• As
pointed out before, there are insurance carriers that simply do not offer cover
for a previous health condition in any domain abroad.
• In case
you are already suffering from a condition preceding your departure (like
Asthma) and are already diagnosed with it, your insurer will refuse to
alleviate any related medical bill incurred overseas.
• If you
are declared perfectly fit to voyage after getting an OK from the doctor that
the condition is under control, then you do have the right to get expenses due
to any sudden medical emergency reimbursed.
• Your
thrill-seeking nature can gift you with a wealth of experience and tales. But
insurance firms generally do not look kindly on it. Taking part in heavy-risky
activities and extreme sports such as bike stunts, skydiving, aqua sports and
more are certainly out of the list unless you are willing to pay additional
premium for it.
• You know
a war is going on in the place or it is rife with political unrest. Most
insurance firms will flatly refuse covers for any kind of harm or injury
because you chose to go to an imperilled war zone.
• Every
policy comes with a specific period attached to it. If the incident due to
which you are making a claim happened in the said time frame, there is nothing
to fear. Else it is rejection. Also, prices of policies vary according to the
tenure you select.
• Suicide,
attempt to suicide or self-inflicted injuries – Insurance companies show no
mercy if there is slightest evidence towards any or more of these three when
cross checking a customer’s claim. No matter what kind of insurance or where
you buy it from, these reasons are solid exclusions.
• For
some, a trip overseas is unimaginable without some doze of intoxication. How heavy
that intoxication is and what trouble you are likely to get into while in that
state is the question here. Drunk driving, getting into a spot of fix with the
law etc. in such a state will never be covered by any policy let alone a Schengen
Travel Insurance.
In the Schengen Visa Itinerary also, we have the Flight
Itinerary, Hotel Booking
and the best Travel Insurance services are there.
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