Travel Insurance Coverage When Resort Closed 

Most travel insurance policies do not cover the loss of your vacation due to the closure of a resort. Similarly, most policies do not cover the loss of your vacation due to government-issued travel warnings. This is because the loss you are attempting to claim isn’t the result of a covered event. Fortunately, you can make a claim for trip interruption coverage when a resort is closed, that you can reclaim the costs you paid for the trip. 

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Trip cancellation insurance claims denied by a tour operator 

In the case of a closed resort, you can claim your trip cancellation insurance policy. But before you file a claim, you need to know how to make a successful one. You will need a few documents to prove that your trip is canceled. Fortunately, it’s not impossible to make a successful trip cancellation insurance claim. You’ll need to submit the original invoice from your tour operator, receipts for all your expenses, a detailed explanation of your diagnosis, and proof of other insurance that covers the cancellation. 

If your travel insurance policy doesn’t include this type of insurance, make sure that you read the fine print. It’s important to understand any limitations in the coverage, because your insurance company may deny your claim. For instance, you can’t file a claim if you don’t have any pre-existing medical conditions. If you are ill, you need to have a prescription from your doctor to claim the cancellation benefit. Also, you need to provide the doctor’s written advice for you to cancel your trip, otherwise, it may not be covered by insurance. 

Losses resulting from pre-existing conditions may not be covered 

Travel insurance can cover certain expenses when a covered resort is closed, such as medical costs. However, losses resulting from pre-existing conditions, such as heart disease or diabetes, may not be covered. However, there are some situations when pre-existing conditions may be covered. These situations are often rare, but if they happen, the insurance policy will cover the costs. 

Depending on the plan, pre-existing conditions may be excluded from coverage unless the condition was acquired before the trip. Pre-existing conditions may not be covered if the emergency is related to the condition that caused the trip cancellation. However, a travel insurance company may provide coverage for a pre-existing condition if the condition is a family member. 

The post-departure plan helps recover costs if your trip is interrupted by a covered event 

A Post-Departure Plan covers travel costs when an event occurs that causes you to have to return home prematurely. Such events may include being called to jury duty, illness, injury, death, involuntary termination of employment, or acts of terrorism. It can also cover the costs of emergency airlifts. However, you should know that you may not be able to recover these costs in all situations. 

A Post-Departure Plan also helps you recover costs in the event of an emergency. Coverage options may include emergency medical, evacuation, and trip delay. This plan does not cover pre-existing conditions, although some plans will cover these. Depending on the plan you purchase, you may be able to find a waiver that covers pre-existing conditions.