Travel Insurance - Claim denial

A case for what?
They are denying your claim because your loss was not caused by one of the covered circumstances.
Did the agent specifically state that you would be reimbursed in full?

 

You weren't quarantined.

 

No one who hasn't read the policy in full can intelligently assess the validity of your claim.

However, based solely on the wording quoted in the letter you attached, I can tell you the following:

It says that the company will pay up to some unspecified "Maximum Limit" in the event of one of several enumerated "Unforeseen events." I'll start by asking when you bought your tickets. If you bought them at any point since the spring of 2020, you'd have a hard time arguing that what you described was "unforeseen." On the other hand, since it says "unforeseen," rather than "unforeseeable," you're in a better position.

Looking at the list of "Unforeseen events" (which appears to be an exclusive list), I do not see that any of them apply to your situation. In one of your follow up posts, you referred to the word "quarantined" in item (b), but I'm not sure why. Nothing you have posted suggests that you were quarantined. The definition you quoted is all well and good, but the fact remains that, while some people have been quarantined or have been required to quarantine because of COVID, you were not quarantined. Nor was your inability to fly into England the result of a quarantine. A travel restriction and a quarantine are not the same thing.

This doesn't have any bearing on the potential validity of your claim.

"Zigner's" question was a factual question to which no one but you could know the answer.

 

Thanks for mentioning that - I got caught up on the "quarantine" question and missed that.

 

That doesn't make sense. Why would they pay you anything at all if there wasn't any coverage.

Yes. You're supposed to read and understand the policy when you buy it.

I would prefer to read the entire policy rather than just an excerpt.

The policy might have its own definition of "quarantine."

At any rate I tend to agree that you weren't quarantined. Especially since you were able to make alternate travel arrangements.

Certainly not a coverage interpretation nor any guarantee that any such claim would be paid.

 

Karthik: First, you should not respond within a quote box. Doing so makes it hard to distinguish any new content you have added.

Second, the PDF you attached is an email that quotes what the sender believes is the "pertinent part" of the policy. It does not contain the entire policy.

Third, the email says that the insurer is "unable to extent a claim payment for the amount beyond the $600.00." However, that doesn't explain why the insurer is willing to pay $600.00. The way that the email is written suggests there were previous emails in which $600.00 was offered (possibly along with an explanation). My guess (and it's nothing but a blind guess) is that the policy covered up to $600 in additional expenses regardless of the reason but would cover more than that only for the reasons specified in the quoted paragraph. Again, that's why the entire policy is needed for a full analysis of your situation.

 

I read the policy. There's no definition of quarantine in it. There is nothing on the list of covered causes regarding travel restrictions due to a pandemic. As with any "named peril" policy if it's not listed it's not covered.

What's left is to argue whether a travel restriction due to the pandemic is a quarantine.

I don't see it. You weren't ill. You weren't quarantined. The restriction applied to everybody, even healthy people.

I'm still at a loss as to why you got $600. Maybe just count your blessings.

Now that I (and others) have read the policy I deleted it because it contained your personal information.

 

Missed Connection + 1 day of Travel Delay would equal $600...just a shot in the dark.

 

You can ask anything you like, but you weren't quarantined, the insurer is unlikely to reconsider its decision and, if you pursued this matter in court, you'd lose.

 

Your last sentence is not true. In any case, you were NOT quarantined, as evidenced by your ability to book a different flight. Had you been quarantined, you would not have been able to book a different flight out.

 

Karthik, if you believe all that then it's time to consider small claims court. It's not us you have to convince.

I do not believe that we can be of any further help to you in this matter.

 

Done.