Pandemic travel problems
Sally’s trip to China is cancelled and her claim is declined under a ‘government interference’ exclusion clause
Topic: Travel Insurance
Symptoms not disclosed.
Claire did not disclose symptoms to her insurer. Was the insurer entitled to decline her claim for costs to see doctors to get a diagnosis?
I’ve taken responsibility for the damage I caused – but am I ‘liable’?!
Jake accidentally spilt some paint in his friend’s apartment when he was visiting. Jake agreed to pay for the damage, and later made a claim under his travel insurance policy. Jake’s insurer declined his claim because they didn’t think he was ‘legally liable’ to pay his friend.
Insurer agrees to cover Covid-19 claim
What happens if, even though there is a pandemic exclusion in your policy, your insurer tells you that Covid-19 claims will be covered?
Undiagnosed back pain leads to declined claim
Jess purchased a travel insurance policy just after seeing her doctor about some back pain. She did not disclose the back pain, because her doctor had said it was nothing to worry about. Later, the pain was diagnosed as a herniated disk, and Jess had to cancel her trip. Were her cancellation costs covered by her policy?
Pregnancy and childbirth costs not covered by insurance
Maja’s pregnancy related costs were not covered by either government funding or her travel insurance policy. Is this fair?
When you know something I don’t know
The insurer announced Covid-19 as a ‘known event’ but did not tell David before he purchased his travel insurance. Is the insurer obliged to accept David’s claim?
My father’s condition wasn’t pre-existing
Nisha and Mahendra do not accept their insurer’s decision to decline their claim for a cancelled trip to Australia, when Mahendra’s father falls unexpectedly seriously ill and later dies
How much information does an insurer need?
Do you have to give your insurer all your medical history even if you think that information is unnecessary?
Insurer agreed to overturn decision to decline claim
Emma’s backpack was stolen from her rental car while she was on holiday. Did her claim for the lost items fall within her travel insurance cover?
