• bitsplease@lemmy.ml
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    1 year ago

    Travel insurance is especially terrible, because a lot of the time it’s a pretty substantial premium, and actually filing a claim on it is a HUGE PITA.

    I worked for a traveler insurance company before, and we denied most claims that came in. People would buy insurance on a $100 concert ticket, paying a $10 premium for the insurance, then when they’d go to file the claim, we’d require a doctors note, so now they also have to cough up a $20 copay and a whole afternoon just to get a note saying “yup, this person is sick”. And that’s just one of the many ways people got fleeced. During COVID, a lot of travel insurance claims got denied because illnesses resulting from pandemics aren’t covered in some policies as well

    • Scrubbles@poptalk.scrubbles.tech
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      1 year ago

      not surprised at all, I’ve found it’s just better to learn the cancellation policy of your items. Most hotels are full refund if they know >48 hours, and if less usually you’ll at least get points/credit back which for me I’ll absolutely use next time. Not worth the premium and the hassle to get cash back if I only find out less than 48 hours ahead of time