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?
Topic: Travel Insurance
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.
Not a very merry Christmas
When the recollection of a night out differs from the medical evidence
Why is my insurance punishing me for being a good mother?
Cedric and Veronica had to cancel their trip to Australia when their son began to act out and wouldn’t communicate with them. When the travel insurer declined their claim, Veronica made a complaint to FSCL.
Where does the burden of proof lie?
Ken had to return home early from a trip to Peru because his mother died. She was 82 and had dementia. Ken claimed insurance for the cost of curtailment. His claim was denied on the basis that his mother’s dementia was a pre-existing medical condition. Ken claimed that when he booked the travel, some 6 months earlier, he could have no idea that his mother would pass away during the three weeks he was away.
What happens if I make a genuine mistake but it’s excluded from my policy?
Gerry applied for a visa online for his trip to India. He received a reply which stated his ‘application’ was confirmed. Gerry had received a similar response for his visa to Bhutan so thought he had all the necessary documentation. Gerry was denied permission to board his flight in Abu Dhabi because he didn’t have a valid visa for India. He claimed insurance for the costs of having to stay in Abu Dhabi for an additional 4 nights, and rebooking a new flight.
