Topic: Travel Insurance

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?’

What happens when a doctor will not say how someone died to allow an insurer to process the claim?

You are a student in New Zealand and require expensive dental treatment – does you your student policy cover this expense?

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.

Travel insurance policy limited to cover for lost travel documents, not the disruption to travel caused by the loss

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?

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.

After drinking with strangers while overseas, Hugo fell asleep giving them the opportunity to steal from him.

When the recollection of a night out differs from the medical evidence

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.