Travel Insurance refused to pay as no return tickets
in Coronavirus Travel Help & Info
8 replies 349 views
Hello - i do hope someone can give me a good advice.
We travelled to France, Paris on 6th March this year and booked an accommodation until the 11th March as were planning to go home on that day. We didn't buy return tickets as we were not sure if to go by a flight or Eurostar due to [potential] health issues with my mother-in-law. On the 7th of March we discovered we had coronavirus, confirmed it by the required tests and notified the insurance company (CoverForYou). According to the French coronovirus rules at that time, we had to self-isolate for 10 days until the 16th March. We followed the insurance guadance and contacted our accommodation provider (a small company in Paris) who found us another accommodation from the 11th March till the 16th March. We bought tickets on the 14th and flew home on the 16th March - the first day we could according to the coronovirus rules in France on that time.
The insurance, after looking at our claim for nearly 6 months, finally got back to us agreeing to pay for our tests, some medication we bought but not for the additional accommodation from the 11th till the 16th.
The reason being:
Please note, as you had no return transport booked, we cannot look to cover the costs of the additional accommodation you had to purchase. Without evidence that you were planning to come home on the 11/03, then it's possible you were planning to stay longer and therefore would be liable for your own accommodation costs.
I know that we didn't have tickets but the reason we booked that accommodation until the 11th was exactly becasue we wanted to leave on that day. And we left the first day we could anyway. How else could i prove that we were going home on the 11th? Is the reason they are refusing us to pay is actually correct? I have looked at their wording and thewre is the following phrase:
We will pay you up to the amount shown in the schedule of benefits for reasonable additional transport (for example the cost to adjust your return flights) and/or accommodation expenses incurred, up to the standard of your original booking (for example all inclusive, full or half board, bed and breakfast, self-catering or room only), if you are required to stay beyond your scheduled return date due to either medically necessity or you being required to self quarantine (on the orders of a medical professional or public health board).
11th March was our scheduled return date and we booked accommodation up to that date - but how we can prove/argue that?
Any other thoughts are welcome
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