Topic: Travel Insurance

Did the insured take reasonable care to avoid the theft of jewellery from a locked suitcase in an unlocked room in a private guest house?

Amy was in Thailand celebrating New Year when she was admitted to hospital. Although Amy had consumed a considerable amount of alcohol medical opinion was divided about the cause of her hospital admission with pesticide poisoning or gastroenteritis also possible causes. Was the insurer right to exclude Amy’s medical expenses claim?

A totally and temporarily disabled pilot queried the compensation offered by his insurer.

Anthony planned a trip to Europe. Unfortunately before Anthony was due to depart, he became ill and had to cancel. His insurance company declined his claim because it considered that Anthony had not disclosed his pre-existing medical condition.

Caroline and John booked an overseas trip. Before they were due to depart, John suffered a stroke and they had to cancel their trip. Their insurance company declined their claim for cancellation costs under the policy’s pre-existing medical condition exclusion clause.

Insured goods left unattended in a public place.

Misleading information led the insured to believe the scope of cover was wider than the insurer intended to offer.

Karen’s daughter, Harriet, went to the United Kingdom for a year’s exchange. Prior to Harriet’s departure she suffered a cardiac arrest. Harriet left for her exchange as planned. However her travel insurance company said that any losses resulted from a heart-related event would not be covered.

Insured failed to take reasonable care of his property when he left his bag in the baggage storage area on a public rickshaw, with people getting on and off, 2.5 metres away from where he was sitting while he was sleeping.

Jake suffered a traumatic experience during his stop-over in Kuala Lumpur on the way to the United Kingdom. After visiting a bar for a few drinks, Jake said he was drugged and mugged. His insurance company declined his claim because he had been drinking prior to the incident.