a “look-back period” of either 60, 90 or 180 days, and travel insurances often don’t cover any losses due to conditions for which there either symptoms or treatment during that period.

For example, you’ve had arthritis for several years and have trouble with the condition in the months leading to your vacation. If you cancel your trip due to reasons related to your illness, it’s unlikely your travel insurance will cover any losses.

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Natural disasters that occurred before you bought insurance

Insurance policies generally will provide coverage for unexpected natural disasters, but only if you purchased insurance before it happens. If you only started to buy travel insurance after a storm happened at your travel destination, you won’t be covered for any losses related to that storm.

Risky sports and activities

Skydiving, bungee jumping, white water rafting are some of the intense activities that travel insurance usually don’t include in their policies. For thrill-seeking travellers, this means it’s essential for them to check the fine print before signing up for any risky sports during vacation.

Accommodations that are below expectations

Checking into a hotel that is a lot less desirable than how it looked online isn’t a valid excuse to claim travel insurance as it is your responsibility to do research. Insurance policies will only provide coverage if your hotel becomes uninhabitable due to natural disasters or structural damage.

Always be prepared

Travel insurance provides coverage for many unexpected situations, but it doesn’t always cover everything. Make sure you understand all the policies before you buy travel insurance and before you embark on a journey.

Interested in buying travel insurance? Visit https://www.aig.my/personal/travel/travel-insurance for more information.

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