Topic: Travel Insurance

Should an insurer have to pay when ‘medical tourism’ goes wrong?

A government dispute between two nations lead to cancellations of Dean’s flights and he missed a connecting flight. Dean wanted to claim from the Insurer under his travel insurance, the expense of extra flights and was declined. Was the Insurer’s decision correct?

If you cannot provide proof of ownership your claim may be unsuccessful

Murray’s breathlessness hadn’t been diagnosed as heart-related when he purchased travel insurance – was the insurer allowed to decline his claim for cancellation costs?

A motorbike accident was caused when brakes failed, but the insurer declined the claim saying the loss was excluded because the insured did not have a motorbike licence. If the accident would have happened anyway, does it matter that the insured did not have a licence?

Could a medical condition almost 20 years ago be relevant now? And isn’t all surgery potentially ‘life threatening’?

Archie and Veronica had to cancel their European holiday when Veronica injured her leg. Their travel insurer paid for new flights home. But was the insurer required to pay for the costs of the original, cancelled flights as well?

Will your insurance cover you if want to come home early?

Kawa cancelled a tour he was to take with his friend Jason, when Jason fell ill and was unable to travel. Jason was refunded his trip, but Kawa wasn’t. Apparently, Jason wasn’t sick enough to need Kawa to stay back in NZ with him.

Renee had poor impulse control as a result of a brain injury and was hospitalised after drinking too much water. Renee had to cancel her planned trip to Italy but her travel insurer refused to reimburse her cancellation costs due to a mental illness exclusion.