g******g
发帖数: 289 | 1 原定回中国，机票已经买了，同时也买了allianz travel insurance.
现在临时有事，需要取消行程。
请问如何通知保险公司拿回机票钱？可以说找不到护照吗？
我的票是non-refundable。另外我知道很多情况保险公司不cover。 | m********i
发帖数: 1 | | g******g
发帖数: 289 | 3
多谢回复。下面是我们document中covered reasons，怎么说比较好呀？
Covered reasons:
1. You or a traveling companion becomes ill or injured, or develops a
medical condition. The following conditions apply:
a. The illness, injury, or medical condition must be disabling enough to
make a reasonable person cancel their trip; and
b. A doctor advises you or a traveling companion to cancel your trip before
you cancel it. If that isn’t possible, a doctor must either examine or
consult with you or the traveling companion within 72 hours
after the cancellation to confirm the decision to cancel.
2. A family member who is not traveling with you becomes ill or injured, or
develops a medical condition. The following condition applies:
a. The illness, injury, or medical condition must be considered life
threatening by a doctor or require hospitalization.
3. You, a traveling companion, or family member dies on or after your
certificate’s Coverage Effective Date and before your trip.
4. You or a traveling companion is quarantined.
5. Your tour operator, airline, or cruise line ceases all operations due to
its financial condition, with or without filing for bankruptcy.
The following conditions apply:
a. Your certificate was purchased within 14 days of the date of the first
trip payment or deposit;
b. The cessation of operations occurs more than seven days after your
certificate’s Coverage Effective Date;
c. Your certificate was not purchased directly through the tour operator,
airline, or cruise line ceasing operations, or an affiliate of that entity;
and
d. The tour operator, airline, or cruise line was included in our list of
covered suppliers on your certificate's Coverage Effective Date.
6. You or a traveling companion is in a traffic accident (not including a
mechanical breakdown) on the departure date.
One of the following conditions must apply:
a. You or a traveling companion need medical attention; or
b. The vehicle needs to be repaired because it is not safe to operate.
7. Family or friends outside the U.S. cannot accommodate you as planned
because someone in their household has died, become seriously ill or injured
, or developed a serious medical condition.
8. You are legally required to attend a legal proceeding during your trip.
The following condition applies:
a. The attendance is not in the course of your occupation (for example, if
you are attending in your capacity as an attorney, court clerk, expert
witness, law enforcement officer, or other such occupation, this would not
be covered).
9. Your primary residence is uninhabitable.
10. Your travel carrier cannot get you to your original itinerary’s
destination for at least 24 consecutive hours from the originally scheduled
arrival time due to one of the following reasons:
A. A natural disaster;
B. Severe weather; or
C. A strike, unless threatened or announced prior to the purchase of your
certificate.
However, if you can get to your original destination another way, we will
reimburse you for the following, up to your certificate’s Trip Cancellation
Coverage maximum benefit:
i. The reasonable cost of the alternate transportation, less available
refunds; and
ii. The cost of any lost prepaid accommodations caused by your delayed
arrival, less available refunds.
The following conditions apply:
a. Coverage for a strike does not apply when the striking workers are
employed by the travel carrier, or an affiliate of the travel carrier, from
which you purchased your certificate.
b. Alternate transportation arrangements must be in a similar or lower class
of service as you were originally booked with your travel carrier.
11. A terrorist event happens within 100 miles of any U.S. or foreign city
you are traveling to during your trip, as indicated on your original
itinerary.
The following condition applies:
a. A terrorist event must not have occurred within 25 miles of that city any
time in the 30 days prior to your certificate’s Coverage Effective Date.
12. You or a traveling companion is terminated or laid off by a current
employer after your certificate’s purchase date.
The following conditions apply:
a. The termination or layoff is not your or your traveling companion’s
fault;
b. The employment must have been permanent (not temporary or contract); and
c. The employment must have been for at least three continuous years.
13. You, a traveling companion, or a family member serving in the U.S. Armed
Forces is reassigned or has personal leave status changed, except because
of war, the War Powers Act, or disciplinary action.
【在 m********i 的大作中提到】
: 就告诉他们你临时有事，需要取消行程
| d******n
发帖数: 1768 | 4 必须是找到意外原因才能取消，比如生病，或者前一段航班延误之类的。自己的行程有
变不会赔的。
before
【在 g******g 的大作中提到】
:
: 多谢回复。下面是我们document中covered reasons，怎么说比较好呀？
: Covered reasons:
: 1. You or a traveling companion becomes ill or injured, or develops a
: medical condition. The following conditions apply:
: a. The illness, injury, or medical condition must be disabling enough to
: make a reasonable person cancel their trip; and
: b. A doctor advises you or a traveling companion to cancel your trip before
: you cancel it. If that isn’t possible, a doctor must either examine or
: consult with you or the traveling companion within 72 hours
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