Common Misconceptions about Travel Insurance | JS Insurance


Common Misconceptions about Travel Insurance

The Travel Insurance industry is shrouded in misconceptions. Since Travel Insurance policies are often extensive and complex, most travellers don’t have the time to read through all the documentation provided.


That is why the first issues in interaction with a Travel Insurance company usually arise only when something happens, and it’s time to make a claim.

To be more prepared and well-informed about Travel Insurance, we have provided some examples of myths and misconceptions about Travel Insurance below:

Nothing is Going to Happen

Living life as an optimist that doesn’t worry about the future is solid advice, but it shouldn’t be applied to travelling and taking out Travel Insurance.

Until something happens, most people think that accidents or illness “happen to other people” and that you’ll have a relaxing holiday like always.

However, accidents or illnesses happen to everyone. If you have never had an accident or are taken ill whilst travelling, that is not a good reason not to take out a Travel Insurance policy. Of course, you shouldn’t let thinking about a possible accident or illness ruin your trip, but if you’re well-covered, you won’t be thinking about potential accidents or conditions!

Just ask someone you know who had an accident or been ill on their travels and ask how glad they are that they took out Travel Insurance or how regretful they would have been had they not!

My Primary Insurance Will Cover Everything

One of the myths and misconceptions related to the first one is that people assume their primary health insurance will cover anything that happens abroad. This may be true in a small number of specific cases, but you will usually have to supplement your domestic Health Insurance with Travel Insurance. This is especially true if you are participating in any Sports or Activities.

“Regarding health-related incidents, if you visit another EU country, you can use your GHIC card for free emergency medical treatment. In all other cases, you will have to pay additionally to get medical help, and these amounts can be quite hefty, especially if you are in an expensive country”, says Melanie Jones, a manager at IsAccurate responsible for organising conference travel for team members.

Travel Insurance Claims Are Slow And Difficult

Many travellers think receiving a positive response to your Travel Insurance claim takes ages. This can be the case in some complex claims, but most Travel Insurance companies will handle your claim swiftly and effectively, especially if you provide clear explanations with evidence.

Suppose you need help writing up a Travel Insurance claim. In that case, you can use the service of professional writers from TrustMyPaper (a platform of writers that work on demand), GrabMyEssay (a website where you can find claim writers), BestEssayEducation (a writer portal for hiring professionals) or AirHelp (a legal service that files Airline claims for you). Professionals at Writing Judge can help you find the proper writing service.

My Airline Will Cover All Flight-Related Incidents

Just like Travel Insurance, travellers usually don’t take the time to read through the Airline’s Terms and Conditions. That is why many are surprised that they are not eligible for a refund or a partial refund if a flight is delayed outside of the Airline’s control.

Suppose you take out a travel insurance policy. In that case, you will be protected in some instances from flight-related incidents that can affect your travels, from cancelled and delayed flights to lost luggage or damaged personal possessions.

This is one of the most valuable benefits of a Travel Insurance policy, which can help you financially break even after your flight schedule falls through.

All Travel Insurance Packages Are Similar

Even though most basic policies feature more or less the same cover, some differences exist.

It’s worth your time to research different policies and cover them; also good to keep in mind that if you have a pre-existing medical condition, this will need to be considered when purchasing a policy.

Researching and taking out Travel Insurance is not the most exciting part of planning a holiday or trip. Still, if you invest some time to pick a policy carefully, you can save money and ultimately get better coverage and terms.

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