Questions & answers · Travel insurance
What written exclusions in Delos Insurance Company's travel insurance policy can lead to a denied claim?
AI-drafted from filed documents · reviewed: pendingcommon reasons a claim is deniedDelos Insurance Company
Under Delos Insurance Company’s filed form for Alabama (AL), a claim may be denied if the Covered Expense results from a Pre-Existing Condition, unless coverage was purchased within 30 days of the initial deposit for the Covered Trip and the insured was medically able to travel on the date coverage was purchased [1]. Emergency Reunion and Return of Mortal Remains are subject to limitations, and the insurer will pay up to the maximum benefit shown on the Schedule of Benefits for one-way economy airfare for the return of biological or legally adopted children or grandchildren under the age of 18 who are left unattended due to a covered Injury or Emergency Illness [1]. This does not appear in these excerpts — check the full policy.
Information only — not legal advice. The insurer decides.
These answers quote forms insurers filed with state regulators. Your own policy, its endorsements and your state’s rules control. A filed form may not be the version sold to you.
Where this comes from (1)
[1] Delos Insurance Company · AL · SERFF DLSN-126661310 · p. 7
We will not pay for any services or Covered Expenses incurred as a result of a Pre-Existing Condition. This Pre-Existing Condition exclusion is waived if coverage is purchased within 30 days from the date Your initial deposit for the Covered Trip was paid to the Travel Supplier, and You were medically able to travel on the date the coverage was purchased. Emergency Reunion and Return of Mortal Remains Subject to the limitations stated below, We will either purchase or pay a total amount not to exceed the maximum benefit shown on the Schedule of Benefits for one or more of the following: 1. A one-way economy airfare for the return home of Your biological or legally adopted children or grandchildren under the age of 18 who are traveling with You and left unattended as a result of Your covered Injury or Emergency Illness . A qualified chaperone will also be iTI100-14 (5/10)
Drafted by a local AI model from the excerpts above, then checked by rules (citations, no rankings, no “not covered” claims from a partial excerpt). Question id Q7fcc0c9a. Spotted an error? Tell us.