Travel Insurance Claims Advice
Travel Insurance Claims Advice
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A travel insurance need to know
In general terms, travel insurance protects all holiday costs against adverse events such as cancellation and interruption and also reimburses medical expenses, the loss or damage of property and transit delays. Travellers are compensated if they have to cancel or interrupt their travel, they will also be covered should they need emergency medical treatment, medical evacuation and other situations.
Many millions of travellers and holiday makers every year purchase some form of travel insurance, but few people know really what it is and how it can be defined. If you know what is included, and what is not you will be able to make the most of your protection.
There are four main categories of travel insurance:
1. Delays and cancellation – including curtailment
Delay: This reimburses travellers for hotel, food or clothing expenses in the event of a flight delay. Some plans also cover costs associated with catching up with a cruise should another delay cause the traveller to miss embarkation. Cancellation: Reimbursement comes into effect if travellers have booked and paid for a holiday, but are unable to embark because of personal illness or injury, death (of the individual or of a family member), adverse weather conditions, airline strikes, terrorism, bankruptcy, sudden unemployment, jury duty or by sustaining serious damage to their home causing it to be uninhabitable due to fire or flooding. Interruption: Insurance companies pay money to policy holders abroad if they have to cut short their trip due to illness, death (of the traveller or a family member), terrorism, weather, airline strikes, bankruptcy, sudden unemployment, and other adverse conditions which mean that, due to events outside the control of the holiday-maker, a trip has to be curtailed.
2. Health and Medical reasons
Medical evacuation: This provides emergency transportation to either a local hospital in the event that the traveller is unable to get there by themselves or back to a hospital near the traveller’s home town. If family members are covered on the same policy they can travel back home also. Medical and health reasons: This reimburses medical and emergency dental costs. Almost all travel insurance plans work by reimbursing the traveller after they have paid locally for treatment. Claims are usually paid within 7 – 10 days. Pre-existing conditions are covered by most policies if the policy is purchased within (at the most) 21 days from the date the traveller made the first payment or deposit.
3. Death of travellers:
Accidental death – covers death or dismemberment at any time of your trip. Usually provides the lowest amount of coverage due to a higher risk Air Flight accident – this covers death or dismemberment during an air flight only. Usually provides the highest amount of coverage due to fairly low likelihood of this occurring. Common carrier – Covers death or dismemberment while travelling on public transport such as a plane, ferry, train bus or taxi.
4. Personal effects: Loss or damage
Baggage loss – reimburses travellers for lost, stolen or damaged personal items. This coverage is usually restricted to the duration of the trip and not confined to baggage damaged or lost by the airline. There are two policy limits, total claim and per item maximum. Some policies also place limits on the type of items that can be claimed for – such as precious jewellery, laptops and sporting goods Rental Car damage – Reimburses travellers for damage or loss to a rental vehicle. It is designed to allow the traveller to decline collision damage waiver (CDW) coverage offered by the car rental companies. Liability coverage should still be purchased through the car rental company. Rental Car Damage coverage is also often included with the credit card used to pay for the car rental which is often matches the coverage provided in the policy. Assistance services – provides a 24-hour collect telephonel advice and assistance service to travellers. This service can be used anytime a traveller needs advice. Make sure you don’t leave home without it.
To conclude
Travel Insurance is the one product in the modern risk averse, insurance-saturated world that really is essential. You will not regret taking it out, because not being insured for your travel mishaps is a source of huge regret for far too many holiday-makers every year.
About the Author
Don’t leave home without the all important trio of tickets, money, passport, plus your toothbrush, and a travel insurance policy!
www.holidayinsuranceweb.com”
Are my settlement payment needs reasonable?
I was hit by someone who ran a stop sign. The car was totaled and I’m going to the chiro.
This is what I’m asking for in my settlement amount. the amount my insurance has paid for chiro, the amount I’m paying and will pay for chiro treatments, (gladly would agree to send quartely exrays and reports so his insurance doesn’t think I’m trying to get free medical off him), the missed hours from work ( had to go from full time to part time hourly) Not sure If I can claim the money I spent traveling to the appointments since I would of spent the same money if I was communting to work.
I have the chiro payment records. I have a letter from my manager stating that he placed me as a part time because I was not able to work the hours he needed and he needed the hours to be able to hire a full time. (only from sept 07 – mar 08) I have a letter from my chiro stating he has me on a at home treatment and still sees me once a month to review my progress.
Any advice welcome. Thanks
It is a little too reasonable, actually. Your insurance company may have a lien against any money you collect for chiro services they paid for. So make sure you ask your lawyer about that and have him/her check your policy. If you get an award or settle a case based at least partly on this amount, you may have to pay back your carrier.
But you forgot to add an amount for pain and suffering, and loss of enjoyment of life. Very clearly, you no longer are living a life free of pain, you probably can’t do all the things you used to do before the accident, and you now have limitations. You probably will suffer loss of future earnings as well. I would suggest checking a jury verdict reporter for the jurisdiction you are in. See what juries have awarded to people who have suffered the same injuries as you, and that will provide a good benchmark from which you can formulate a base settlement demand before adding actual out of pocket costs and lost earnings.
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