Travel Insurance Blog
Wednesday, May 16, 2012
- 10
Jun
2010 -
Sam’s Insurance Escapades-IV: Include Exclusions in Your Travel Plan
Filed Under: Blogging
Sam Traveler, our traveler who never leaves home without adequate travel insurance, was visiting India, where the filling of his tooth cavity was lost. He ignored it and his tooth got infected, and within a week, he required root canal treatment. He thought that the international travel insurance he had bought before traveling, would cover it.
While he was getting his tooth fixed, he was informed of some innovative capping options and he decided to have it done as the cost was considerably less than what it would have cost him back home. Since it was for the same tooth, he assumed that it would be covered under the travel insurance policy too.
After his return, he was dismayed to find that not only could he not get money for the capping, but the first visit to have his cavity filling fixed was also not covered in the policy. He went through a frustrating phase when he argued with the insurance company till he realized that he had not understood the conditions before getting the work done on his tooth. The treatment of the tooth was due to normal wear and tear that was not covered in the international travel insurance policy.
There are several such conditions not covered, including travelling against the advice of a physician, piloting or learning to fly an aircraft, emotional, psychological, mental or nervous disorder, and traveling to seek medication for a fatal condition.
Travel tip: If in doubt, call the insurance assistance service to find out if your treatment will be covered by your plan.