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“I never said I’d pay for it, I thought you did!”

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?

Tooth troubles

Will your insurer cover the cost of treatment for an injury that occurs while you are on your journey after you return home?

“Left high and dry.”

Andrea has to cancel a trip to Hawaii when she suffers an unforeseen adverse reaction to a medication change.

Invaluable lesson: Do not place valuable items in your checked-in luggage

Rabindra placed valuable items in his checked-in luggage because he thought that this was the safest way to transport them. When he arrived back in New Zealand his valuable items were missing. Rabindra’s travel insurance company declined his claim because it considered he had not taken “reasonable care” by placing valuable items in checked-in luggage. Was the insurance company entitled to decline his claim?

Passport control: outside your control?

Is it reasonable for your travel insurer to cover costs you incur in changing your travel plans after you relinquish your New Zealand passport to the UK authorities, and do not receive it back before your scheduled return flight to New Zealand?

Nearly unattended

Bag stolen while being unpacked from a bus didn’t reach the threshold of “unattended”.

What happens if I’m not aware of my insurance policy?

In January Mei’s unlocked flat was burgled. After claiming for burgled goods under her international student insurance policy, Mei’s claim was declined because of an exclusion clause in the policy. Mei was disappointed with this, and claimed she had not received the insurer’s policy wording or an explanation of her policy.

A pain in the hip

Colin was unable to travel after an adverse reaction to medication prescribed to treat a pre-existing medical condition. Was Colin covered for cancellation costs?