Topic: Travel Insurance

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?

Kristi’s bag was stolen from a hotel courtyard while her boyfriend was supposed to be looking after it. Kristi filed a claim with her insurer, but her claim was declined due to her bag being unattended in a public place when it was taken. Kristi feels her insurer misunderstood her claim as she wasn’t in public and her bag was near her boyfriend. Has the insurer got it right?

Matthew had to return early from an overseas trip and his travel insurance claim was declined. Four years later Matthew complained the insurer’s policy breached his human rights and contained unfair contract terms.

Ata was returning home from China following a business trip. Unfortunately for Ata, Chinese Customs agents confiscated two lithium ion batteries from his checked in bag because they were classified as hazardous goods. Ata claimed on his travel insurance for the two removed lithium ion batteries. Is the insurer liable to pay Ata’s claim?

Accidental death in a car crash excluded from cover because the insured was not wearing a seatbelt.

Brendon had travel insurance for a trip of a lifetime to Curaçao. Brendon was on a bus when he saw his suitcase being unloaded and given to another passenger. Brendon jumped off the bus and retrieved his suitcase, but by the time he had done so, the bus had driven off. To his horror, Brendon realised he had left a smaller bag and his wallet on his seat on the bus. Will Brendon’s travel insurance cover his loss?

Julie suffered from a heart condition while she was overseas which resulted in her needing expensive medical attention. Julie believed she had declared the condition during the medical assessment and paid a higher premium as a result, she would have cover. Did Julie disclose enough to obtain cover?