Why you should care about travel insurance
Dear Ms. Zafra:
Based on your Affidavit of Loss your MacBook Air and cash was stolen when you fell asleep inside the train.
Premises considered, we regret to advise that we cannot act favorably on your claim as the policy covers loss of personal money due to robbery and loss of baggage/personal belongings covers in-flight only.
We trust you understand your position on this matter.
It was signed by a “Manager, Non-Motor Claims”.
Do they mean I had no right to make an insurance claim because I fell asleep, so I deserve to be robbed? Did my loss not qualify as a robbery because I was not threatened with weapons? Do they mean that the policy doesn’t cover train rides, only airline flights? And does their word processing program not have a spelling and grammar checker?
The second part of our column on travel insurance is now at InterAksyon. Read the first part here.