Is Travel Insurance Not Covered?
Nevertheless, although all travel insurance providers vary and their coverage varies, the following is a fairly standard list of what policies do not cover. Hurry up and book your Southwest Airlines flight tickets with the help of Southwest Airlines Reservations.
“Fear” of issues while traveling
If you are afraid that something might affect your trip, but it has not really affected anything yet, you probably won’t be covered.
We faced it last year when we wanted to cancel a trip to France as country-wide attacks stopped transportation across the country and we started seeing news of protests being violent and riot police Needed to help keep order.
But being nervous is not a covered issue. We were not covered until our travel plans were directly affected – plus, we bought our travel insurance policy after the strike began, which rendered our coverage ineligible (which we had relaxed).
However, when our train tickets started being canceled due to the strike, we were able to get some help from our credit card provider and canceled the trip. (To regret going into quarantine after only two months and what was our last international trip for a very long time, would regret canceling… but it is definitely on us.)
Poor judgment
Chances are if you made a bad decision and took an unnecessary risk, you would not be covered by your travel insurance provider.
Pre-Existing Risk
This is a term that I have just coined, but like pre-existing medical conditions, I would define a pre-existing crisis as an issue that existed before you booked your travel insurance. Something like a travel warning that you didn’t see until a day before your flight, a nationwide strike that started 2 weeks before you bought travel insurance (which happened to us in France), or a global epidemic that hit your Started booking those super cheap plane tickets.
There is no way to prove that you don’t know about it before you book your trip, so, unfortunately, you probably haven’t covered it. He said: If you book your travel insurance on the same day that you book your plane ticket, and you researched the bare minimum amount before booking your trip, then you are probably looking for most of these issues. Will be covered for
Regular medical care
No: You cannot schedule a check-up or process internationally and then get your travel insurance to cover it. Travel medical and dental insurance only covers emergencies – preventive care and other routine medical requirements are not included. (Although we recommend a unique travel insurance policy below that comes very close to simple health insurance…)
Damage to Expensive Equipment
If you travel with pricey electronic equipment, camera gear, or other specialized equipment, chances are that most travel policies have limitations that do not extend to meet your needs. You probably want to pay attention to a particular policy that will cover the gear you need.
Who is the best travel insurance provider?
When it comes to evaluating the best travel insurance providers, I am looking for some important things. In addition to being a legitimate, well-funded, non-shadowy business, I also have a mental checklist:
- Should cover the basics. At the bare minimum, any halfway decent travel insurance policy must cover travel, lost and stolen luggage, trip cancellations and interruptions, and unexpected medical expenses during an emergency evacuation or repatriation.
- Clear, transparent information about what and what is not covered.
- Easy pricing information available online. I don’t want to call and talk to someone to bid. I am of the millennium. I hate talking to people on the phone. I don’t want anyone to “sell” me on their services. Just put the whole thing online so that I can evaluate it from the comfort of my home, quietly and antisocially.
- Reviews and positive experiences from other travelers. If someone does not get enough positive reviews, I book a hostel or go to a restaurant, much less the travel insurance policy! If a quick Google search or Facebook post gets more negative feedback than positive about a travel insurance provider, I’m out. That said: Annoyed customers are generally more vocal than delighted ones, so I try to balance my research and keep this in mind.
The two travel insurance providers I recommend meeting all of the above criteria and are a great fit for us as adventurous, frequent travelers (who often find themselves in pickles). They are both excellent options for backpacker travel insurance. I made many claims with him on that first trip, and I was very happy with the service and support I received, I continued to have travel insurance through World Nomads for years. And it was the right choice: World Nomads was fantastic and helped our (very, consistently) adventurous lot.