Why your travel insurance may not be valid due to your alcohol consumption

Reread the agreement on the policy including alcohol consumption in travel insurance

It is a fact of life for many vacationers that their vacation brings with it a degree of alcohol consumption and celebrations. Do you know how much you can afford and you do not risk devaluing your travel insurance?

This drink can be a good glass of cold wine, a dinner, cocktails with umbrellas in the pool or a mix of islander's rum vinaigrettes. The excess quantity is not always clear and can vary from company to company. It is therefore better to play safely.

Problems arise when excessive drinking causes an accident, illness or injury to yourself, another person or property and then attempts to enforce your travel insurance. For example, problems could arise when a medical report from the hospital indicates that he was drunk. If it is determined that the circumstances of the claim were affected or were caused by excessive alcohol or other intoxicants, any claim related to your insurance can be denied and you or your family can do so face huge bills and be seriously irrelevant bag



It is not that insurers want to ruin the holiday joy! Let's face it, the type of insurance that you do not account for, it does not give you a license for excessive alcohol consumption and does not release you from liability if you expose yourself to a risk. to third parties or property.

In terms of travel insurance, the amount of alcohol you can drink and leave varies from company to company, and claims are treated individually. As a basic guide, you can be confident that you will exceed the risk if you exceed the limit.

Being responsible and taking out travel insurance is one thing, but unfortunately many people still do not read the police to understand what is covered or do not call the company to ask questions. As a result, many go on vacation, unaware that their excessive drinking could invalidate their insurance policy and potentially expose them to financial ruin. The same applies to ski insurance, backpackers and even seniors.

Singles and singles are often the recipe for disaster, as they are usually associated with drinking and celebrating. Keep in mind that the alcohol content of drinks in some countries may be higher than in your home country. For example, it is likely that a margarita served in a bar in Mexico is much stronger than at home. If you go skiing or vacationing in the mountains, the altitude can cause serious damage as the effects of alcohol increase.

You may risk that your insurance company does not realize that you have been drinking too much. However, if the information is disclosed, you risk losing your claims. Is the risk worth it?

There are other risks when drinking: for example, increasing the alcohol content in the beverage is common in many parts of the world and can lead to assault, theft, rape or drinking. perverse. If you are obviously drunk, you look like a target and fall victim to all sorts of predators. If your passport and money are stolen, not only will you face a hangover, you will also have a lot of headaches to get a passport and emergency money.

If you drink too much at the airport or on flights and become loud, aggressive or abusive, you may be leaving your flight or boarding is denied. It is unlikely that your travel insurance will cover the damages involved.

Drunk driving is a serious crime in every country in the world, as it can be a problem with the law and can cause financial losses that are unlikely to be covered by your insurance. Read the "Exclusions" section of a travel insurance policy and look for a "Voluntary Exposure" label. In other words, you must take due care to avoid injury, illness, loss or property damage as if you were uninsured.

Be smart, use common sense and common sense and share this information. Be careful with your fellow travelers, your family, and your friends, and be careful not to jeopardize your precious vacation by drinking too much.