Stories are just beginning to surface regarding the travel insurance implications of the chaos at Bangkok's airports.
Here's an example at the Sydney Morning Herald, but we expect to read a lot more as increasing numbers of stranded tourists read the small print and find out they are not covered.
Suggest you read the small print -- especially regarding "civil strife" -- which is the exclusion many travel insurance companies will use to get out of paying.
If you are hoping to make a claim -- keep receipts -- every single one of them -- and don't spend wildly on the assumption your travel insurer will pay -- chances are they won't.
On the upside, if you've not left your home country yet, but are looking at a cancelled trip, then you're at least in a better position to get a full refund on the ticket from the airline. If you're stranded in Thailand though, you may well not be able to get a refund on the unused portion of the ticket.
I checked with World Nomads and this exclusion of coverage also extends to medical expenses (in my policy anyway). So if you are injured in any kind of protest or terrorist act then your medical bills will not be covered by travel insurance! Hardly seems fair and I am not sure what you can do about it other than to be careful but it is something to be aware of.
#2 amaline has been a member since 3/12/2008. Posts: 1
I just called AXA. They refused to pay any refund if I cancel my flight "on my own will", even due to the riot or social unrest. They also said if the flight is canceled by the airline instead, I should ask for refund to the airline. They won't do anything on this. So don't really believe what they write in the policy, they can always change it "on their own will".
#3 gaoxiao has been a member since 4/12/2008. Posts: 2