> So essentially, if you go anywhere even slightly "not first world" your travel insurance is useless.
This is an absurd claim.
Can you present one example of this happening? Travel insurance clearly shows the countries it will cover you for, any claims denied are likely for very different reasons.
I've made a few claims in the developing world with nothing more than testimony+pictures, the police report was essentially worthless and likely never translated.
Yeah, but I'm talking about if you got quoted for a policy on a specific journey, not just some blanket "travel insurance" policy.
I'm pretty sure they can't quote you for a trip to Elbonia and then say "lol j/k we don't have to cover anything because there was a warning against Elbonia at the time".
(I could maybe believe they could exclude events happening after a warning after the policy was issued.)
> I'm pretty sure they can't quote you for a trip to Elbonia and then say "lol j/k we don't have to cover anything because there was a warning against Elbonia at the time".
As above, I can believe that they would drop coverage if a warning were issued after the Elbonia warning, or if the coverage is void if e.g. you engage in political activism.
I don't know any insurance commission that would be okay with the fine print saying "the coverage on the specific trip to the country you asked for was void from the moment it was issued because warning and therefore you were paying for nothing".
Can you cite a case where a travel insurer issued a policy that covered nothing from the moment it was written for a specific trip to a specific warned country?
Your travel insurance policy is not valid if you travel to a country that has a travel warning issued by the country that the policy is issued by.
So essentially, if you go anywhere even slightly "not first world" your travel insurance is useless.