VisitorsCoverage logo
Travel Insurance

Top 5 Reasons Travel Insurance Claims Are Denied

Top 5 Reasons Travel Insurance Claims Are Denied

When a travel insurance provider denies a claim, the insured traveler may feel a little baffled and maybe even resentful. After all, the traveler purchased the insurance plan expecting to be covered for medical care and, understandably, they want their claim paid.

Unfortunately, some travelers buy travel insurance expecting to be covered for anything that goes wrong on their trip. That’s not how insurance works. Knowing what causes travel medical insurance claims to be denied is one of the best travel tips we can give you. Here are the top reasons travel medical insurance claims are denied (and what you can do about it):

1. Your claim was denied because the service you’re claiming is not covered.

What travel insurance plans cover is specifically listed in each plan. If you make a claim without having appropriate coverage, your claim will be denied.

How to avoid this mistake: Read the plan’s description of coverage so you understand what’s covered and what’s not before you purchase a policy.

2. Your claim lacked supporting documentation.

You can’t expect the insurance company to take your word for what happened on your trip – you have to provide some evidence. When you make a claim on your travel insurance plan, you’ll need to have supporting documentation to back up your claim. This means receipts, doctor’s notes, memos, bills etc.

How to avoid this mistake: Submit copies of bills, receipts, doctor’s notes and contact information with your claims form. Make copies for your records. That way if documentation gets lost in the transfer, you’ll have extra copies on hand.

3. Your claim is excluded by the plan.

Travel insurance, like all insurance, has a list of exclusions that limit what the insurance provider will pay out when a medical event occurs. Pre-existing medical conditions, for example, are excluded from nearly all travel medical insurance plans and if the traveler fails to disclose their condition, their claim may be denied.

How to avoid this mistake: Carefully read the travel insurance plan fine print and make sure you understand the complicated terminology. You can contact our Customer Success Team for any clarification you might need.

4. Your claim was submitted too late.

Travel medical insurance claims must be submitted soon after the travel incident causing the claim occurs. If there is a delay, your claim might be denied.

How to avoid this mistake: When you incur an injury or illness and expect to make a claim, call your medical insurance provider to find out when your claim should be filed. (Hint: this is a great time to ask what supporting documentation you might need to support your claim too.)

5. You purchased the plan too late.

Many travel insurance plans require a traveler to purchase their policy within a certain number of days after making their initial trip deposit. If you buy travel insurance for a trip that’s already underway, your claims could be denied.

How to avoid this mistake: Don’t wait until the last minute to purchase your travel insurance. When you book your flight and make hotel arrangements add one more task to your to-do list and buy travel insurance right then and there.

Just like any other type of insurance, it’s important to read the plan document to fully understand your coverage. If something happens on your trip, refer to your travel medical insurance’s plan document for details about whether you’re covered and what you can expect to claim from the provider.

To learn more about how to file a claim, check out our article: How to File an Insurance Claim.

Related Articles

Can Layoffs Affect Your Health Insurance?

We’re all worried about the recent direction the U.S. economy has taken. Now, not only…

Return Of Mortal Remains/Repatriation- An Essential Benefit

Repatriation is a term that means ‘return of mortal remains’ and it’s a must-have feature…

Pre-certification: What, When & Why

Let’s get familiar with the term and process known as “pre-certification” to avoid any claim…

Will My Health Insurance Cover Me When I Travel Abroad?

Unfortunately, most domestic health insurance policies don’t provide coverage outside your home country. In general,…

Whitewater River Rafting

Floating downstream through rock-strewn rapids, past breath-taking scenery, whitewater rafting is a popular outdoor thrill…

Infographics: Average Cost of Medical Services in the USA

For those who have never received medical care in the United States, the reality of…

Why is Europe Travel Plus the Best Insurance for Europe?

*Updated July 28, 2021 From the glittering lights of the Eiffel Tower to the awe-inspiring…

Plan Updates: The Liaison Series is Now Better Than Ever

The popular Liaison Series from Seven Corners is new and improved! As of April 30,…

What is Return of Mortal Remains or Repatriation Coverage?
US-European Coronavirus Travel Ban

*Updated March 24, 2020 The United States announced a travel restriction, banning international travelers from…

Don’t Forget to Renew Travel Insurance Policies During the Coronavirus Outbreak

The COVID-19 pandemic has upended the plans of people around the world, particularly when it…

5 Reasons You Should Purchase Family Travel Insurance

There’s nothing like the excitement of a family trip. Whether you’re heading on a short…

Can Travel Insurance Cover Your Vacation Home Rental?

So, you’ve scoured the internet and booked the summer vacation home of your dreams. Before…

ETIAS Visa Waiver: Everything You Need to Know

Europe is one of the most-visited regions in the world. Travelers from all over the…

What Is Accident & Sickness Insurance?

When we travel abroad, our domestic health insurance won’t usually cover us. This is what…


Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.