5 Reasons Why Travel Insurance Claims Are Rejected

 

 Almost all travel agencies already provide travel insurance when you use their services. However, there are also travel agencies that give you the option to use the travel insurance product or not, of course if you do not want to use the insurance, the ticket price will be cheaper.

Instead, we advise you not to be easily lulled into such cheaper prices and risk the safety of your life. Insurance is an important thing for you to have to protect you from difficult times in the future.

Once you have travel insurance, you must understand how to make a claim in case of an accident or things that harm you while on the trip. Even if you already know how, do not rule out the possibility that your claim submission is rejected.

Therefore, know the 5 reasons that make your travel insurance claim rejected below.

1. Not Immediately Report Problems

If you feel something is harming you or getting you into trouble, don't refrain from reporting the problem to your travel insurance company. The insurance company should always be on standby when you report a problem so that your problem can be resolved immediately.

But the insurance company can't process your problem if you delay reporting your problem until it's past the deadline. So, contact your travel insurance agent as soon as possible when things are harming or getting you in trouble.

2. Your Problems Beyond Protection

Of course here you have to be careful before acting. Find out carefully what disasters or problems are covered in your travel insurance protection. The protection provided by travel insurance to you depends on any problems or disasters included in the protection.

So before reporting your problem, it's a good idea to research more about your travel insurance. The insurer will not provide protection if the problem you report is not included in their protection list.

3. Incomplete Supporting Documents

To file a travel insurance claim, there are several supporting documents that you must complete. Every problem or disaster that you want to claim to insurance has different supporting document requirements, so you must know what documents are needed for filing a claim report.

The way to find out is to contact an insurance agent or check your insurance policy. Completeness of supporting documents is a condition that you must fulfill in order for the submission of a claim to be accepted. If your supporting documents are incomplete then it is most likely that the filing of an insurance claim will be rejected.

4. Late or Not Buying a Policy

Usually when you buy a transportation ticket to a travel agency, you will immediately get travel insurance. But you can also not buy travel insurance. If you choose not to buy travel insurance, then you cannot file an insurance claim.

Therefore do not underestimate travel insurance and it is better to have this insurance before you even travel with your family or friends. The purchase of late travel insurance will also have an impact on the rejection of claim submissions later.

5. Reasons for Illogical Claims

The use of insurance claims can indeed be a source of profit for you. Only by filing a claim for a disaster or problem that you experienced, then you will receive the cost of compensation from insurance. Therefore, to avoid cheating practices, the insurance requires you to give a reasonable reason when making a claim.

If the loss you experience is only caused by trivial things, then the insurance will most likely not respond to your application and reject it. So, if you want to make a claim, have a logical and clear reason.

Traveling So Safe

Travel insurance is a form of protection on your security and comfort in the future while traveling. The possibility of harm, such as a disaster, accident, or illness during the trip will always be there, so having travel insurance is very important for you. By using travel insurance, traveling with loved ones is safe.