Appendicitis reoccurs
What if your doctor and your insurer disagree about whether appendicitis is a pre-existing medical condition?
Topic: Travel Insurance
“How am I meant to know my conditions are related? I’m not a doctor.”
Tim had a double bypass and aortic aneurysm a number of years ago, but had suffered no issues since. His medicine for these conditions hadn’t changed in a number of years. After declaring these conditions in his medical declaration, Tim obtained travel insurance with these conditions excluded from the policy. Days before he left on his trip to South Africa, Tim experienced major ‘cramp’ in his leg and could no longer travel. Did he have cover?
“Who’s the wisest doctor of them all?”
Bob and his wife were travelling to Norfolk Island. Because he had experienced previous heart issues, Bob purchased more expensive insurance with better cover. Before take-off Bob, who also had a history of panic attacks, had an ‘episode’ on the plane. The paramedics recommended he didn’t fly. The insurers declined his claim because of an exclusion clause to do with panic attacks. Bob believed he wasn’t allowed to fly because of his heart. Was the insurer right to attribute the episode to a ‘panic attack?’
Pre-existing medical conditions and cause of death
What happens when a doctor will not say how someone died to allow an insurer to process the claim?
Getting to the root of the problem
You are a student in New Zealand and require expensive dental treatment – does you your student policy cover this expense?
Stories don’t align
A man leaves his laptop on a table on a busy street in Chiang Mai while he pops around the corner to relieve himself, only to find when he returns that his laptop has vanished into thin air.
Stranded without a passport
Travel insurance policy limited to cover for lost travel documents, not the disruption to travel caused by the loss
Krakow caper
Patrick fell for a credit card scam when enjoying a drink at a bar in Krakow. Should his travel insurer have to compensate him for his loss?
“What happens if I fall sick after I have purchased my tickets but before my insurance kicks in?”
Sandra bought tickets to Australia for her and her husband Chad. Subsequently, Sandra purchased travel insurance. Within a week of purchasing the insurance policy, Chad falls ill and was advised not to travel by his doctor. As a result, Sandra and Chad cancelled their trip and sought insurance to cover the non-refundable costs.
The Hangover
After drinking with strangers while overseas, Hugo fell asleep giving them the opportunity to steal from him.
