Participant F planned a ministry-related trip to Israel and purchased a Trip Cancellation policy to protect his prepaid travel expenses. Shortly before departure, his spouse received a cancer diagnosis and began medical evaluation and treatment. Needing to remain home and support his family, Participant F canceled the trip and submitted a claim.
The traveler believed the diagnosis should qualify as an unexpected medical event affecting an immediate family member. However, during the claims review, questions arose about the timing of the diagnosis, the policy purchase and when coverage became effective. The carrier requested additional medical records to determine when the condition first manifested and whether it met the policy’s definition of an unforeseen covered sickness. Ultimately, the claim was denied, but the reason why came down to a critical detail.
MissionSafe assisted the traveler in communicating with the claims department and understanding the requested documentation. Download the full case study to learn how policy definitions, effective dates and medical records affected the outcome.
*HopeWorks Travel Global is the anonymized name for an actual MissionSafe Client. All organization and individual names have been changed for the privacy of those involved.
