Travel Insurance Denied? Here’s Why It Happens (and What to Do Next)

<p>Travel insurance is supposed to give you peace of mind. So what happens when you do everything right, file a claim, and your insurer still says “no”?</p><p>In this episode of FH&amp;P Lawyers’ Law Talk, Partner Clay Williams speaks with lawyer Wendy Cheung about travel insurance denials and why they happen so often. Wendy shares how insurers may review historical medical records after a claim is submitted, and how even a small note or a few words in your chart, that you may never have seen, can be used to deny coverage.</p><p>Clay and Wendy discuss: </p><p>✅ Why travel medical claims get denied, even when people believe they answered honestly</p><p>✅ How application questionnaires and “yes/no” checkboxes can create serious risk </p><p>✅ The role historical medical notes can play in a denial decision </p><p>✅ Why people often do not know what is written in their clinical records </p><p>✅ A real-world example of a six-figure claim denial resolved without starting a lawsuit </p><p>✅ How negotiation and clear medical explanations can move a file toward resolution </p><p>✅ Why you should still buy travel insurance and read your policy terms </p><p>✅ What to do if your travel, disability, or life insurance claim is denied</p><p>If you are dealing with an insurance denial, or you want practical guidance before you apply for coverage, FH&amp;P Lawyers is here to help with a clear, solution-focused approach.</p><p>FH&amp;P Lawyers | Rooted in community. Ready to help. </p><p><strong>This content is for informational purposes only and does not constitute legal advice.</strong></p><p>#TravelInsurance #InsuranceDenial #InsuranceClaims #Mediation #Arbitration #Litigation #DisputeResolution #BCLaw #FHPLawyers #LawTalkPodcast #KelownaLawyers #Okanagan</p>