- Travel insurance policies are standard cover policies under the Insurance Contracts Act.
- Under the Act, travel insurance companies can’t refuse to cover you for medical, hospital and transport expenses incurred as a result of an injury or illness suffered on your trip unless:
- you were subject to the injury or illness in the six months before you took out the policy and afterwards; or
- the insurance company told you in writing within 14 days of the policy start up date that you won’t be covered.
- This means that if you weren’t suffering from the effects of your disabilies or chronic illness in the 6 months before the start date, if you weren’t given the policy or a brochure before starting your trip or if the wording is unclear, you might still be able to claim under your travel insurance policy.
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