It’s that time of year again when the sun is smiling on us, school is over, and the wide world of travel is just a flight away.

So do a little research on vacation options. Book a flight. Book a hotel room. And last but not least, call an insurance agent to get a suitable travel policy.

“Ah”, you think to yourself. “I am covered from all angles.”

Not so fast, sir or madam!

While others like you may view the insurance they purchased as a ticket to peace of mind, this is not always the case.

Not every loss scenario you can think of will be covered.

This article discusses problems that can arise as a result of not planning ahead or not learning properly about insurance-related issues.

Some cases in which travel insurance does not cover losses

1. If you think it’s smart to buy travel insurance when you hear the radio tell you about an upcoming storm, think again. A travel policy will not cover the cancellation of your trip after information about the storm is released.

2. If you imagine that travel insurance will compensate you for ordinary problems, stop dreaming. Your insurance won’t make up for common inconveniences or lack of enjoyment.

3. Don’t plan to get coverage for losses you can’t prove. You will need to show a purchase receipt so your loss can be justified.

4. Please note that your insurance policy may not cover incidents that occurred while you were under the influence of alcohol or drugs.

5. Get your doctor involved before you set out on your trip or you won’t be able to get medical coverage under your travel insurance. If you can’t show that you were in good health before joining the plan, you may have coverage problems if you need medical care while on vacation.

6. Don’t assume that all the activities you participate in are covered by your travel plan. If you are injured while doing something that the insurance company considers dangerous, you may not be reimbursed. Review your policy to determine which activities your insurance provider includes and which are considered dangerous.

As with any form of compensation, travel insurance has limits and deductibles, as well as exclusions. You owe it to yourself and your vacation to do the proper research before the game. Speaking with an experienced independent agent will help you decide which policy is best for you and how to avoid being denied a related claim.