Some Important Terms and Conditions in Your International Travel Insurance Policy

Many policyholders who purchase travel insurance for trips to Europe or other countries may struggle to comprehend certain terms relating to travel insurance that are included in international travel or overseas travel policy documents.

To make it easier for you, we’ve explained certain important terms and conditions related to overseas travel insurance in this article. Have a look!

Medical history

If you have been diagnosed with any major diseases in the past or are suffering from any medical condition, make sure to mention all the details at the time of purchasing your travel policy. Your claim could be rejected if you don’t do so.

For instance, if you suffer a health problem during your trip that is related to your pre-existing problems, your travel insurance company may deny your claim if you did not disclose your pre-existing conditions when purchasing the policy.

Accident

This term is used in India’s overseas travel insurance to describe an unforeseen event that is caused by something external or visible and results in bodily harm, such as hospitalisation, injury, permanent loss of vision, loss of body part, disablement, or fatality, even if it occurs within a year of the accident.

Your policy start date

The date you begin your journey, not the first day of your vacation, should be the start date of your insurance policy. Many folks often confuse the start date of their insurance policy with the first day of their vacation. If the policyholder has to cancel his vacation in advance, the travel insurance provider may deny his claim for trip cancellation charges, claiming that the policy’s coverage hasn’t yet started.

Cover for adventurous activities

Usually, when travelling abroad, adventure or sporting activities are not covered by travel insurance. And if they do, there are certain terms and conditions associated with it. If you want to do any sporting or adventurous activity on your vacation, do tell your travel insurance provider about the same at the time of purchase and have it included in your coverage.

Don’t be reckless if your belongings are stolen or lost.

Obtain a police complaint and contact your insurance provider as soon as you find your belongings, like passport, luggage, etc., are missing or have been stolen. You may lose your trip insurance claim if you do not do so within a certain time frame. Furthermore, even if you take timely action in the event of theft or loss of your belongings, your travel insurance company may deny your claim if your case looks to be the result of your negligence.

If you are planning to travel abroad and want to buy travel insurance, then you can search for the best insurance brokers near me on Google and other search engines. However, do make sure to get insurance from the best insurance broker.

Also, if you are looking for the best law firm, you can visit “Goulartlegal.com.”

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