Denied Travel Insurance Claims
From family vacations to overseas trips to honeymoons and holidays, vacations are one of life’s greatest pleasures. Often lots of meticulous planning goes into a trip, but unexpected events can hinder the best-laid plans like anything else in life.
Travel insurance is one way travelers get needed peace of mind to protect their investment while making important memories with their family. It is meant to offset risks and potential financial losses that might happen en route or during the vacation.
Sources show that it is customary to pay approximately five to 10 percent of your trip cost for travel insurance. Like any other insurance policy, it is only worth the price tag if your provider delivers on the terms of coverage. Unfortunately, travel insurers may sometimes deny, reject, or underpay a travel insurance claim for various reasons, leaving travelers stuck with unnecessary expenses.
If you live in Wisconsin, Illinois, or Minnesota and your travel insurance claim was denied, you may be able to fight back through filing an insurance dispute lawsuit. A travel insurance lawyer with Wallace Law can help you understand what your travel insurance policy covered, if your insurance claim was underpaid or wrongly denied, and how to take matters into your own hands if an insurer unjustly refuses to pay their fair share.
What Does Travel Insurance Usually Cover?
Travel mishaps are more common than you think. Some unexpected issues travelers run into include flight and bag delays, airplane postponements, medical emergencies, and many other interruptions. For example, more than 20 percent of flights were delayed in 2022.
To help with unforeseen and costly travel incidents, basic policies usually cover delays, cancellations due to sickness or death, lost luggage, and select emergency medical situations and related costs. Comprehensive policies can take it a step further and offer 24-hour traveler assistance, protection against trip disruptions, emergency evacuation, accidental death benefits, and more.
Take a trip cancellation, for example. If you have to cancel due to illness or injury, and your policy covers it, you are likely entitled to a reimbursement if it aligns with the terms and conditions. If an insurer denies, rejects, or underpays a claim despite the coverage, it is time to consider hiring an insurance dispute attorney to help recover your losses.
Wallace Law can help you fight back against a wrongly denied travel insurance claim and poor business practices that exploit travelers every day.
The Fine Print and Travel Insurance Exclusions
A good travel insurance policy will cover basic travel coverage and offer protection for personal belongings, flight cancellations and delays, medical emergencies, and related expenses. Comprehensive travel policies offer travelers more than limited coverage, especially regarding medical needs. While more expensive, these plans are usually more flexible, too.
With any travel insurance plan, there are always exclusions to consider. Most plans do not cover the following:
- Injuries related to extreme sports or activities
- Pre-existing health conditions or illnesses and further injury
- Alcohol or drug abuse
- Illegal acts
- Travel advisories
- Self-inflicted injuries
Regarding exclusions, another thing to pay close attention to is trip cancellations and refunds, whether you have a basic or comprehensive plan. These can cause some strife as reasons for cancellation must align with the insurer’s definition of “covered reasons” under the policy terms. This is often why claims get denied quickly, and travelers lose out on money.
With any insurance policy, the fine print is important, and there are always exclusions and limitations. You can lean on a knowledgeable broker to avoid travel insurance buyer’s remorse and pick a plan that best suits your needs.
Tips for Purchasing Travel Insurance
Cost is usually the number one reason travelers do not purchase insurance. Vacations are expensive, and travel insurance does not come cheap either.
According to the U.S. Travel Insurance Association, some people are more open to purchasing travel insurance for overseas trips, when going on a cruise, or if they have considerable pre-paid or non-refundable expenses involved.
If you are considering travel insurance, these guidelines can help you find the right policy and protect yourself from unnecessary issues:
- Review the fine print, including specific terms and conditions, reasons for cancellation, and exclusions
- Ensure the policy covers the duration of your trip, from start to finish
- Include an exhaustive list of personal items, electronics, and other possessions you want covered
- Review travel activities to ensure coverage applies, especially if you plan on engaging in potentially dangerous sports like boating, skiing, hunting, or similar activities
- Provide the insurer with a list of any pre-existing medical conditions
- Discuss basic versus comprehensive coverage and events, such as pandemics or epidemics
It is important to research travel insurance carriers and shop for different policies for coverage options. If you are facing issues with a travel claim, our attorneys can review your policy and investigate the insurer on your behalf.
Handling Rejected or Underpaid Travel Insurance Claims
Traveling is unpredictable, much like life. As such, people buy travel insurance coverage in case something bad happens unexpectedly. It is unfortunate, however, when travel insurers blatantly abuse policy agreements and refuse payouts when consumers are entitled to reimbursement. Put simply, you do not purchase insurance to have a claim denied later when you need it most.
There are different tactics travel insurers may use to accomplish this. These might include:
- Issuing denials based on the cancellation reason or purpose
- Delivering rejections based on failing to meet the definition of a covered event
- Intentionally delaying payment
- Offering a smaller reimbursement than what the claim may actually be worth
Many consumers walk away believing the insurance company is right and lose out on the benefits they are entitled to. Sometimes the only effective way to handle a travel insurance denial and an unethical insurer is to speak with an experienced travel insurance dispute lawyer.
There is always another way. Wallace Law can take on your insurance company and help get your travel claim paid when your insurer is delaying your payment for the wrong reasons.
Travel Insurance Dispute? Fight Back With a Travel Insurance Claim Lawyer
Insurance claims get denied every day. Sometimes it is because of policyholder error, coverage restrictions, errors, or lack of documentation. In other cases, insurers might engage in shady, bad-faith claims practices that leave millions of people stranded without travel insurance benefits and in financial stress.
When it comes to travel insurance or any insurance dispute, for that matter, there is always a difference between reasonable and unreasonable claims rejection. A fair and full reimbursement for your travel claim is rightfully yours if the insurer refuses to deliver on the legitimate terms of coverage. There is no excuse for unreasonable denial of benefits, and your reimbursement matters, whether it is $500 or $5,000.
Your losses matter to us, too. Our efforts at Wallace Law are devoted solely to helping travelers and consumers fight back against unfair insurance disputes and wrongfully denied, rejected, or delayed claims. The proof is in the pudding, as we have helped many clients recover losses and gain significant settlements from various insurance dispute claims.
Whatever the reason for your delayed, rejected, or denied travel insurance claim, we always get to the bottom of it. Get clarity on your travel claim by booking a free consultation with Wallace Law today.