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

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”?In this episode of FH&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.Clay and Wendy discuss: ✅ Why travel medical claims get denied, even when people believe they answered honestly✅ How application questionnaires and “yes/no” checkboxes can create serious risk ✅ The role historical medical notes can play in a denial decision ✅ Why people often do not know what is written in their clinical records ✅ A real-world example of a six-figure claim denial resolved without starting a lawsuit ✅ How negotiation and clear medical explanations can move a file toward resolution ✅ Why you should still buy travel insurance and read your policy terms ✅ What to do if your travel, disability, or life insurance claim is deniedIf you are dealing with an insurance denial, or you want practical guidance before you apply for coverage, FH&P Lawyers is here to help with a clear, solution-focused approach.FH&P Lawyers | Rooted in community. Ready to help. This content is for informational purposes only and does not constitute legal advice.#TravelInsurance #InsuranceDenial #InsuranceClaims #Mediation #Arbitration #Litigation #DisputeResolution #BCLaw #FHPLawyers #LawTalkPodcast #KelownaLawyers #Okanagan