The main mistakes of tourists that can lead to insurance denial have been named.

      July 13, 2026 14:00 Society Even a formal travel insurance policy can turn out to be useless if the traveler has not considered important insurance conditions. This was stated by Roman Shcheglevatykh, Vice President of the All-Russian Union of Insurers, to NIA "Nizhny Novgorod." According to him, one of the most common mistakes is independently going to the hospital and paying for treatment without prior contact with the insurance company. "If a tourist goes straight to the clinic and pays themselves, the insurance may refuse or reimburse only the amount within the limits set by the insurance rules, rather than the actual expenses," the expert noted. Additionally, errors in the policy data, such as an incorrect travel date or country of stay, can also be a reason for refusal. Shcheglevatykh also reminded that insurance does not cover treatment if the tourist was in a state of alcohol intoxication, as well as planned treatment for chronic diseases without the appropriate option. For more details on how to protect yourself while vacationing abroad, read the full article. NIA "Nizhny Novgorod" has channels on Telegram and MAX. Subscribe to stay updated on major events, exclusive materials, and timely information. Copyright © 1999—2025 NIA "Nizhny Novgorod." When reprinting, a hyperlink to NIA "Nizhny Novgorod" is mandatory. This resource may contain materials 18+