Topic: Travel Insurance

What happens if, even though there is a pandemic exclusion in your policy, your insurer tells you that Covid-19 claims will be covered?

Jess purchased a travel insurance policy just after seeing her doctor about some back pain. She did not disclose the back pain, because her doctor had said it was nothing to worry about. Later, the pain was diagnosed as a herniated disk, and Jess had to cancel her trip. Were her cancellation costs covered by her policy?

Maja’s pregnancy related costs were not covered by either government funding or her travel insurance policy. Is this fair?

The insurer announced Covid-19 as a ‘known event’ but did not tell David before he purchased his travel insurance. Is the insurer obliged to accept David’s claim?

Nisha and Mahendra do not accept their insurer’s decision to decline their claim for a cancelled trip to Australia, when Mahendra’s father falls unexpectedly seriously ill and later dies

Do you have to give your insurer all your medical history even if you think that information is unnecessary?

Emma’s backpack was stolen from her rental car while she was on holiday. Did her claim for the lost items fall within her travel insurance cover?

What happens if you do not think you need to tell your travel insurer about a benign tumour that will be removed before you travel?

In what circumstances does a decision not to travel because of Covid-19, trigger a ‘disinclination to travel’ exclusion clause?

What happens if airlines cancel flights due to reduced demand at the time you cancel your trip, but the border closures would have meant that your trip was impossible anyway?