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Expensive jewellery lost

What happens if your travel agent arranges a policy extension to cover your expensive jewellery, but when you drop the jewellery in deep snow your claim is declined?

Toothache ruins trip

What happens if a minor toothache needs serious attention while you are overseas? Will your travel insurer cover you?

Is COVID-19 a cause or the cause?

COVID-19 led to Japan’s government closing its borders, which led to Mele’s flights being cancelled. Mele’s insurer declined her travel insurance claim, saying the claim was caused by a government interfering with her travel. Was this fair?

Two-week tour too long for insurance cover?

Hemi’s insurance claim was declined because his policy required him to hold return tickets to New Zealand for a trip of less than 60 days. Hemi’s trip was only scheduled for two weeks, but he couldn’t book his New Zealand flights until his overseas tour dates were confirmed.

Travel plan changes

What happens if there are lots of reasons why you change your travel plans?

Italy interferes with itinerary

Jemima booked a tour in Italy for May 2020. When Italy became a hotspot for Covid-19, she decided to cancel the tour in March. Jemima’s insurer declined her claim due to an exclusion in the policy for claims arising from government interference, because Italy went into lockdown just before she cancelled the trip.