Topic: Travel Insurance

Tina suffered an injury to her foot that required her to cut short her holiday in Japan and return to New Zealand. The insurer declined to pay Tina’s claim noting she had not obtained a medical certificate. Was this right?

Katie’s infant daughter was not allowed to board a plane in south America because the airline printed an incorrect boarding pass. Katie had to purchase new flights and accommodation to continue with her trip. Katie’s travel insurance company refused to reimburse her because the travel insurance policy excluded cover for incidents arising from the airline’s negligence.

After the vehicle Johanna and Jack were travelling in to the airport was hijacked and stolen, their travel insurer declined their claim. Was the insurer able to decline the claim?

Ali and Hans booked a deluxe train trip through the french Riviera. The trip did not go as planned and they missed a piece of their tour. Ali and Hans do not think that the refund they were offered from the tour company is enough. They want their insurer to cover the missed portion of the tour.

Should an insurer have to pay when ‘medical tourism’ goes wrong?

A government dispute between two nations lead to cancellations of Dean’s flights and he missed a connecting flight. Dean wanted to claim from the Insurer under his travel insurance, the expense of extra flights and was declined. Was the Insurer’s decision correct?

If you cannot provide proof of ownership your claim may be unsuccessful

Murray’s breathlessness hadn’t been diagnosed as heart-related when he purchased travel insurance – was the insurer allowed to decline his claim for cancellation costs?

A motorbike accident was caused when brakes failed, but the insurer declined the claim saying the loss was excluded because the insured did not have a motorbike licence. If the accident would have happened anyway, does it matter that the insured did not have a licence?

Could a medical condition almost 20 years ago be relevant now? And isn’t all surgery potentially ‘life threatening’?