As the temperature begins to drop, several Canadians will prepare to take flight and escape the cold winter. However, before you start packing for your trip, it is very important that you take measures to protect yourself while away.
The purpose of travel insurance is to have you covered in unexpected medical emergencies. Canadians, fortunately, have access to free healthcare, however, a trip to a hospital in another country can cost a fortune. In some cases, the medical fees are downright unaffordable.
Whereas you booked a trip to relax, you now find yourself in a financial dilemma instead.
Travel insurance is intended to cover you in these “what if” situations. However, it is extremely important to be mindful of the limitations of your travel insurance policy prior to purchasing it. Be sure to ask questions about what is covered and any exclusions/conditions.
Also, be mindful of three scenarios in which an insurance company may deny a claim:
- The medical emergency is related to a pre-existing condition;
- There is another exclusion in the policy that negates coverage; and
- You made a “material misrepresentation’ when you completed the application form (providing inaccurate information during the application process).
Getting injured or sick while on vacation is frustrating enough without the added complication of having to make a claim against your travel insurance company.If you, or someone you know, have been denied a claim under a travel insurance policy, contact the lawyers at JEWELL RADIMISIS JORGE LL.P. for a free consultation.