ST. PETE BEACH, FL October 9, 2011 – As Oktoberfest takes place around the world, many travelers are faced with temptations that could end up costing them thousands of dollars. “If excessive drinking leads to an accident, illness or injury, most travelers will not be able to make a claim under their travel insurance, as their policy will not cover them,” says Sarah Byrne, Marketing Manager at Squaremouth.com, a site for comparing and purchasing travel insurance. “As a result, travelers will be stuck paying out of pocket for all medical expenses.”“The intention of the general exclusion is often drugs and alcohol will ‘blur’ a person’s ability to make proper decisions and the insurance company should not be responsible for the loss as a result of their intoxication,” explains Christine Buggy, Director of Marketing at Travelex Insurance Services.
In most cases, the travel insurance provider will not know if a claim is the result of having too much to drink, however, it’s important to remember all travel insurance providers require documentation for a claim to be processed. If alcohol is included in the reports, the travel insurance provider could deny the claim.
So how much can someone drink while they are on vacation? Most travel insurance providers will typically look at the level of intoxication as found in the documentation and make their judgement based on the legal level allowed in that jurisdiction.
In addition, travel insurance providers will also refuse coverage if someone participates in an illegal act or crime. “Travel Insurance specifically looks to protect a traveler from the unexpected occurrence that interferes with their travel plans and is not intended to protect a traveler from a loss that occurs due to their own decision making,” says Buggy. “Should the insured choose to participate in an illegal act, they are choosing their fate at that time for what their future holds and it’s not an insurance companies responsibility to re-coup their loss.”
“If someone is unhappy with this provision, they are not obligated to keep the policy,” says Chris Harvey, CEO of Squaremouth. Most policies offer a money back guarantee that will allow travelers to cancel their policy and receive a refund. Depending on the provider, the guarantee can last for up to 15 days after the purchase date. Most companies will refund the full amount minus an admin fee of around $6 to $8 per policy.
Squaremouth is America’s fastest growing travel insurance comparison site, helping customers instantly quote, compare and buy policies from every major carrier. Squaremouth has web sites in the US and UK, and an extensive network of partner sites worldwide. The company is headquartered in St Pete Beach, FL., with offices in Fort Wayne, IN. Visit Squaremouth.com or Squaremouth.co.uk.
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