Insurance Blog

Each overseas worker knows and understands that one’s travel insurance company will cover them if something unfavorable will take place while abroad. These claims or coverage includes a heart attack, a burning hotel with the workers suitcase inside, a stolen car rental, and much more. However, beyond the knowledge of many of us, insurance companies are also covering some weird claims like if a monkey made its way to one’s window and stole one’s personal belongings. A trip back to origin will also be covered when the hotel where a certain client stayed ends up being infested with fleas. On the other hand, if his or her goat has destroyed one’s documents, the insurance company will also cover for it. Sounds odd though, but these are just a few of the strangest travel insurance claims.

Below are just a few of the strangest situation wherein insurance claims are being paid.

Monkey Madness – there was a couple staying in Malaysia that left their chalet window open as the left out. When they return to their hotel, what they have found out are monkeys entering into their room and stole many of their clothes and some of their personal belongings. In order to give the couple a comfortable stay on the adjacent jungle, their claim was paid.

Sick of the Sea – this is just another odd claim that has been successfully covered by a travel insurance company. There was once an elderly man who is suffering from a terrible seasickness in a cruise ship making him to vomit over the side until his false teeth came out. The elderly man then claimed the cost for his teeth replacement from his travel insurance and was successfully paid.

Toupee or not toupee? – this one of a kind weird claim is just one of the incidents covered by travel insurance companies. Situations under this claim is just like when a traveler had a good chat with a friend on the beach and suddenly a gust of wind carried a several hundred pounds and his insurance company paid toupee. This claim can be a little bit pricey for claims can be at least £50 in excess of the claimant’s policy.

However, despite of the paid odd claims, there can also be some similar incidents that are not being paid.

One great example of it is when a family that stays in a country house in Black Forest in Germany has left their door open when they left. When they came home, they found out a wild goad entered into their home and destroyed their wallets and passports. Surprisingly, their claim was rejected while the situation is just the same as those staying in Malaysia.

Another weird claim is when a family camping in a remote area of Wales and have incurred some cost when a parachutist unexpectedly landed on their tent and had destroyed their equipments. Sadly, the family’s claim for accidental damage to their travel insurance company was not covered.

More and more people now prefer to work abroad than on their own country especially those from the third world countries. If you are one of those who wish to work abroad, you must then be aware on how your job would affect your travel insurance.

Though designed to cover various incidents, there are also some insurance companies and agencies that does not offer to cover some of its members’ adverse events happening in your workplace, those medical emergencies that arise from work, or events like loss or theft of personal belongings while at your workplace. However, there are also some good travel insurance companies that offer to cover its members for most non-hazardous jobs like Bar Work, Admin Work, Public relations and marketing tasks, and those who are working in fruit picking.

In this regard, if you are one of those who are in jobs with higher risk of inherent hazards like nursing or mining, it is better for you to check with your travel insurance provider or company and ask them if they will have you covered and know if you will need to make an alternative arrangement.

When talking about documentation, it best for everyone to bring all of their notarized copies of important documents to avoid the need of making a travel insurance claim for cutting back his or her trip just because one forgot an important documents that is needed for one’s work. The following documents must be bringing along with all the time when traveling including a copy of birth certificate and marriage certificate if applicable. Copy of one’s citizenship papers, police checks especially to those who will be working with an elderly, children, and other social industries must also be brought along with. Another important documentation that should not be left behind when traveling for work are educational qualifications.

In most country, a work permit from the government is needed before a certain person or worker can legally work in his or her host country. It is the host country’s way of regulating overseas worker to prevent their local people from losing a possible job. If in some time one is caught illegally in one country, he or she will be fined and penalized with some amount. Therefore seeking a work permit before starting a job with a certain country will help every overseas working in preventing a need to make a travel insurance claim for shortening a trip.

Another document that one needs to provide is a driving license. Since working abroad may require one to drive on the said country, thus requiring them to seek a driver’s license. This is the reason why it is important to seek for an international driver’s license first before heading to the country where one will be working and carry it with them when travelling even in countries where tourists are allowed to drive even without the local drivers license. International driver’s license is available in places where local driver’s license is available.