I am extremely frustrated with how my travel insurance claim was handled. My claim was denied due to a so-called “pre-existing condition,” which does not accurately reflect what actually happened.
My father did have a prior medical condition, but the reason for our claim was a seizure—an unexpected and serious medical event. Instead of evaluating the situation fairly, the insurance company automatically linked it to his pre-existing condition and denied the claim without properly considering the circumstances.
It feels misleading to sell coverage for emergencies and then use broad policy language to avoid paying when something truly unexpected occurs. There was no clear effort to assess whether the seizure was directly related or not—just a blanket denial.
This experience has been incredibly disappointing and has made me lose trust in the value of this insurance. I would strongly advise others to be cautious, as it seems claims can be denied even when the medical event is sudden and not clearly tied to a pre-existing condition.
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Travel Insured offers coverage for trip cancellation (with cash reimbursement), out-of-network medical/evacuation, lost/delayed baggage.
