Oliver lost his passport overseas, causing his stay to be unexpectedly extended. He made a claim under his credit card’s complimentary travel insurance, but the insurer declined to cover the additional expenses caused by the travel delay.
Melody’s travel insurance claim was declined because the insurer considered the cruise ship deck to be a public place.
After falling ill while travelling, Timothy and Anneke submitted multiple insurance claims. Delays and a lack of clear communication throughout the process left them feeling stressed.
Sally’s flight from Siem Reap to Hanoi was rescheduled for the next day. To avoid missing planned activities, she booked new flights without consulting her travel insurer. When she claimed the cost, the insurer declined, citing policy exclusions for airline delays or reschedules when an alternative flight is offered within 36 hours.
Anna cancelled her family trip after her mother‑in‑law in the UK became seriously ill and expected her credit‑card travel insurance to cover the prepaid accommodation, but the insurer declined the claim.
Ana suffered injuries overseas, but her travel insurer declined her claim because she left New Zealand without a return ticket, a key eligibility requirement for cover under her policy.
Mabel complained that the travel insurer had miscategorised her engagement ring as a valuable, resulting in her having less cover under the travel insurance policy
No insurance cover for undisclosed pre-existing medical conditions or changes in health
The insurer declined Ari’s $17,000 claim because she did not report the theft to local police within 48 hours.
Sam and Anna said the insurer did not pay out all they were entitled to under their travel policy and delayed in assessing their claim.
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