In another story, this time from the UK, we are reminded that our travel insurance will not provide benefits for injuries sustained while intoxicated.
Many travelers purchase insurance for their vacations. The travel insurance provides benefits for cancelled or interrupted trips, lost baggage, and medical expenses. As with all insurance policies, there are exclusions. Policy exclusions are circumstances under which an insurance will not pay a claim.
Common travel insurance exclusions include:
- self-inflicted injuries
- injuries resulting from dangerous activities like skydiving, etc
- injuries suffered while committing a felony or illegal activity
- injuries suffered while intixicated
Trip insurance is meant to cover expenses for unexpected and accidental injuries. When you consume too much alcohol it is not exactly an accident when you fall down and hurt yourself.
It is common knowledge that alcohol affects our judgement and motor skills. Drivers are arrested everyday for consuming too much alcohol and operating a vehicle. When drinking and driving, they are at a higher risk of injury to themselves and others.
For this same reason, travel insurance companies will not pay for injuries suffered while intoxicated. If they did, trip insurance premiums would be higher and travelers would have to pay more to protect themselves and their financial investement.
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