Which of the following scenarios might lead to a denial of a travel insurance claim?

Seeking treatment for a pre-existing condition can lead to a denial of a travel insurance claim because most travel insurance policies contain specific exclusions for pre-existing conditions. This means that if an injury or illness comes about as a result of a condition that existed before the policy was purchased, the insurance company may not cover the cost related to that condition. Travel insurers typically require medical stability or have waiting periods prior to coverage for pre-existing conditions, and failing to meet these requirements can result in a claim being denied.

In contrast, traveling due to a family emergency would typically not result in a denial, as most policies are designed to cover unforeseen events. Accidental injuries incurred during sightseeing are generally covered as unexpected and legitimate claims. Illness from seasonal allergies may not lead to a denial as long as the condition does not fall under the pre-existing clause, which emphasizes that whether a claim is valid often depends on the specifics of the situation and how the policy articulates coverage for existing medical issues.