You will be the last person who may want anything bad to happen while you are on vacation. However, if it happens by all chance, visitor insurance can help cover your expenses relating to a medical emergency on a canceled or interrupted trip unless your claim is denied.
The good news is, as long as you fully realize the workings of your insurance policy, there is no need to fear an unexpected surprise from your insurer. In order to help gain confidence, let’s know and explain three main reasons why someone’s insurance claim might be denied.
#1: Because your claim was related to a pre-existing condition
Simply put, a pre-existing condition is a medical condition that you were already suffering from at the time you applied for your insurance. Compensation will not be offered by many visitor insurance policies for any claims relating to a pre-existing condition. With that being said, there are some specialized Canada visitor insurance plans on the market that tends to cover pre-existing conditions under certain circumstances. Check with the Travelance Premier Canada Visitor Insurance Plan.
#2: Because your medical status changed before you traveled
Based on your health status as described on your application, the visitor insurance was approved. If there is a change in your health before the date when your travel starts, you are bound to report the change to the insurer. Else, your claim stands canceled on the ground of inaccurate data. However, there are many travelers who do not try to understand that it applies to both minor changes and major changes. Take for example of a change in prescription medication. And that you need to report even if your doctor is advising you to switch you from one brand of a drug to another.
#3: Because there was information missing from your insurance application
Even if you had a pre-existing condition that you thought had absolutely nothing to do with your insurance claim, your reimbursement or claim submission will be denied on the ground of the lack of disclosure. And that claim will be invalidated.
It is worth noting that claims of the Canada visitor insurance are denied on the real, transparent ground that you can get to see as terms and conditions with every insurance provider’s insurance copy. So, make sure to read those copies carefully and follow the instructions verbatim.
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