Does travel insurance cover a pre-existing condition and the death of a loved one?

Robert Hamilton was looking forward to his six-night stay in Colorado that he booked through VRBO and Turnkey Colorado. But he also knew that with his mother-in-law hospitalized, he probably should buy travel insurance just in case the unthinkable happened. It also led us to wonder if travel insurance always covers a pre-existing condition and the death of a loved one.

British Airways won’t give me proof that my ticket was nonrefundable

After a terrorist attack in London, Kelly Bukaty cancels her British Airways flight. But her travel insurance company won’t reimburse her airfare without proof that her ticket was nonrefundable. Can our advocates help Bukaty get British Airways to provide documentation to resolve her insurance claim?

Offended by our request for more information? We can’t help

“These researchers for Chris Elliott respond with more legalese than the cotton-pickin’ insurance company did.”

This was the response we received from Donald Norton to a question we asked him about his case.

Our advocates often need to follow up with additional questions to determine whether we can help consumers requesting our assistance. We do this when we receive help requests with information that appears to be unclear or incomplete. Most of these consumers are happy to provide us with the answers to our questions, but some take offense. When that happens, we can’t help them.

I canceled my cruise, why can’t I get a refund for my trip insurance?

Zelma Friedling booked a Caribbean cruise a year in advance but canceled after two hurricanes hit the islands they were scheduled to visit. The cruise line refunded the money she paid for the cruise, but neither the cruise line nor the travel insurance company will refund what she paid for travel insurance.

Will we help her get her money back?

Insider tips on how to file a travel insurance claim

If you’re reading this, chances are something horrible has happened while you’re on vacation — a health scare, a disruption, even an unexpected death.

Maybe you’ve phoned your travel insurance company and the wheels are now in motion for a claim. And you’re wondering: What now?

I already have auto insurance, so why is Europcar forcing me to buy it for my car rental?

When Allison Blake rents a car through Hotwire for her trip to Mexico, she is forced to purchase auto insurance coverage even though she already has it through Allianz. Can our advocates persuade Hotwire to refund Blake the cost of the insurance she didn’t need?

A week of volunteering in Kenya nosedives because of air ticket error

When Kristina Aubert tries to check in for a flight, she finds that her name is misspelled on her air ticket, costing her a week of volunteering as a nurse in Kenya. Are her travel expenses gone forever? Or can our own volunteers help her recover them?

It wasn’t my fault. Why should I be penalized for missing my flight?

It just wasn’t David Ababio’s day.

His back was injured and he couldn’t walk quickly. Then the airport bus wasn’t running. He arrived at the KLM counter ten minutes too late to check in for his flight. And then he learned that KLM considered him a “no-show” for his flight and canceled his itinerary.

Avoid these common travel insurance mistakes on your next trip

When I think of travel insurance mistakes, I’m reminded of Carol Buckley’s case. She recently contacted me about her daughter, who had booked two airline tickets from Boston to London, purchasing the airline-recommended insurance.

This traveler says that her flight was canceled. But was it?

Linda Keberle and her husband planned a 12-day Baltic vacation on a Holland America cruise, departing from Copenhagen, Denmark. But while they were still at the Cleveland airport, British Airways shut down its operations. The Keberles canceled their trip, believing that they would not be able to make their connecting flight on British Airways to Copenhagen.

This traveler says that he doesn’t understand trip insurance so he didn’t buy it. Now he needs it.

When Solomon Gizaw purchases his air tickets for a trip to Africa, he doesn’t buy travel insurance. Now he has to cancel his trip for medical reasons, but he doesn’t want to pay a change fee. Can our advocates help him get it waived?

I used vouchers to book my flight, and now I need to cancel. Can I get a refund?

American Airlines bumps Hadassah Bennett from a flight and compensates her with vouchers, which she redeems for another flight. But a chronic illness flares up and she is forced to cancel her flight. Can she persuade American to return her vouchers for her to use on a future flight?

Get smart. Sign up for the newsletter.