Help! My Tour Got Canceled But Travel Insurance Won’t Pay

The issue: Their journey was not technically “interrupted,” since they spent all 18 nights aboard. A number of instances in my conversations with insurance coverage executives I heard the phrase “You’re not lined for lack of enjoyment,” however I imagined this making use of to per week of rain at a Caribbean resort, not an Antarctic cruise that by no means makes it to Antarctica.

I additionally heard from a reader named Alan, of Vaughan, Ontario, a few nightmarish return from Vancouver to Toronto throughout final Christmas season’s storms. After three WestJet flights had been canceled and one other delayed, all due to the climate, the subsequent flight they had been booked on was canceled due to a crew scarcity, and he and his spouse had been caught in Calgary in a single day. Alan had paid for his journey with an HSBC bank card that gives journey insurance coverage by Assurant.

The following day, with no phrase from WestJet on once they might fly, they referred to as Assurant, which instructed them it could cowl an AirCanada flight house. Alan filed claims for resort bills from WestJet and reimbursement for the flight from Assurant. WestJet rejected the resort request, and the letter it offered Alan to be able to file a declare with Assurant mischaracterized at the very least two of the cancellations and targeted on the crew scarcity of the ultimate flight — a state of affairs not lined by insurance coverage.

A spokeswoman for WestJet, Madison Kruger, stated the airline had erroneously rejected the resort declare and would pay. Linda Recupero, a spokeswoman for Assurant, which administers the HSBC coverage, stated that she couldn’t touch upon the case, however that the corporate has been in contact with Alan to assist with future steps.

In one other case of snarled communication, Jacki of Englewood, Colo., examined constructive for Covid and was denied boarding on a Greek Islands cruise in Could 2022, a state of affairs clearly lined below the journey cancellation coverage offered by her Chase Sapphire Reserve bank card. However when Chase’s third-party administrator tried to confirm that the cruise line had not reimbursed her for the $11,000 cruise, they had been instructed she’d gotten a $250 refund someplace alongside the way in which. Jacki was not knowledgeable of this combine up till almost a yr later. She wrote to me with the topic line “Insurance coverage stand-off.”