Topic: Travel Insurance

What happens if the country you are travelling in goes into lockdown as a result of Covid-19 and you decide to abandon the tour you had planned?

Alice claimed on her insurance for a cancelled cruise after she was advised that she had an increased risk of health issues if she caught Covid-19. Alice’s insurer declined her claim pointing out her policy had an epidemic/pandemic exclusion clause

What happens if your travel insurer applies depreciation to an item that has actually increased in value?

Sonny’s trip to Guatemala was cancelled when the country closed its borders due to Covid-19. Sonny’s insurer declined his travel insurance claim

Rachel and Wiremu booked a holiday to Japan in June 2019 and arranged travel insurance. Rachel disclosed that Wiremu had a heart murmur. Unfortunately, Wiremu had to cancel the holiday because of a heart problem and the insurer declined the claim because the problem was not a murmur. Could they do so?

Jonida’s insurance claim for emergency flights home had been accepted. However, the insurer had deducted $800 from the claim to account for a refund Jonida had received from her airline. Had the insurer treated this refund fairly?

Paulo knew he was having health problems but didn’t have a diagnosis. Does this still fall within a pre-existing medical condition exclusion?

Benedict’s doctor tells him to cancel his trip because the risks posed by Covid-19 are too great, but the insurer says Benedict cancelled the trip because of border closures – is Benedict’s claim valid?

What happens if the airline you have booked tickets on goes broke and you are left stranded in an overseas airport?

How does your insurer decide whether you are well enough to travel home or whether you should be treated overseas?