You are already logged in.

Sign In


Not a member? Sign Up

Things We Do That Get A Claim Refused

How To Void Travel Insurance


Most of us want to enjoy our travels and part of this enjoyment is travelling with some peace of mind such as being covered for potentially expensive outcomes when we travel abroad – especially for issues such as legal and medical expenses.  The majority of us would actually do the sensible thing and take out a travel insurance policy before we go. However, unfortunately very few people may realise how easy it is to void an insurance policy or invalidating a claim.


Did you know, for example, that some insurance policies will exclude claims if it is determined you had been drinking alcohol and that it may have contributed to the incident which resulted in a claim? Whether you were actually inebriated or even only mildly effected by your alcohol consumption would not be the question; insurance companies may refuse to pay out medical bills if it is ascertain that alcohol was involved.


23 Questions You Should Ask About Travel Insurance - The Wise Traveller 

Then there are the ‘broad’ definitions which are commonly used in policy documents such as “dangerous activities” . Of course, we can all use our own common sense here and work out which activities may be described as dangerous: abseiling and bungee-jumping etc.; yet, there are many popular activities that are determined to be dangerous by insurers and catch claimants every year.


Foremost amongst these are activities like banana-boat riding, paragliding and popular the very popular jet ski rental. Many travellers would think nothing at all about hiring a jet ski for an hour of fun and may well be shocked to find out that the insurance refuses a claim on the basis that it was a dangerous activity. This would apply to the quad bike riding as well.  And if you are riding a motorcycle say in Thailand and you have an accident without having a motorcycle license or wearing a helmet then be prepared to pay your own medical bills.


So, the most important take away is to know what you are and are not covered for and if you do intend to do something more adventurous than sitting on a tour bus or by the swimming pool check directly with your insurer. And if you are a person who loves to undertake more extreme activities, make sure you take out appropriate cover for those activities as standard travel cover will rarely be enough.



Join The Wise Traveller 

Also On The Wise Traveller

Travel Tips For All Wise Travellers Shocking Facts About The USA - The Wise Traveller - Travel. Live. Learn. What Happens To Your Taste Buds When You Fly - The Wise Traveller - Travel. Live. Learn.
Coolest Jobs When Travelling - The Wise Traveller - Travel. Live. Learn. 20 Secrect Travel Hacks - The Wise Traveller - Travel. Live. Learn. 18 Tips To Free Accommodation When Travelling - The Wise Traveller - Travel. Live. Learn.


Wise Traveller  | May 06, 2015
Categories : Travel Tips
Tags : Stay Secure, Travel Insurance
Only registered users may post comments.
There are currently no comments, be the first to post one.

Top Travel Insurance Claims

Travel insurance claims are made for numerous mishaps, accidents ...
Read More ›

Travel Insurance Must Knows

Do you know everything that you need to know about Travel Insuran...
Read More ›

7 Tips For Safer Business Travel

The more you travel the more relaxed you become.  Safety is ...
Read More ›

Night Out Must Haves

When travelling what are the things you should be carrying with y...
Read More ›