Topic: Travel Insurance

John and Beryl had to cancel their $40,000 South American cruise when Beryl fell ill. The couple’s insurer only reimbursed them $20,000 because of a cancellation limit in their insurance policy. Was the insurer entitled to do this?

A person mistakenly takes the wrong bag from a baggage carousel. Is there insurance cover?

Should an exclusion clause for suicide allow an insurer to decline cover when a family member unexpectedly kills himself?

Pavati is pregnant and is told to have surgery on her varicose veins, while in India. Were the surgery and flight-change costs covered by an insurance policy?

Aja’s work travel was covered by her employer’s group insurance policy. Whilst overseas Aja needed monthly check-ups (and prescriptions) for ADHD and claimed the expenses under her insurance policy. The insurer declined the claim saying a number of exclusion clauses applied. Aja disputed the declinature.

Leonie doesn’t wear her rings during flights because her fingers swell; she keeps them in a black pouch in her handbag instead. Should her travel insurer pay out when the rings go missing?

Darshan was holidaying overseas when was told that his dog was ill. In order to ensure his dog was okay, Darshan flew home and resumed his trip at a later date. Can Darshan claim insurance for this interruption?

Kurt’s insurer declines his claim for lost income, because he made an ACC claim. Did the insurer interpret the policy exclusion correctly?

Lynley’s flights home to New Zealand are going to be delayed by more than 48 hours. Lynley takes daily medication, but only has enough tablets to cover her for 24 hours’ delay. Lynley books new flights to get her back to New Zealand within 24 hours. Does Lynley’s travel insurance policy provide cover for the costs of her new flights?

Jack injures his knee in Cambodia and suffers complications after surgery. Does Jack’s travel insurer have to pay him $30,000 in damages?