Holiday in Disney world Orlando gone wrong

Westin

Did you contact your travel insurer whilst in Orlando?  They would have offered help and support and a joint decision made on whether flying home early was the best course of action.  Had flying back early been agreed then the insurer may well have taken care of the new arrangements.  If you did not contact them then it may appear that it was your decision to cut the holiday short. You curtailed the holiday.

For the reasons above the travel insurer may or may not agree to repaying the £555 cost for the flight amendments.

I don’t see that Walt Disney World Resort, or Virgin are responsible to repay you for the rest of your holiday.  As others have pointed out that really is a travel insurance claim as well.  You yourself seem to acknowledge that neither of those two parties are responsible for the accident so why do you think you should raise a chargeback and penalise them financially? Whether or not they could or did utilise the hotel room after you left is really irrelevant.

For now, having found the correct way to make the insurance claim, I think you just have to wait for the insurers decision.

born_again

kev_lah said:

Keep_pedalling said:

You are just going to have to rely on the insurance company, the airline and Disney have no obligation to refund you for something that was not their fault.

So I am trying to reclaim unused holiday. I haven’t said it’s there fault but no one is helping me. 

I'm surprised that someone at bank said you can do a chargeback.. Wonder if it was a call center staff who would not know the regulations around chargebacks.🤷‍♀️

As that is not the case, due to it being your decision to come home early.

Did you contact insurance company when the accident happened & take their advice?

SaverRate

Westin said:

Did you contact your travel insurer whilst in Orlando?  They would have offered help and support and a joint decision made on whether flying home early was the best course of action.  Had flying back early been agreed then the insurer may well have taken care of the new arrangements.  If you did not contact them then it may appear that it was your decision to cut the holiday short. You curtailed the holiday.

For the reasons above the travel insurer may or may not agree to repaying the £555 cost for the flight amendments.

I don’t see that Walt Disney World Resort, or Virgin are responsible to repay you for the rest of your holiday.  As others have pointed out that really is a travel insurance claim as well.  You yourself seem to acknowledge that neither of those two parties are responsible for the accident so why do you think you should raise a chargeback and penalise them financially? Whether or not they could or did utilise the hotel room after you left is really irrelevant.

For now, having found the correct way to make the insurance claim, I think you just have to wait for the insurers decision.

When I have taken out travel insurance the documentation says to always phone them in a medical event. As Westin has said they may refuse to pay out now but you need to check your documentation says in the event of a medical issue.