The holiday season is fast approaching, and some of you may already have planned how and where you will spend your leisure time with your family. So plan your vacation well, choose a reliable and reliable travel agent to plan your trip, wisely decide where you are going and what to do where you are going, prepare your travel documents and delivery items, and, of course, to avoid your vacation turning into a disaster, you will need insurance of tourism as a protection.
Travel insurance is one of the most important tools for your vacation, so choose your insurance manager better when you decide to buy it. Shop to get the best rate and coverage, and it’s a good idea to look at the guidance and advice on how to get the best travel insurance for your trip.
But you can feel 100% secure because you already have travel insurance, because no insurance can cover all the risk. As with travel insurance, there are things that most travel insurance will not cover. Knowing these things is important so that you can be prepared if any of them happen before or during your trip. It is also helpful to help you choose an insurance provider that can give you more coverage for your trip.
I have collected from many sources, items that most travel insurance will not cover as you see below:
Even if it is beyond your control, travel insurance will not cover any expenses you have already incurred if the trip is canceled by your tour operator. You can ask the operator to refund your money, but your travel insurance will not cover any losses incurred in this case and it will not help you to reimburse the tour manager or make a legal claim against them.
A tour operator may cancel your trip for a number of reasons including problems with his or her internal company. That’s why you should carefully choose a travel operator to avoid this, make sure it is a good and reliable company.
War or Riot
There are often certain types of stress situations mentioned in the policy that define whether they are payable or not. That is often the case; strikes, riots, civil unrest, terrorism, and war, whatever happens on the way. If cancellations are made for any of those reasons, most travel insurance policies will not cover them.
Death or illness of an animal
Animal lovers can cancel their trip because their beloved pet is dead or ill, but do not expect the insurance company to sympathize with the situation, this is also an uncertain risk.
You cannot cancel your trip by having a mental illness or mental illness without punishment, because in most insurance companies, this is a disclaimer.
Divorce before trip
One in a million, but still possible. After you buy a travel package and travel insurance, a problem suddenly arises in your family, and then your spouse fills in the divorce certificate and cancels the entire plan, and you have to cancel the trip. This is also not considered an unavoidable risk.
Epidemics of disease
If you find that your destination is plagued by swine flu or anything similar, you may be concerned about your family’s health and decide to cancel the trip. However, it is also not a valid reason for cancellation of the trip, so this will not be covered.
This case sometimes happens, and sadly it happens every time you buy a ticket or book a tour package or when you arrive. You can usually expect the money from the airline to return the ticket, but travel insurance will usually not cover the cancellation.
Most travel insurance policies say they will provide travel cancellation coverage if your destination is completely closed by a natural disaster. But please pay attention to good printing and read it carefully, usually if the accommodation or airport remains open, you will not find that your claim has been covered by insurance.
Health, Medical Treatment, or Personal Injury
This is a common discharge in most insurance procedures, so treatment related to this condition during your trip will have to come out of your own pocket.
If you wish to do extreme sports at your destination, the risks will not be covered by your regular travel insurance. For this, you should get some extra sports insurance insurance or something like that.
Pregnancy and childbirth
Usually, it is specified under what circumstances pregnancy or childbirth complications are covered. You too should learn good printing carefully in this regard.
In the insurance company, a holiday is a holiday, which means you should not work or do anything related to it. If you are injured while doing something that is considered active, insurance will not cover you. What is considered a work ethic is not always about doing something financially, as long as it is a situation that involves manual labor, using electrical tools or driving heavy machinery, it can be regarded as working.