Julie Noel and her husband, Chris, had been on holiday in New York for four hours when she received a phone call to let her know that her mother had died.
She knew immediately that the dream trip was over and the only thing to do was head home. The accommodation was cancelled and flights changed - at a cost of $500 each. "Everyone said it's lucky you've got insurance."
But it was not long before she started to feel that was not so lucky at all. Despite having paid $540 each for full, comprehensive cover with AA Travel, she found she was barely able to claim more than they had paid for the policies.
The insurer wanted two years of her mother's medical records to determine whether there was a pre-existing condition that would preclude her claim completely.
from
http://www.stuff.co.nz/business/95088756/Comprehensive-policy-did-not-cover-cancelled-trips-flights
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