A Little Alcohol Overseas Could Invalidate Your Patriot Travel Insurance Claim
The study of American association of independent insurance brokers and agents (IIABA) has confirmed that most of the USA's top level travel insurance companies are cracking down on travel alcoholism by including more strict alcohol and drug provisions. The main point is that a small drink you take during your USA travel could cancel your insurance claim with the Patriot Group Travel.
A few drinks may trouble your Patriot America Insurance coverage
You should try to know - where does your Patriot America insurance deny accident or injury coverage? Taking a small amount of alcohol when you are on a USA visit is part of a habit that most of us enjoy. You can try early-evening snacks and beer, some light drinks with dinner, and one or more nightcaps without getting fully drunk. But your Patriot Green Travel Insurance company will hardly accept it if you meet with a road accident in an inebriated state.
The next thing that should be in your knowledge is - how can travel insurance companies come to know how many drinks you have consumed? If you have lost consciousness and caused yourself an injury by falling over a bathtub lounger or slipping on a wet ground, you are likely to forget how much alcohol you have actually consumed. Of course, you need to restrain yourself from taking more than a specified limit as your blood test done in the hospital during injury treatment will confirm your BAC (Blood Alcohol Concentration). If your Patriot America Insurance provider finds your BAC to be more than its recognized level, then it can put your claim under alcohol and drug conditions and cancel out your claim.
Different conditions can dispute your claim
Your main difficulty could be that different USA travel insurers recognize different levels of alcohol and don't implement the same provision. Some of them assure to exclude accident claims on the basis of €extreme drinking', whilst other insurers are very precise.
Many American travel insurance companies exclude compensation claims where the blood alcohol level is more than a commonly recognized standard. In most of the cases, they allow you to consume up to four glasses of wine which should be not more than 175 ml in size.
There are insurance companies who talk about claims with an extremely high level of alcohol €that causes error in your judgment. This can add to your worry as the ambiguous alcohol conditions will allow the insurance companies to disagree with your claims.
What's the value of such provision?
Patriot Traveler Insurance alcohol and other similar conditions may not bring them more subscribers and give the insurers a bad name, but they are wise enough to include this term. Why should a leading insurance company like Patriot Group Travel pay the medical bill if you've collided with a car in a drunken state abroad and got injured severely?
A few drinks may trouble your Patriot America Insurance coverage
You should try to know - where does your Patriot America insurance deny accident or injury coverage? Taking a small amount of alcohol when you are on a USA visit is part of a habit that most of us enjoy. You can try early-evening snacks and beer, some light drinks with dinner, and one or more nightcaps without getting fully drunk. But your Patriot Green Travel Insurance company will hardly accept it if you meet with a road accident in an inebriated state.
The next thing that should be in your knowledge is - how can travel insurance companies come to know how many drinks you have consumed? If you have lost consciousness and caused yourself an injury by falling over a bathtub lounger or slipping on a wet ground, you are likely to forget how much alcohol you have actually consumed. Of course, you need to restrain yourself from taking more than a specified limit as your blood test done in the hospital during injury treatment will confirm your BAC (Blood Alcohol Concentration). If your Patriot America Insurance provider finds your BAC to be more than its recognized level, then it can put your claim under alcohol and drug conditions and cancel out your claim.
Different conditions can dispute your claim
Your main difficulty could be that different USA travel insurers recognize different levels of alcohol and don't implement the same provision. Some of them assure to exclude accident claims on the basis of €extreme drinking', whilst other insurers are very precise.
Many American travel insurance companies exclude compensation claims where the blood alcohol level is more than a commonly recognized standard. In most of the cases, they allow you to consume up to four glasses of wine which should be not more than 175 ml in size.
There are insurance companies who talk about claims with an extremely high level of alcohol €that causes error in your judgment. This can add to your worry as the ambiguous alcohol conditions will allow the insurance companies to disagree with your claims.
What's the value of such provision?
Patriot Traveler Insurance alcohol and other similar conditions may not bring them more subscribers and give the insurers a bad name, but they are wise enough to include this term. Why should a leading insurance company like Patriot Group Travel pay the medical bill if you've collided with a car in a drunken state abroad and got injured severely?
Source...