Topic: Travel Insurance

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?

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.