Travel insurance and multileg international flights?

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Batman

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#240458 9-Sep-2018 07:46

Hi, got a question to those well educated.

Say you book flights NZ - China - India - Dubai - NZ. Hypothetically speaking. (Not actual route)

Say just before you depart NZ, China becomes a restricted travel, say because of an earthquake or something, and travel insurance is activated.

But you still have a lot of activities booked in India and Dubai. (Combination of Recreational & Business)

Is there a policy that will get you to India and Dubai at short notice?

PeterReader

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#2086294 9-Sep-2018 07:46

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itxtme

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#2086304 9-Sep-2018 08:28

You need to read the policy details to be sure. They have scetions exactly on this topic. Be aware that just because soemthing happens and there is a travel advisory it does not mean that the insurance will cover you, as while travel is maybe discouraged its not been banned per say.

They will generally pay the costs that arent covered by refunds from the provider (airline etc). And they will do the cheapest option, so you going on to next destination would be on there priority list, they just arent going to pay for you to be in that new place for 5 days until you catch up with your itinerary.

Example for us was the massive floods in Bangkok a number of years back, advisory suggested avoiding non essental, rang the insurance company would not cover any cancellations/change of flights or hotels as it was still possible to travel there. In saying that the airlines offered free changes or refunds. We ended up going, and it was fine there, quite a sureal trip with cars parked on the sky freeways.

sbiddle

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#2086352 9-Sep-2018 09:25

There isn't a simple answer to this question.

You need to read the insurance PDS in full and if you have questions ask the travel insurance provider.