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Insurance law: common reasons for denying travel claims

Travel insurance can cover a wide range of incidents and is a valuable addition to any traveler's plans. However, Louisiana travelers tend to think that these policies cover any and everything that occurs during, before or after their travels. Those who are unfamiliar with insurance law may mistakenly believe that their claims were wrongfully denied. 

A person's health at the time that they purchase travel insurance is more important than most realize. Many jump at the opportunity to purchase a policy that will cover travel-related emergencies, but do so before a doctor has medically cleared them to travel. If a person is not medically stable when they buy their coverage, they probably will not have their claim covered. 

Claims are also commonly denied when people fail to submit documents that help prove their case. Receipts, travel itineraries and other important documents can go a long way in supporting a claim, but are often thrown away or not properly kept track of, leaving some people without the necessary proof. Even for those who have evidence to support their claim, it might not be covered. Some people believe they deserve compensation for being inconvenienced even if it did not lead to a financial loss. 

Traveling can be stressful, and those who make claims under their travel insurance policies are often fresh off of a difficult experience. This can make some people feel like the legitimate denial of their claim is a serious wrong that must be righted under insurance law. It is essential that insurance companies in Louisiana are prepared to demonstrate that they adequately investigated and considered a person's claim before denying it, which can help achieve the best outcome possible when dealing with lawsuits from unhappy consumers. 

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