Travel insurance makes sense when you're away from home, and shopping around can save you from spending over the odds for it. Just don't try getting too creative when it comes to claiming on that policy: history suggests you'll be rejected for ludicrously outlandish claims.
Picture by RBerteig
Insurance comparison site Compare Travel Insurance issued a press release today highlighting its ten most unusual travel insurance claims. Some quite odd scenarios resulted in payouts, including a backpacker who destroyed her camera batteries in a hostel when her hair straightener shorted the entire building's power system and a tourist who was mugged by someone in a Mickey Mouse costume. However, for my money, the more useful information is the reminder of claims that weren't accepted. Here they are:
What better way to celebrate the love you have for your newlywed husband than by undergoing a little plastic surgery on your honeymoon? A newlywed couple headed to Thailand where the new bride elected to undergo liposuction. She reacted adversely to the procedure and incurred extensive medical expenses for hospitalisation. Her expenses were declined as liposuction is an elective surgery and not a medical emergency. A couple on a hunting tour in North Queensland sought a quick escape when they felt they had become "the hunted" by their tour guide. The insured’s claim for the cancellation of the remainder of the tour was not paid as there was no evidence to indicate that they were in any danger.
It should be obvious that neither of those qualify; people are strange.
Every travel insurance policy differs, so make sure yours meets your specific needs. Extreme sports enthusiasts often need extra cover; cheap policies might skimp on options such as shipping your body home if you die. Check the details carefully, and don't wait until the last minute to book and choose.