Understanding What Travel Insurance Means for Vacation Injuries

Will Travel Insurance Provide Additional Protection if I Am Injured on Vacation?

Some cautious individuals may consider purchasing traveler’s insurance prior to leaving on a long-awaited vacation. This can provide valuable peace of mind, but is it actually worth the cost? Will traveler’s insurance truly provide additional protection while you’re on vacation? There’s no simple answer, as your benefits will be commensurate with your level of coverage. However, there are a few benefits to traveler’s insurance that might surprise you, like:

Emergency Dental Insurance

Say you’re on a cruise and slip and fall on the deck, breaking your tooth. With traveler’s insurance, you won’t have to worry about pain interrupting your travels. As soon as you make it to port, you can have your emergency dental work taken care of in full, if you choose the right traveler’s insurance policy.

Travel Insurance Bedside Visits

In a worst-case scenario, a dream vacation can take an unexpected turn that leaves you in a hospital bed. In the event you become confined to a hospital bed for a life-threatening illness or injury, your traveler’s insurance company may authorize a relative to visit, paying all the transportation costs (up to a certain dollar amount, as outlined in your policy.)

Injuries Incurred Playing Sports or Participating in Leisure Activities

If you are injured while participating in a leisure activity, such as visiting an amusement park, travel medical policies usually cover injuries that you might sustain during activities that you participate in for leisure or fitness purposes. However, they don’t cover non-amateur activities or activities listed in the General Exclusions. Talk to your insurer for more details.

What Traveler’s Insurance Will NOT Cover

There are certain things your traveler’s insurance will not cover. You might face a claim denial if any of the following apply to your situation:

  • You became injured while under the influence of drugs or alcohol.
  • You’re experiencing complications from a late-stage pregnancy.
  • You were participating in a high-risk or otherwise excluded activity.
  • Your insurer did not provide prior authorization for a particular treatment.
  • You failed to disclose a pre-existing medical condition, or any other information required on the medical questionnaire.
  • You did not check with a doctor before cancelling a trip and filing a claim.
  • Your trip lasted longer than the duration of the policy.

In other cases, you might find that some of your injuries are covered under your traveler’s insurance policy, while the insurer will deny others. Examples of partial coverage may include:

  • Seeking a benefit amount beyond the limitations of your policy.
  • Staying in the hospital beyond the allotted time for medically-necessary emergency treatment.
  • You failed to provide adequate supporting documentation to demonstrate the veracity of your claim.

Fortunately, in many instances, you can remedy the situation, but it may require the help of a personal injury attorney. Review the correspondence from your insurer and determine the reason for your claim denial, then contact an attorney at SteinLaw Miami with experience handling bad faith traveler’s insurance claims. Traveler’s insurance can provide additional protection while you’re on vacation, but you might need to fight for it.

Information for Out-of-State Attorneys and Clients

SteinLaw handles many cruise ship personal injury lawsuits on behalf of out-of-state clients and attorneys for two critical reasons:

The first is that personal injury claims against a cruise line company usually require passengers to file them in the same state of the company’s headquarters. This can be an issue for people that live elsewhere, and with many major cruise lines based in Florida—such as Royal Caribbean, Celebrity, Carnival, and Norwegian Cruse Lines—SteinLaw is well-positioned to help litigate these claims.

The second is that cruise ship accident lawsuits carry a one-year statute of limitations. This—combined with the need to file in the same state of the company’s headquarters—can create an incredibly tight, inconvenient, and often expensive litigation process for out-of-state passengers injured in a cruise ship accident.

With such a narrow window of opportunity for victims to process their claims, SteinLaw takes great care to get victims beyond Florida the compensation they deserve.

In the links below, we are happy to provide additional information for out-of-state victims and attorneys seeking a Florida-based firm to handle a client’s cruise ship personal injury claim on their behalf:



Contact SteinLaw today to see what we can do to help you or your client get the compensation they deserve for their cruise ship personal injury.

Brandon Stein

Chief Executive Officer

Brandon Stein is a Florida based trial attorney born in Queens, New York, and was raised in East Brunswick, New Jersey. Being the son of an accountant that owns a large firm in New Jersey, owning and operating a business is something that was engrained within Brandon Stein from a very young age...[READ BIO]

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