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The trip included a
tour
AXA Assistance USA
Gold
On 9/16/2016 I have arrived in Delhi airport, India only to find out that my luggage was not transferred from KLM to Jet Airlines in Amsterdam. After 3 hours of administrative hassle I finally opened the missing luggage claim with Jetair. My flight to Katmandu was departing next morning. An original plan was just to stay in the terminal and use the sleeping lounge. I had a single entry visa for India that I planned to utilize on the way back to stay in resort in Kerala. At about 2 a.m. completely exhausted, I opted to take a shower and catch on sleep in the Transit Hotel in International terminal 3. As this was a transit hotel technically I have not entered India.
Next morning I have connected to my flight to Katmandu. On the way back on September 26th I have proceeded to an airport to board 9:50 am flight from Katmandu to Delhi to connect to my final location in Kerala, TRV. I had non-refundable 4 days paid resort fee of 527 euro or $527.00
I was shocked to learn that my single entry visa was used up when Transit hotel took my passport for the registration and stamped it with airport authorities. Which I was not aware about. Since I had to apply for emergency visa to India, the earlies available departure was on October 1st, 2016. Just in time to connect to my flight back to US. This caused a trip interruption of 4 days, loss of the resort fee of $527.00 and unused Jet Air cancelled itinerary of about $450.00. I called AXA and advised them on the situation. The representative assured me that because of the unforeseen circumstance this will fall under the trip interruption. I am sure they retain the phone records. I have filed the claim with all supporting documentation and cover letter. The claim was denied because this particular circumstance is not listed under covered events. However it is also not specifically excluded. I bought the policy in a spirit that it will cover me in the UNFORESEEN events, which my situation clearly falls under. At this point I have open the case with the CA Department of Insurance and will proceed with the legal actions against this company unless my claim is reconsidered. I have travelled to 54 countries and always bought insurance coverage. I do not recommend this company
Next morning I have connected to my flight to Katmandu. On the way back on September 26th I have proceeded to an airport to board 9:50 am flight from Katmandu to Delhi to connect to my final location in Kerala, TRV. I had non-refundable 4 days paid resort fee of 527 euro or $527.00
I was shocked to learn that my single entry visa was used up when Transit hotel took my passport for the registration and stamped it with airport authorities. Which I was not aware about. Since I had to apply for emergency visa to India, the earlies available departure was on October 1st, 2016. Just in time to connect to my flight back to US. This caused a trip interruption of 4 days, loss of the resort fee of $527.00 and unused Jet Air cancelled itinerary of about $450.00. I called AXA and advised them on the situation. The representative assured me that because of the unforeseen circumstance this will fall under the trip interruption. I am sure they retain the phone records. I have filed the claim with all supporting documentation and cover letter. The claim was denied because this particular circumstance is not listed under covered events. However it is also not specifically excluded. I bought the policy in a spirit that it will cover me in the UNFORESEEN events, which my situation clearly falls under. At this point I have open the case with the CA Department of Insurance and will proceed with the legal actions against this company unless my claim is reconsidered. I have travelled to 54 countries and always bought insurance coverage. I do not recommend this company
Olga P. would
recommend this plan to a friend or relative.
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"We appreciate the feedback you have provided. We understand your disappointment and are sorry to learn you aren’t completely satisfied with your purchase. Unfortunately, the trip interruption benefit is only payable under the reasons specifically defined in your policy. In the future, you may call us so we may assist you in clarifying policy benefits prior to purchasing. We sincerely hope you will consider us again for future travels."