Medical claims and change to travel plans

Discussion in 'Travel Insurance' started by Foreigner, May 25, 2014.

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  1. Foreigner

    Foreigner Established Member

    Mar 29, 2006
    When travel plans change as result of illness, requiring extended hotel stay and purchasing of new tickets (in same class as original itinerary) what do insurance companies expect in support of claims, other than bills for medical, hotel and new tickets? (and medical certificate, of course.)

  2. Simo

    Simo Established Member

    May 22, 2011
    Sunny Coast
    I would ask your TI company exactly what they need.

    They might need medical records before you went to make sure it was not a pre-existing issue that might not be covered.

    Not sure what the issue is either.
  3. grapefruitmoon

    grapefruitmoon Junior Member

    May 23, 2014
    I think insurance companies can help for medical bills if only you have claims from hospital. If you want to change your flights, not buy a new one, etc, you need to buy flight protection from airlines (separate from insurance). that's what I understand.
  4. Cynicor

    Cynicor Established Member

    Jun 13, 2007
    That's not correct at all. It comes down to the PDS, but TI will reschedule you, pay for cancellations or whatever. You should not require multiple insurance policies, as much as the airlines would like to sell you their crazily marked up "deals".
  5. grapefruitmoon

    grapefruitmoon Junior Member

    May 23, 2014
    Last time I flied with KLM and they rescheduled my flight from Amsterdam to Fukuoka, transit in Beijing 5 days before date of departure, then it was more than 50-hour-transit in Beijing, and I was kept right before depart, because I didn't have Chinese visa. Hence I claimed insurance but they said it belonged to PDS, not TI....
  6. mannej

    mannej Senior Member

    Mar 16, 2009
    I am sorry but you are getting terms confused. PDS = Product Disclosure Statement. It isn't another type of insurance.
  7. coles525

    coles525 Established Member

    Whats with all this new age crap? The real wording: Conditions of Use! "And the conditions are?" OR "What may I ask is written in the PDS (Pretty Dumb Supervisor?)".

    To me it will always be the conditions of use, why? Cause thats what says the CONDITIONS!

    gripe: I hate how it's changed to a stupid way of saying conditions of use!

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