Tooth troubles
Will your insurer cover the cost of treatment for an injury that occurs while you are on your journey after you return home?
Topic: Insurance
“The problem with P”
An apartment owner submits an insurance claim after the discovery of methamphetamine contamination at his apartment. The insurer declines the claim on the basis the contamination was not ‘in connection with manufacture, distribution, or storage.’
“Left high and dry.”
Andrea has to cancel a trip to Hawaii when she suffers an unforeseen adverse reaction to a medication change.
Poorly dog results in a costly bill
Simon’s dog fell ill and needed treatment. Simon submitted a claim for the veterinarian costs to his pet insurance company. However, the pet insurance company declined his claim because the illness had occurred within the policy’s 21 day stand down period.
Invaluable lesson: Do not place valuable items in your checked-in luggage
Rabindra placed valuable items in his checked-in luggage because he thought that this was the safest way to transport them. When he arrived back in New Zealand his valuable items were missing. Rabindra’s travel insurance company declined his claim because it considered he had not taken “reasonable care” by placing valuable items in checked-in luggage. Was the insurance company entitled to decline his claim?
Pre-existing medical condition indirectly causes loss
An insurer declines the travel expenses associated with a son’s return home for his father’s funeral because the father’s death was indirectly caused by a pre-existing medical condition
Business burnt when cover cancelled
Sawmill burns down days after arranging new insurance, but cancellation of existing cover leaves the business underinsured.
How long is too long to repair a flooded building?
Following a flood in June 2015, it takes 10 months for repairs to be completed. Did Bert’s insurer cause unnecessary delays in effecting those repairs?
Accidental damage or Mechanical failure?
Was damage to a motorbike caused by an accident, and covered by the policy, or mechanical failure due to wear and tear?
What’s my cover?
Nikki and Mark thought they did not have trauma cover and followed their adviser’s advice to replace their existing cover with a new policy including trauma cover. After discovering their original policy did provide trauma cover, they complain about the advice they received.
