Travelling is exciting, whether it is for a holiday, work, or study. While booking flights and hotels is fun, getting travel insurance for trip often feels like just another task to tick off the list. Most people buy it without reading the details, but that is where the problem begins.
Travel health insurance may look simple on the surface, but hidden clauses in the policy can lead to claim rejections later. These are not always clearly explained, and many travellers only find out about them when it is too late.
Here are some common hidden clauses you should know about before you buy a travel health insurance policy:
1.Pre-existing illnesses may not be covered
If you already have a health condition, like diabetes, asthma, high blood pressure, etc., it may not be covered by your travel insurance for trip. If you face any health issue abroad related to this condition, your claim might be denied. Some insurers, like Chola MS, offer plans that can include such health conditions with add-on covers. It is always better to check before you travel.
2.No cover for adventure sports injuries
Planning to try activities like skiing, scuba diving, or mountain biking? These may not be included in standard travel policies. Any injury during such activities might not be covered unless your policy clearly includes it. That is why it is advisable to always check with your travel insurance provider whether you need a special add-on for adventure sports.
3.Claims under alcohol or drug influence are often rejected
Many travellers enjoy trying local drinks while exploring new places. But if something goes wrong, like an accident or injury, while you are under the influence of alcohol or drugs, your travel insurance for trip may not cover the related costs. This is a standard exclusion in most policies. That is why it is important to always drink responsibly if one cannot avoid it. Avoid consuming alcohol or drugs before doing anything that requires focus, like driving or adventure activities. Staying alert not only keeps you safe but also ensures your insurance stays valid if something unexpected happens.
4.Visiting High-Risk Places Can Cancel Your Insurance Coverage
If you travel to a place that has been officially marked as unsafe due to war, unrest, natural disasters, or health alerts, your travel insurance for trip may not cover any claims made during your stay. These advisories are usually issued by government bodies or international travel authorities. Before booking your trip, check for official travel warnings. If a destination has been marked unsafe, it is better to postpone or choose another place. Travelling against advice could leave you without coverage when you need it most.
5.Loss of Unattended Valuables May Not Be Covered
Losing important items like your passport, camera, laptop, jewellery, etc., during a trip can be stressful. But if these belongings were left unattended, even for a short time, there is a high chance your travel insurance may not cover the loss. Most policies clearly state that unsupervised valuables are not eligible for claims. That is why it is important to always keep your valuables with you or store them in a secure place, like a hotel safe or locker. Avoid leaving them unattended in public areas. Some insurers also offer add-on covers for high-value items, so check if that is available when choosing your plan.
Conclusion
Buying travel insurance for trip is smart, but understanding the details is even smarter. A few minutes spent reading the policy before you buy travel insurance can save you from stress and unexpected costs later. With Chola MS Travel Insurance, you get flexible plans, reliable support, and the option to customise coverage as per your needs.
Choose your plan wisely, stay informed, and enjoy your trip with peace of mind.
