Travel Accident Insurance Exclusions

Home » Travel Insurance » Travel Accident Insurance Exclusions

Travelers who purchase a cheap insurance policy from comparison websites risk being exposed to situations that are not covered by the insurer. According to the ASDA Financial Services, 48% buy travel accident insurance from a comparison site. In order to purchase a comprehensive plan that offers the protection you want, make sure you read the small print and look for important elements of travel, including acts of terrorism and pandemic illness. Although these events might not seem very common, some companies receive more than 400 flu related claims each summer.

Travel Accident Insurance Exclusions Travel Accident Insurance Exclusions Picture

What does travel accident insurance cover?

Travel accident insurance is different from a normal insurance policy, because it covers only serious bodily injuries and fatalities. Even if every policy has its own specifications, in general accident insurance covers the policyholder or certain members they are traveling with in the event of loss of limbs or sight, death and accidents which lead to permanent disability. Some types of insurance also cover temporary total disablement, temporary partial disablement and permanent partial disablement.

The travel accident insurance can be provided as a stand-alone policy for an individual or a group and as a benefit attached to another product such as a bank account or travel insurance. If the terms of the policy are satisfied, most providers will pay out a lump sum to the policyholder or the beneficiary, in case of death. However, the policyholder’s claim must not fall into any exclusion clause in the policy.

Common exclusions

Travel accident insurance policies usually state that the consumer is not covered if the injury or death is caused by any naturally occurring condition, process or by sickness. Accident policies can protect you only against bodily injury or death. The common exclusion most insurance providers have include acts of terrorism, war, pre-existing medical conditions and illness or injury caused by drug use or alcohol consumption. However, some plans may cover these risks and some even cover pregnancy related expenses if the travel is in the first trimester.

The most frequent complaints from consumers refer to insurance providers that refuse to pay out because they decide the death or bodily injury was not a result of an accident, not solely and directly a result of the accident or the accident only contributed to it. Another reason is that the consumer was not sufficiently disabled or was under the influence of alcoholic substances. Most travel accident insurance policies invalidate claims if medical treatment is needed because of alcohol consumption or substance abuse. While some policies state that they will not cover any claims arising because of alcohol consumption that impaired your judgment, some invalidate claims if you have a blood alcohol content that exceeds 0.19pc.