outofofficebrb
HARRO HUNNAYYY
I have experience with both issues:
1) My insurance company is very clear that they need receipts that detail the amount of money you spent on any claimed item. Missed a dive on a LOB? Then I need to produce a receipt for the cost of THAT dive. Oops, a LOB is an All Inclusive. How much does a dive cost? In order to make a claim you need a receipt from the LOB operator for the cost of a dive.
The issue is that the insurance company needs a third party (not you!) to establish the free market price of the service that was not provided to you.
2) My insurance company covers all trip interruptions for any reason. BUT: once again they will only pay (up to their daily limits for interruptions) based upon my submitted receipts. Note that trip interruption insurance is not about paying you for things you missed - it is about paying for things that allow you to continue your trip (or get home).
A simple example is you are on a cruise ship and slip and fall and smack your melon. You get sent to the local island hospital and the cruise ship leaves without you. My trip interruption insurance will fly me to the next island the next day to catch up with the cruise ship. They will not pay for my missed supper, but will pay for any meal that I can provide a receipt for (up to their daily limits).
Hi, @giffenk. I believe you were the same poster in another thread that mentioned their Ontario insurance product covering anything and everything for interruption and cancelltion. I read the fine print and posted my findings in the other thread weeks ago but I will post it here below as well regarding your insurance company covering any and all trip interruptions for any reason. I've added a few extra points.
I don't know if you have read my policy coverage but in the case of diving as it pertains to liveaboards or day trips, my policy would cover me for the missed dives if they have been pre-paid for and non-refundable.
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This is an "example policy" that they have under "Travel Insurance 101". https://on.bluecross.ca/images/docs/Ont_Sample_Policy-en.pdf
For trip cancellation or interruption benefit, "The Insurer shall pay the benefits specified below, subject to the definitions, limitations, conditions, exclusions and reductions of coverage of this contract, in the case of an accident, illness or other unforeseen fortuitous event that is beyond the control of the covered person or traveling companion. The event must be sufficiently serious, directly affect the covered person or the travelling companion and require that the trip be cancelled, interrupted, extended or modified." We could argue someone with DCS on the boat and having to cancel/interrupt the trip to get them to a chamber directly affects the covered person in that their trip is cancelled/interrupted. Or....do they mean the insured person and/or traveling companion must actually be in an accident or have an illness or unforeseen fortuitous event themselves?
Their definition of an illness means "a deterioration in health or an organism disorder certified by a physician. In the case of trip cancellation, this deterioration or disorder must be serious enough to prevent the covered person from continuing his trip as planned. Pregnancy is not considered to be an illness, except in the case of pathlogical complications arising within the first 32 weeks." Their definition of "Accident" means "unintentional, sudden, fortuitous and unforeseeable event due exclusively to an external cause of a violent nature and inflicting, directly and independently of all other causes, bodily injuries during the period of coverage". This suggests that the bodily injuries must be directly to the insured/covered person or traveling companion and would not apply if someone else had an accident.
As expected, there are pre-existing conditions exclusion as well. A lot of good questions when you read the fine print. Depending on the answer to the few points above, what is actually covered or not covered can change quite a bit. It may not necessarily be any and all reasons as you mention.