When submitting a claim for travel insurance, it is usually due to an unfortunate event that occurred during the trip. The last thing anyone wants is for their claim to be rejected, adding insult to injury. To prevent this, it is crucial to have a clear understanding of the coverage provided by the insurance before embarking on the trip. If there is a specific coverage that is desired but not included in the plan document, it is recommended to carefully review the available plan options, such as the Basic and Choice options offered by Seven Corners, which offer different levels of protection for both the traveler and the trip.

What are the potential reasons for a claim to be rejected? Below are some of the most frequent causes and strategies to prevent them.

Be sure to review your plan document before departing to prevent rejection of this claim. If the document states that routine or preventive care is not included, it is recommended to schedule your checkup before leaving (which is a wise choice regardless, particularly if your trip will be lengthy) or wait until you return home to utilize your main health coverage.

If your trip is canceled or interrupted due to covered reasons, trip protection plans can reimburse you for your nonrefundable expenses that were prepaid. However, if you choose to cancel or interrupt for a reason that is not included in the list of covered reasons, such as feeling uneasy about the safety of your destination, your claim will not be approved.

To prevent the possibility of having your claim rejected, you may consider buying Cancel for Any Reason coverage. This extra feature allows you to cancel your trip for any reason, not just the reasons listed in your trip protection plan, and receive a reimbursement of 75% of your nonrefundable trip expenses.

The coverage for Interruption for Any Reason (IFAR) operates in a similar manner. If you choose to terminate your journey and return home before its planned completion, the additional IFAR coverage can provide reimbursement for 75% of the prepaid, nonrefundable costs that were not used, regardless of the reason for interrupting your trip.

To avoid facing such claims, it is advisable to carefully review the plan document and comprehend the reasons that are covered. This will ensure that you are aware of your coverage before making any changes to your travel plans. It may even be possible to modify your coverage or select a different plan in advance, preventing any last-minute realization that the desired protection was not included.