As many individuals are now planning their year-end vacation travel, it is maybe time to make them aware of the much less apparent phrases and situations of most travel insurance insurance policies.
First, not all flight delays are covered. People sometimes suppose that any flight delay could be covered below the travel insurance coverage.
I learnt not too long ago that even when a traveller buys a travel insurance coverage along with the flight reserving, and there are modifications to the booked flight leading to a flight departing greater than six hours later than the unique itinerary, the insurance firm might not cowl the flight delay.
Second, demise from an accident wants different supporting documents (that will not have been specified) moreover the demise certificates to be claimable.
The insurer would require further documents similar to a police report, autopsy and toxicology report, and a coroner’s report to determine that the trigger of demise was an accident and not triggered by medical situations or the affect of alcohol or prohibited substances.
These are along with a demise certificates (licensed by a notary public) and a letter from the Immigration and Checkpoints Authority (required for abroad deaths) to course of an unintended demise declare. In some conditions, it’d take months for the coroner’s inquest and the ultimate discovering to be accomplished.
Most folks will not be aware of such necessities and uncover them solely throughout essentially the most tough time, compounding their grief.
Applying for travel insurance is straightforward. The actual take a look at of how good an insurer is depends upon its customer support and, most significantly, its declare course of (ease of submitting a declare, evaluation time, evaluation final result and settlement time).
Andrew Tan Kok Chua
