Topic: Travel Insurance

What happens if you booked airline tickets in February 2020 and your travel is disrupted by Covid-19? Will you be covered?

Mahalia was booked to travel to the Bahamas in April 2020. In March 2020, New Zealand went into lockdown and the Bahamas closed its borders. Could Mahalia’s insurer decline her trip because a government had interfered with her trip?

Will your insurer be obliged to cover your costs if you need to return home to New Zealand from overseas?

When the Malaysian government announced that it was about to close its borders due to Covid-19, Maree thought that might prevent her from getting home to New Zealand, as her flight was not due to depart Malaysia until after the border closure. She quickly booked an earlier flight home. Was the travel insurer right to reject her insurance claim for the replacement flight?

What happens if you leave shopping where it can be seen from outside your car and thieves break-in stealing other items you have attempted to conceal?

What happens if you disclose a medical condition, but you fail to complete the process to ensure cover? Is your insurer liable?

Yasmin’s travel is disrupted by Covid-19 when a port refuses her ship entry to the Cayman Islands.

Petra’s insurer only paid her three-quarters of the costs of her cancelled trip because there was a limit in her policy for lost travel deposits. Petra thought this limit shouldn’t apply to her claim because she paid for the trip in full rather than by deposit.

When Nigel suffers his second allergic reaction within a few months, his insurance claim is declined by his travel insurer

Should the insurer reimburse both the cost of Bridget’s cancelled cruise and her journey alteration costs?