Topic: Travel Insurance

Your travelling companion gets a health check-up before you book a cruise to ensure he’s fit to go. You buy insurance and book the trip but before the cruise your travelling companion suffers from an illness and is hospitalised. You cancel the cruise and claim for your non-refundable losses from your travel insurance. Your insurer declines the claim and says that your travelling companion’s illness is because of his general decline. What can you do?

The Complainants wanted a refund for their cancelled cruise, and for the cost of their flights home. Their travel insurer wouldn’t pay for both. What were the Complainants entitled to?

Marcia and Sherlock were on holiday in Thailand. During their stay in Bangkok Marcia and Sherlock were directed by a local guide to a travel agency, Super Tours Thailand (Super Tours), supposedly a government approved agency specialising in local tours and travel.

John and Jacqui booked a round the world cruise beginning and ending in Auckland. A week in to the cruise, Jacqui fell seriously ill and was diagnosed with chronic obstructive pulmonary disorder.

While on holiday with his family in America Adrian developed a deep vein thrombosis disrupting his travel. Adrian had suffered from a DVT before and had a blood clot following surgery 6 months prior to travel. Adrian’s travel insurer declined his claim, and FSCL investigates.

Donald and Sarah booked a seven week trip to the UK, Europe and North Africa, including a 10 day all inclusive tour in Morocco towards the end of their holiday.

Helen and her partner Brian were travelling in Europe when they received tragic news that Helen’s son, Andrew, had taken his own life. This led to a difficult investigation into whether Helen and Brian were covered under their travel insurance policy for the costs of returning immediately to New Zealand.

If you cancel travel on advice from a doctor, will this mean there will be no cover under your insurance policy?

Cancellation of travel – What are your obligations to re-arrange your travel before you cancel your trip?

The Complainants were on a disrupted cruise. Can they claim for the disrupted days?