I am claiming costs associated with losing my passport in the US against an Australian travel insurance policy.
I had to travel to a US Consulate outside of my planned itinerary to obtain an emergency passport. Since I was flying out of the US the day after minimum passport processing (2 days after application submission), I had no choice other than to fly to the city from which I was departing, which also had an Australian Consulate. My initial planned travel was to be in that city the day before departure, so additional travel arrangements had to be made. I initially claimed the cost of this travel as "reconnection of planned travel".
However, although the policy did cover such costs, it only did so for certain instances of delayed travel, where losing passport was not one of them. Since the policy did not cover my circumstance to reconnect planned travel, I thought I could claim traveling earlier to the city of departure as part of the cost for obtaining the emergency passport, which is covered in the policy.
The Insurance company has denied my amendment.
What is my recourse, if any?
I had to travel to a US Consulate outside of my planned itinerary to obtain an emergency passport. Since I was flying out of the US the day after minimum passport processing (2 days after application submission), I had no choice other than to fly to the city from which I was departing, which also had an Australian Consulate. My initial planned travel was to be in that city the day before departure, so additional travel arrangements had to be made. I initially claimed the cost of this travel as "reconnection of planned travel".
However, although the policy did cover such costs, it only did so for certain instances of delayed travel, where losing passport was not one of them. Since the policy did not cover my circumstance to reconnect planned travel, I thought I could claim traveling earlier to the city of departure as part of the cost for obtaining the emergency passport, which is covered in the policy.
The Insurance company has denied my amendment.
What is my recourse, if any?