✈️ 出国前买旅游险, 3种情况“通常不赔”✈️ 3 Situations Travel Insurance Usually Doesn’t Cover

✈️ 出国前买旅游险, 3种情况“通常不赔”

很多人问我：“买了旅游险，是不是什么都赔？” 其实不是，这 3 种情况 大多数计划都不赔 👇

❌ 出发前已知道的情况 例如： 已宣布的航班取消 已发布的罢工、封关消息

❌ 原本就有的旧病 高血压、糖尿病等 若没额外写明 cover，通常不在保障内

❌ 纯粹自己改变计划 临时不想去 行程更换但不是不可预见事故 💡 小提醒： 旅游险真正保的是 “突发、不可预见的风险” 📥 如果你不确定自己买的计划保不保这些，可以留言，我帮你看看重点条款 #旅游险知识 #出国必读 #旅行避坑 #马来西亚出国 #保险小贴士

✈️ 3 Situations Travel Insurance Usually Doesn’t Cover

Many people ask me: “If I buy travel insurance, does it cover everything?”
Actually, the answer is no. Most travel insurance plans usually don’t cover these 3 situations 👇

❌ Situations already known before departure
For example:

• Flights already announced as cancelled

• Strikes or border closures that have already been officially announced

❌ Pre-existing medical conditions
Such as:

• High blood pressure

• Diabetes

Unless the policy specifically states that it covers pre-existing conditions, these are usually excluded.

❌ Changing your plans for personal reasons
For example:

• You suddenly decide not to travel

• You change your itinerary for non-emergency reasons

💡 Reminder:
Travel insurance is designed to protect against unexpected and unforeseeable risks during your trip.

📥 Not sure whether your policy covers these situations?
Feel free to leave a comment and I can help you review the key terms.

#TravelInsuranceTips #TravelSmart #TravelInsurance #MalaysiaTravel #InsuranceTips

 

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