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

The downside: Their journey was not technically “interrupted,” since they spent all 18 nights aboard. Several occasions in my conversations with insurance coverage executives I heard the phrase “You’re not covered for loss 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 have been canceled and one other delayed, all due to the climate, the following flight they have been booked on was canceled due to a crew scarcity, and he and his spouse have been caught in Calgary in a single day. Alan had paid for his journey with an HSBC bank card that gives journey insurance coverage via Assurant.

The subsequent day, with no phrase from WestJet on after they might fly, they known as Assurant, which advised them it could cowl an AirCanada flight house. Alan filed claims for lodge bills from WestJet and reimbursement for the flight from Assurant. WestJet rejected the lodge request, and the letter it offered Alan to be able to file a declare with Assurant mischaracterized a minimum of two of the cancellations and targeted on the crew scarcity of the ultimate flight — a scenario not coated by insurance coverage.

A spokeswoman for WestJet, Madison Kruger, mentioned the airline had erroneously rejected the lodge declare and would pay. Linda Recupero, a spokeswoman for Assurant, which administers the HSBC coverage, mentioned 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 optimistic for Covid and was denied boarding on a Greek Islands cruise in May 2022, a scenario clearly coated beneath the journey cancellation coverage offered by her Chase Sapphire Reserve bank card. But when Chase’s third-party administrator tried to confirm that the cruise line had not reimbursed her for the $11,000 cruise, they have been advised she’d gotten a $250 refund someplace alongside the way in which. Jacki was not knowledgeable of this combine up till almost a 12 months later. She wrote to me with the topic line “Insurance stand-off.”