Getting travel insurance for family members is a must if you plan to go abroad. The protection provided can shield you from a wide range of unexpected problems, from medical emergencies to last-minute cancellations due to reasons beyond your control.
Any kind of policy, however, has its limitations. Travel insurance for family groups is usually pretty generous, but there are some situations where you may unexpectedly have to foot the bill on your own.
1. Trekking above designated heights - make sure to check your policy on just how high you can go hiking. Some packages will only cover accidents if they occur under a certain height limit, typically below 1,000 metres. If you plan to go trekking past that, then you need to check the contract and see if there is coverage beyond a certain height. You may be able to pay an additional premium so you and your family will be protected when going higher.
2. Scuba diving below designated depths - going deep under water is just as risky - if not more so - than climbing a high mountain. You need to check your contract once more to find out just how far you can go while still being covered. You can typically dive deeper if you are qualified and dive with a qualified instructor, but you will once again have to check your contract to find out your provider's policies on this issue.
3. Going on risky, unplanned excursions - it is very important that you list the adventuring or sporting events you plan to undertake with your family. Travel insurance for family members will typically not cover accidents if they occur while undertaking some sort of extreme sport, spelunking activity or sometimes even horse riding - at least not if you don't pay an additional premium for expanded coverage and you do these activities under the watchful eye of a licensed professional.
4. Incidents related to alcohol misuse - the excessive intake of alcohol could be enough for your insurer to refuse a pay out, which is why it is never a good idea to get smashed while out on holiday with your family. If you must absolutely inebriate yourself, then at least do so in a safe environment where you will be most unlikely to harm yourself or anyone else.
5. Missing Inbound Flights - travel insurance for family members typically covers missed departures from your home country, in this case the UK, if this happens due to events out of your control. You do have to carefully inspect your contract, though, as some providers do not provide for missed flights coming back to the UK. If this is not included in the contract, then chances are you won't be compensated for a missed inbound flight.
Keep all these in mind and you will be able to better balance between budget and protection as you choose between the various providers.
Author : Patrick Chong
0 Response to "When Will Travel Insurance for Family Members Not Pay Out?"
Post a Comment