The little-known journey insurance coverage rule that boozy Brits overseas must know
Holidays are the perfect excuse to let loose with a cocktail or two by the sea.
And with Brits well-known for their love of partying, especially when they’re abroad, it’s easy to see how people can get carried away. But experts at InsureMyTrip have warned tourists of a little-known exclusion that can make life difficult if accidents were to happen while under the influence of alcohol.
If you’re intoxicated and need to see a doctor, you’re likely not covererd by the emergency travel insurance benefit. Not only that but travel insurance companies can (and usually do) deny claims found to have happened if alcohol was involved.
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Advice issued on the InsureMyTrip website states: “All of the travel insurance plans available at InsureMyTrip exclude incidents that occur while under the influence of alcohol.
(Image: Getty Images)
“This means a travel insurance company can deny a claim if it is determined the incident occurred while under the influence of alcohol. For instance, if you slip and injure yourself while drinking poolside, you may not qualify for coverage under the emergency medical benefit of the plan.”
It adds: “Being intoxicated doesn’t void your travel insurance plan, but it may affect some of your benefits.
“A travel insurance alcohol exclusion can sound daunting and broad, essentially it means a travel insurance company may look at how the intoxication played a part in the incident.
(Image: LeeMcLean/SWNS)
“Being drunk while an incident occurs muddies the water for coverage. It may not affect your benefits in the case of a flight delay or cancellation due to weather, but it may void your emergency medical coverage in case of injury.
“…If it is determined that the alcohol consumption directly related to the reason for the claim (like an injury or lost item), your claim may be denied. However, if the incident is completely unrelated (like being robbed or baggage loss) you may be provided reimbursement.”
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