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From AARP's Peter Greenberg
Unholy smoke: Travel insurance may not cover 'acts of God' Irish Independent
06.05.10
YOU would be forgiven for being confused about whether you can claim on your travel insurance because of the travel chaos caused by the recent Icelandic volcanic ash, or if a policy would cover you if an event like it happened again.
Brokers here say that insurers are refusing, in most cases, to cover claims resulting from the volcanic ash disruption because they are interpreting the event as an 'act of God'.
"Insurers are currently referring to this situation as an act of God, and not adverse weather," said Ciaran Phelan of the Irish Brokers' Association .
"Therefore, there is a strong likelihood that many consumers will not be covered."
Brokers add that many policies will also not cover the grounding of aircraft by civil aviation authorities.
This means that losses for booked accommodation, car rental and so on will not be covered.
However, Mr Phelan says some insurers have, as a gesture of goodwill, decided to regard the event as adverse weather and "pay reasonable claims where every effort has been made by the insured to minimise the loss and where their outlay cannot be recovered from any other source such as airlines and hotels".
Source:
EXCLUSIONS OF TRAVEL HEALTH INSURANCE
Isn’t it a thrilling experience to travel abroad? We are sure it is. But what will happen if suddenly a family member of yours falls sick or meets with an accident while traveling overseas? And on top of this mishap you are informed that your travelers medical insurance policy doesn’t cover you against such medical expenses incurred by you!! Won’t that be awful for you?
You might think that you are secured against such medical emergencies by your travel insurance online policy. However, there are some clauses which are attached to every insurance policy that you purchase. There is high chance that you might overlook these clauses. However, for your own interest and safety, it is absolutely necessary for you to know what exactly your policy will and will not cover for.
If you have pre-existing medical conditions then it will not be accommodated by your travel insurance online. Such conditions include pregnancy and related conditions, dental or medical conditions for which you are undergoing treatment, surgical or medical condition for which you are under treatment. Anxiety, mental disorder, depression, traveling against the consent of your doctor is also considered as exclusion by travelers’ medical insurance.
Medical tourism also falls under the category of exclusion. If you are going international for receiving a particular medical treatment, for example cosmetics surgery or a surgery of similar nature, then your medical insurance for travel will not cover you against your medical expenses.
Other circumstances that are excluded from travel insurance online coverage are war or war-like situations, epidemics, natural disasters, nuclear attacks etc. These are a few of the most general exclusions of all travel insurance online policies which are offered.
High risk sports also qualify the exclusion list. So if you meet with a accident while you are busy skydiving, parachuting, bungee jumping, mountaineering, skiing, riding in races, caving etc then your travel insurance online will not cover you against any such expenses. However, some policies cover travelers’ against such risky sports. This facility is available by paying an extra premium, besides having an extra rider.
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