Case Studies

The following case summaries highlight common issues and consumer tips. Cases can be filtered by subject below and names have been changed to protect confidentiality. Access to the full case study database is available for IFSO Scheme Participants in the Participant Area.

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The great train station robbery

Check your policy exclusions. Don’t ever leave your bags unattended in public places
Raj's bag, worth $13,000, was stolen at Zurich train station when he walked briefly to the rubbish bin.
Travel Insurance
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The missing bag and the rotting meat

Check your policy exclusions. Don’t pack perishables in your checked luggage
When Amelia arrived in the States, her bag didn't. She returned to NZ to discover the bag was ruined, from rotting meat.
Travel Insurance
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Swiss watch swiped: Spain

Check for exclusions and limitations. Travel exceeded 90-day limit on credit card
The credit card travel insurance policy had a 90-day limit. The watch was stolen on day 57 of the 100-day trip.
Travel Insurance
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Mountain eruption not unexpected

Insurance covers unexpected events. Purchase insurance when you arrange travel.
Brendan purchased travel insurance after the eruption in Bali had been widely reported. His claim was declined.
Travel Insurance Travel
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