Questions & answers · Travel insurance
What written exclusions in Starr Indemnity & Liability's travel insurance policy can lead to a denied claim?
AI-drafted from filed documents · reviewed: pendingcommon reasons a claim is deniedStarr Indemnity & Liability
Under Starr Indemnity & Liability’s filed form for Alaska (AK), the following exclusions can lead to a denied claim for Trip Cancellation/Trip Interruption coverage: pre-existing conditions [1]; commission or the attempt to commit a criminal act by You, Your Traveling Companion, or Your Family Member, whether insured or not [1]; dental treatment except as a result of an Accidental Injury to sound natural teeth [1]; expenses incurred as a result of being under the influence of drugs or intoxicants, unless prescribed by a Physician [1]; mental or emotional disorders, unless hospitalized [1]; any non-Emergency Treatment or surgery, routine physical examinations, hearing aids, eye glasses or contact lenses [1]; and participating in bodily contact sports; skydiving; mountaineering where ropes or guides are normally used; hang gliding; parachuting; any race by horse, motor vehicle, or motorcycle; bungee cord jumping; spelunking or caving; or rock climbing [1]. This does not appear in these excerpts — check the full policy for exclusions that may apply to other coverages.
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] Starr Indemnity & Liability · AK · SERFF CLTR-129074254 · form LT 023 (03/2013) · p. 7 · SECTION VI.
SECTION VI. GENERAL LIMITATIONS AND EXCLUSIONS Coverages to which General Exclusions apply: The following exclusions apply to Trip Cancellation/Trip Interruption. We will not pay for loss caused by or resulting from: 1. Pre-Existing Conditions; 2. Commission or the attempt to commit a criminal act by You, Your Traveling Companion, or Your Family Member, whether insured or not; 3. Dental treatment except as a result of an Accidental Injury to sound natural teeth; 4. Expenses incurred as a result of being under the influence of drugs or intoxicants, unless prescribed by a Physician; 5. Mental or emotional disorders, unless hospitalized; 6. Any non-Emergency Treatment or surgery, routine physical examinations, hearing aids, eye glasses or contact lenses; 7. Participating in bodily contact sports; skydiving; mountaineering where ropes or guides are normally used; hang gliding; parachuting; any race by horse, motor vehicle, or motorcycle; bungee cord jumping; spelunking or caving; or rock climbing;
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 Q26c01cf4. Spotted an error? Tell us.