Where trip cancellation and interruption is concerned, there needs to be a valid reason in order for you to be able to make a claim. Below are some of the typically valid reasons:

  • Extended school year
  • Travel company experiences bankruptcy or financial default
  • Unable to get time off work or retrenched
  • Involved in traffic accident before the trip
  • Divorced (legally)
  • Terrorism
  • You are required to carry out jury duties/court appearance
  • Stolen passport
  • Natural disaster at the place you were headed to
  • Injury or illness


Above are just some of valid reasons that will allow you to make a claim on your interrupted or cancelled trip. It is important to read and understand your policy in order to know what you can and cannot be covered for as different policies tend to offer different benefits.

Pre-existing conditions are now covered by some insurers for you to be able to make claims in certain situations. A pre-existing condition is a medical condition that you had before applying for an insurance policy. Travel insurance companies will first look at your medical records when you make a claim regarding a medical condition. This is standard procedure as they need to find out whether you already had this condition or not especially for insurance companies that do not cover pre-existing conditions.

    Be sure to read up on all the exclusions in your travel insurance policy. You will usually find these in the list of exclusions:
  • Medical tourism. Travelling abroad specifically to receive medical treatment.
  • Unfavourable weather conditions.
  • Intentionally harming yourself to make a claim
  • Making a claim for an accident that happened while you were drunk or on drugs.
  • Radioactive contamination or nuclear radiation
  • Pre-existing conditions
  • Deciding you don’t want to go on your trip anymore.
  • High risk sports. Some policies do cover certain types of high risk sports while others do not.
  • Participating in an unlawful act.
  • Injuries from riots, civil disorder, military actions, and war.

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Kudos to you guys for taking steps to make insurance a more bearable user experience :]

PHILIP, Start-up Co-founder, CHINARating