Which? reveals common reasons behind rejections for travel insurance claims


Which? has carried out research into the main reasons why travel insurance claims get rejected.

Which? asked over 9,000 of its members about their experiences, and found that out of all of those who had made claims on their travel insurance policies, 10% had been rejected. To put this into perspective, this is almost twice as many as with home insurance claims.

One of the main issues uncovered was when customers made claims after having to cancel their holidays due to the illness or death of a relative. Their claims were sometimes rejected because the insurers stated that the conditions were pre-existing and had to be declared when purchasing the policy. However, Which? found that some insurers demanded that even cousins’ medical conditions are declared, which it says is unreasonable.

Another area of concern were claims for lost or stolen items. Many insures rejected claims because the items were not reported stolen to police within 24 hours, and Which? suggested that this was often unreasonable.

Yet another problem area was cancelled flights, where insurers sometimes refuse to pay for the taxes, which can be very expensive. Customers are often asked to get their taxes back from airlines, where admin fees can be large.

This is all very worrying, especially when we are constantly reminded how important it is to buy travel insurance before going abroad. If people feel that they are getting their claims rejected unfairly, this will only increase the likelihood that more people will skip purchasing travel insurance altogether, which could have devastating consequences for the travellers should they require medical treatment abroad. Which? advices that all travellers check the terms and conditions of their travel insurance policies very carefully before making a purchase to ensure that they know exactly what is covered.


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