What Your Visitor Care Insurance Might Not Cover
Visitor care insurance is one of the most important things that you should have in time for your vacation. Accidents and illnesses can happen while you're on a trip and it's best that you are prepared for such scenarios by getting this type of policy. However, take note that just because you're ensured, it doesn't automatically mean that you are 100 percent secured. No policy can cover all the possible risks and dangers.
In fact, there are plenty of things that many policies don't cover. It's wise that along with the things included in the coverage, you also get to know those that won't be covered so you won't be surprised when you find out in the middle of your medical treatment that your insurer isn't paying for it. Here are some of those that are typically not covered by visitor care insurance.
Trip cancellation
Even if you've bought a trip cancellation policy, there are certain aspects of it that won't be covered by your insurer. For one, your insurer won't pay for the expenses if the travel is canceled by the tour operator. For this, you'll be advised to ask the tour operator for your money back since he/she is the one liable for the cancellation.
If there's war, riot, civil commotion or terrorism happening in your travel destination and you decide to cancel because of that, your insurer won't shoulder your costs. Because of this, it's important that you avoid traveling to areas where such events are widely prevalent.
Another event that insurers won't cover for is the death or illness of a pet. If you're an animal lover who doesn't have the heart to go on a trip knowing that your pet is sick or had died, don't expect the company to have the same level of compassion. Psychological problems, divorce before the trip, pandemics, outbreak of diseases, visa refusal, and natural disasters are other things that are commonly excluded in the trip cancellation coverage of most policies.
Health problems and injuries
Most ailments and injuries are covered in visitor insurance. However, certain things are not covered such as pre-existing conditions. Most policies refuse to shoulder expenses of medical treatments related to conditions that you already have prior to the trip. For example, if you have asthma, and you have asthma attack during your trip that would require hospitalization, the insurance company won't take care of that.
Insurers also don't usually cover extreme sports, unless you get a policy specially designed for such purpose namely, the adventure insurance policy. When it comes to childbirth or pregnancy problems, only certain conditions are insured by a company so you need to read the fine print on this one carefully. Moreover, you also won't be covered for illnesses and injuries that are caused by working activities, excessive drinking, and sexual behavior.
Others
Apart from all these, most insurers also don't cover for baggage loss that has only been less than 24 hours, loss of damage to keys, documents, tickets, credit cards, money, and other personal items, and flight problems that arises due to terrorism and security threats.
About the Author
For more tips and information about expatriate health insurance please visit: http://www.iexpatriatehealthinsurance.com/expatriate-life-insurance/
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