Travel insurance does not always cover

It's that time of year again when the sun smiles at us, the school is out and the vast world of travel is just a flight away.

So you're researching vacation options. You book a flight. You reserve a hotel room. And last but not least, call an insurance agent to get an appropriate travel policy.

"Ah," you think to yourself. "I'm covered from all sides."

Not so fast, sir or ma'am!

While others like you see the insurance they buy as a reassurance ticket, this is not always the case.

Not every loss scenario you can imagine will be covered.

This article addresses problems that can occur if you do not plan ahead or inform yourself about insurance issues.

Some cases where the travel insurance does not cover any damages

1. If you think you are smart in taking out travel insurance while you hear about a future storm on the radio, think again. A travel policy does not apply to the cancellation of your trip after the release of storm information.

2. Imagine that travel insurance compensates for normal problems, so stop dreaming. Your insurance does not compensate you for everyday inconvenience or lack of enjoyment.

3. Do not plan to hedge losses that you can not prove. You must provide a proof of purchase so that your loss can be proven.

4. Note that your insurance policy is unlikely to provide cover for incidents that occurred while under the influence of alcohol or drugs.

5. Contact your doctor before traveling, or you may not receive health insurance as part of your travel insurance. Failure to prove that you were in good health before completing the plan can lead to insurance problems if you need medical care on holiday.

6. Do not assume that all activities you participate in are covered by your itinerary. If you get hurt while engaging in something that the insurance company deems to be dangerous, you may not be reimbursed. Review your policy to determine what your insurer's activities are and which are considered dangerous.

Travel insurance, like any form of compensation, has limits and deductibles and exclusions. You owe it to yourself and your holiday to do the right research before the match. Speaking to an experienced independent agent will help you decide which policy is best for you and how you can avoid being denied the right to claim it.