Author Topic: Insurance: Definition of "Natural Disaster" in policy & trip cancel due to it  (Read 3290 times)

Offline pohui

  • This is my travelog..
  • Traveller
  • *
  • Posts: 39
Hi guys,

I will be traveling to a place that is during typhoon prone period (as I was only told recently).

In event that days before depart, should typhoon hit that particular region. Would there be a policy that allow me to cancel my trip and claim compensation if weather conditions deemed unfavourable to travel or if I decided not to travel at my own decision because of the said condition for safety reason?

I did googled around and found out that some travel insurances do compensate should natural disaster takes place before depart, although I'm not quite sure if there's T & C tied to the condition before claims can be make as details are kinda brief.

Thanks for any advice...

Offline ScarletStarlet

  • Newbie
  • Posts: 9
Hi Pohui

It is best if you can download and read through the policy wordings from the respective insurance sites on their definitions.

I am currently looking for a travel plan myself and came across one that sounded good and with high coverge (one can claim for medical expenses within 7 days upon return to home country if the illness was contracted during the trip). Upon close review, I found out that they will only reimburse if the you seek medical attention from their list of approved medical centres / specialists).

Most policies will not cover you if you are already aware that the country has been hit by a natural disaster and/or news of the natural disaster has been broadcasted prior to your purchase of the policy.

Some information that I found from reviewing a few different policies:

- pickpocket is not considered as theft for some policies
- if you wants to make a claim for lost baggage, receipts / proof of purchase of the contents in your luggage have to be provided in order for the insurance companies to make an assesment of the claim amount.
- Lost credit card: have to call the insurance company first and let them report the loss on your behalf. If you call your bank directly, they will not reimburse your call charges and fees associated with the replacement.

You get the idea.