Coronavirus: claiming for cancelled trips
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at 09:15 by FaroFlyer.
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SimonS1Participant[postquote quote=992075][/postquote]
I would expect insurers to be all over the ‘pre-existing’ bit.
I have a trip booked, it’s starting to look a bit dicey so I take out insurance and then expect the insurer to foot the bill. Can’t see that working. Unless perhaps renewing an annual policy.
29 Feb 2020
at 17:53
MartynSinclairParticipantI doubt very much that any flight could have a successful claim for cancellation if the insurance policy was commenced even a week after the tickets had been purchased.
What I find more interesting is that there is a need to discuss this. Surely we should already know…
I agree Simon, a BT article on travel I surance is long overdue…..
29 Feb 2020
at 20:48
PhilipHartParticipantI doubt very much that any flight could have a successful claim for cancellation if the insurance policy was commenced even a week after the tickets had been purchased.
What I find more interesting is that there is a need to discuss this. Surely we should already know…
Make up your mind. Either you “doubt very much” – implying that you are not certain of the facts – or “Surely we already know” – which implies that you are certain.
It can’t be both. So which is it?
29 Feb 2020
at 21:20
MartynSinclairParticipant[quote quote=992099]Make up your mind. Either you “doubt very much” – implying that you are not certain of the facts – or “Surely we already know” – which implies that you are certain.
It can’t be both. So which is it?[/quote]
My point Philip is travel insurance remains one of the most misunderstood policies because it is generally bought on price without consideration of benefits. I have been looking for a broker to research the policies available and recommend a policy that suits MY specific needs – I have not yet found such a broker.
Whilst clearly you can purchase travel insurance AFTER purchasing a holiday or a ticket, why would you? Inst a case of just trying to beat a peril that was not in play at the time of purchase – like this new virus and subsequent cancellations.
Who on earth would have thought a month ago that the Geneva Motor Show is not cancelled…
1 Mar 2020
at 09:05
capetonianmParticipantIt is a minefield due to so many grey areas and lack of understanding of terminology.
Unfortunately the pre-existing condition or circumstance is a catch-all to protect the insurers, and whilst clearly it needs to exist to prevent fraud and abuse, it needs to be clearer, but as each circumstance is different, I wonder how this is possible.
I was in UK when my father was ill in his late 80s but I wanted to go back to ZA for a couple of weeks, I took a gamble and bought a ticket as you can’t put your life on hold. A young fit person can drop dead tomorrow from an aneurysm, or an old and sick person can soldier on for months or years. A week before I was due to go I mentioned this to the consultant, a charming Indian gentleman, at the hospital, and he said in my position he wouldn’t go, so I cancelled the ticket. Weeks later, not expecting to get anything back, I wrote to the travel insurance company and contrary to my expectation they paid the claim in full and without quibble.
I also often wonder how insurers define a ‘terminal diagnosis’. We all die of something at some point, so at its most extreme, life has a terminal diagnosis. Some dread diseases may not kill for many years, and others can worsen and kill within days from diagnosis.
1 Mar 2020
at 09:24
capetonianmParticipantI also often wonder how insurers define a ‘terminal diagnosis’.
The insurers call it a ‘terminal prognosis’ usually and in the context it has never been clear what the difference. Is anyone able to clear that up?
1 Mar 2020
at 11:21
MarcusGBParticipantI read an article on travel insurances from the BBC that fed through to my phone, in terms of Lead articles, and from a travel expert on this cancellation subject.
He statedclearly , that the Insurers or Hotels and Airlines, are only obliged at present, in areas where your Government advice is “Not to travel to … Country or region.
they also have get out clauses to state that they do not covere Natural disasters, civil unrest, or for outbreaks of health related claims, unless advised by National governments.So currently, unless there are bookings we have that are not to areas such as S Korea, North Italy, designated areas where the Government advice is “Not travel to “X”, they have no obligation, and we have to rely on the Airine, or Hotel’s discretion.
That is the legal stance at this time.1 Mar 2020
at 20:06
MartynSinclairParticipantA decision on the Olympics will need to be taken soon. If there are to be any changes which affect the travelling public, I wonder how the travel insurance and airlines will deal with potential claims. Hotels in Tokyo, must be bracing themselves….
1 Mar 2020
at 21:30
K1ngstonParticipant[postquote quote=992078][/postquote]
AnthonyDunn, my understanding is that your wife would fall into the “High Risk” categories and therefore it best for her to be very careful I am sure that’s something you dont want to hear, but from the information I am getting the fatalities to date have been from those with lowered immune issues, and that is why in “real terms” the fatality rate is still low compared to those who are contracting the virus
Of course I sincerely hope and pray for your wife’s continued recovery… K
2 Mar 2020
at 02:42
Tom OtleyKeymasterThe link through from the AMEX site to AXA travel insurance doesn’t work – must be the sheer weight of traffic.
https://secure.axa-travel-insurance.com/2 Mar 2020
at 14:50
biguli76ParticipantTAP Air Portugal is the worst ever.
I live in the yellow zone of North Italy, Lombardy.
I booked an eco flight to ORD but since yesterday italian citizens are checked at departure and the arrival in US.
If You have just a cold, You have to quarantine in US.. 14 days.
Ok, I call costumer service of TAP and an idiot told me I can change my scheduled departure till 30th Apr 20 only.
No free and full refund, no change destinations options.
Nothing.
Please pay attention just in case You book with them. They do not respect basic EU rules.3 Mar 2020
at 16:58 -
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