Topic: Travel Insurance

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?

Edgar was travelling with a large group of young people and got delayed at customs. Can Edgar get his travel insurer to pay for his missed flights?

Thalia broke her daughter’s laptop when she went to stay with her in Australia. Her travel insurer declined to pay for the repairs to the laptop. Was the insurer correct in declining Thalia’s claim?

Akio had planned to travel to visit his father in Japan. Shortly before his planned trip, Akio’s father became very ill and Akio purchased new flights to travel to Japan immediately. Would Akio’s insurance refund him for the now unrequired later flights.

What happens if severe eczema ruins your holiday and you want to come home early?