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Travel Insurance

At McNally Gervan, we recognize the difficulties associated with travel insurance claims, and our team is dedicated to supporting individuals faced with challenges in the claims process.

Travel Insurance Claims in Ontario

Travel insurance is designed to protect travelers from unforeseen events and financial losses during their journeys. If you have a medical emergency abroad, travel insurance offers a financial backup to protect against those unforeseen circumstances. 

Travel insurance is intended to cover costs when unexpected events turn travel plans upside down, but sometimes claims are unjustly denied. If you have travel insurance, medical providers provide services to you on the basis that you have coverage available, however, some insurers deny claims after the medical bills have already been incurred. 


Common Causes for Travel Insurance Claim Denials

Some of the most common reasons for insurance claim denials include:

  • Non-Disclosure of Pre-Existing Conditions: A frequent reason for denial is the failure to disclose pre-existing medical conditions. Insurers often decline claims if they discover undisclosed health issues.
  • Travel Advisories: If there was a pre-existing travel advisory for a destination, claims related to that advisory might not be covered.
  • Intoxication or Illegal Activities: Claims related to incidents occurring while the insured was under the influence of drugs or alcohol, or engaged in illegal activities, are typically denied.
  • Lack of Proper Documentation: Insufficient or improper documentation can lead to claim denials. Always keep thorough records, including medical reports, receipts, and police reports, if applicable.
  • Misunderstanding Policy Coverage: Sometimes, claims are denied because the event or situation leading to the claim isn’t covered under the policy. It’s crucial to understand the specifics of what your policy covers.
  • Failure to Notify Insurer Timely: Delay in notifying the insurer about an incident or making a claim can result in denial.

Although all the reasons listed above can be legitimate (depending on the specifics of the policy), unfair denials arise when these reasons are incorrectly attributed to a claim. In these situations, our experienced lawyers help policyholders fight to overturn these decisions and secure their benefits.

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    The insurance claims lawyers at McNally Gervan LLP understand the system and are prepared to help those facing travel insurance claim denials get the compensation they need.

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    McNally Gervan – Protecting the Rights and Interests of Travel Insurance Policyholders

    When a travel insurance claim is unjustly denied, our team meticulously reviews the case, and scrutinizes the policy details and denial reasons to identify any errors or unjustified decisions made by the insurance company.

    Our approach involves gathering all necessary evidence, including medical records (if applicable) and documentation related to the travel incident, to build a strong argument that supports the legitimacy of your claim. We then engage in negotiations with insurance providers, aiming to reach a fair resolution. If necessary, we are prepared to represent you in court to make sure your rights are upheld.

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    Legal Assistance for Travel Insurance Claims in Ontario

    At McNally Gervan, we know the impact of a denied travel insurance claim, which can extend far beyond mere inconvenience to cause financial and emotional strain. Our legal approach therefore is highly personalized, so that it aligns with the unique aspects of your case. 

    We delve into the complexities of your insurance policy to pick apart the denial and build a case on solid legal footing. Our commitment to legal advocacy means we stand firm in defending our rights against insurance companies.

    If your travel insurance claim has been denied, reach out to us for a free consultation. We will help you clarify your situation and chart the best path forward.