Go Back   English Forum Switzerland > Help & tips > Insurance  
Reply
 
Thread Tools Display Modes
  #1  
Old 08.07.2011, 14:08
Junior Member
 
Join Date: Jul 2010
Location: Biel
Posts: 87
Groaned at 0 Times in 0 Posts
Thanked 27 Times in 15 Posts
lukenjenny is considered knowledgeablelukenjenny is considered knowledgeablelukenjenny is considered knowledgeable
Worth the fight? Mondial/EasyJet Travel Insurance

I purchased travel insurance for a trip to Portugal and for a trip to Greece through the EasyJet website. When I was booking my flights they gave me the option to click the "travel insurance" box and since I am pregnant I decided to be cautious and add the insurance to the flights. I use EasyJet a lot and my residence is shown as Switzerland.

I didn't need the insurance for Greece, but we did have to cancel our Portugal trip due to medical issues. I contacted the insurance company "Mondial" and they told me I had to be a resident of portugal for the insurance to be effective.

I am blown away! Never when I purchased the insurance did it mention anything about being a Portuguese resident. In fact, when I go to EasyJet now and book the same flight and click to add the insurance this is the message I get:

easyJet Travel Insurance is for residents of Switzerland and subject to our services and policy terms and conditions.You may cancel this insurance within 14 days of purchase(conditions apply). Changes to travel dates or passenger names may invalidate parts or all of this policy.


It isn't until AFTER you book and pay for the flight, that you get an email from Mondial with their terms and conditions.

I feel this is really tricky of them to not mention anything until I make a claim.

Is this normal? I really would like to fight this company because I feel like they slighted me. It should have been mentioned somewhere that you needed to be a resident of Portugal BEFORE you pay for the insurance.

I'm just wondering if this is worth fighting over. It's about chf 300 I would get so it's not a whole lot of money, but I am really angry over the fact that I feel they weren't up front about the terms of the insurance.
Reply With Quote
  #2  
Old 08.07.2011, 14:22
saint7uk's Avatar
Forum Veteran
 
Join Date: Mar 2011
Location: Samstagern
Posts: 989
Groaned at 9 Times in 9 Posts
Thanked 586 Times in 358 Posts
saint7uk has a reputation beyond reputesaint7uk has a reputation beyond reputesaint7uk has a reputation beyond reputesaint7uk has a reputation beyond repute
Re: Worth the fight? Mondial/EasyJet Travel Insurance

To be honest it is most likely their kacky terms and conditions. You will have to look and see if they are liable to pay out in the case of a canceled trip, you will probably find they will only pay if you can't fly if it is to your domicile destination not that you couldn't fly somewhere else and had to cancel say a holiday.

I would imagine their insurance is very basic and narrow ranging.

However if it doesn't state in GCI that they will only pay with problems returning to country of residence then of course you should challenge them.
Reply With Quote
  #3  
Old 08.07.2011, 15:50
saharanz's Avatar
Senior Member
 
Join Date: Apr 2007
Location: Winterthur
Posts: 409
Groaned at 0 Times in 0 Posts
Thanked 258 Times in 138 Posts
saharanz has an excellent reputationsaharanz has an excellent reputationsaharanz has an excellent reputationsaharanz has an excellent reputation
Re: Worth the fight? Mondial/EasyJet Travel Insurance

Not sure if this is helpful or not. I had separate standard travel insurance through Mondial and had to cancel a trip due to medical problems during pregnancy. As long as the trip was booked before the problems arose, they had no problems with paying it out.

I would definitely be questioning the residence condition. It sounds a bit ridiculous to say you need to be a resident of the destination for the insurance to be valid, why would you need travel insurance for your country of residence?
Reply With Quote
  #4  
Old 08.07.2011, 17:07
Ardneham's Avatar
Member
 
Join Date: Aug 2008
Location: Bern
Posts: 234
Groaned at 84 Times in 29 Posts
Thanked 31 Times in 28 Posts
Ardneham is considered unworthyArdneham is considered unworthyArdneham is considered unworthyArdneham is considered unworthy
Re: Worth the fight? Mondial/EasyJet Travel Insurance

Quote:
View Post
...... It sounds a bit ridiculous to say you need to be a resident of the destination for the insurance to be valid, why would you need travel insurance for your country of residence?
I hope our Insurance Expert Jenny will be able to add her views. The fight
can be taken up to the Insurance Ombudsman level I guess?
Reply With Quote
  #5  
Old 08.07.2011, 17:15
tearley's Avatar
Senior Member
 
Join Date: Jan 2011
Location: Lausanne (Vaud)
Posts: 428
Groaned at 2 Times in 2 Posts
Thanked 409 Times in 190 Posts
tearley has an excellent reputationtearley has an excellent reputationtearley has an excellent reputationtearley has an excellent reputation
Re: Worth the fight? Mondial/EasyJet Travel Insurance

Quote:
View Post
I purchased travel insurance for a trip to Portugal and for a trip to Greece through the EasyJet website. When I was booking my flights they gave me the option to click the "travel insurance" box and since I am pregnant I decided to be cautious and add the insurance to the flights. I use EasyJet a lot and my residence is shown as Switzerland.

I didn't need the insurance for Greece, but we did have to cancel our Portugal trip due to medical issues. I contacted the insurance company "Mondial" and they told me I had to be a resident of portugal for the insurance to be effective.

I am blown away! Never when I purchased the insurance did it mention anything about being a Portuguese resident. In fact, when I go to EasyJet now and book the same flight and click to add the insurance this is the message I get:

easyJet Travel Insurance is for residents of Switzerland and subject to our services and policy terms and conditions.You may cancel this insurance within 14 days of purchase(conditions apply). Changes to travel dates or passenger names may invalidate parts or all of this policy.


It isn't until AFTER you book and pay for the flight, that you get an email from Mondial with their terms and conditions.

I feel this is really tricky of them to not mention anything until I make a claim.

Is this normal? I really would like to fight this company because I feel like they slighted me. It should have been mentioned somewhere that you needed to be a resident of Portugal BEFORE you pay for the insurance.

I'm just wondering if this is worth fighting over. It's about chf 300 I would get so it's not a whole lot of money, but I am really angry over the fact that I feel they weren't up front about the terms of the insurance.
Clearly, this is very lame, and on the level of bait and switch. If you paid by credit card, you may also have additional leverage through them--try to do a charge back for the entire Easy Jet transaction (including a screen shot of that Swiss resident disclaimer with your claim). Also, Easyjet can not just wash their hands of this since they sold you this third party insurance through their online portal--try to put the screws to them as well. Furthermore, if your paid with plastic, your credit card may even have travel insurance for medical reasons and you don't know it (I always use my Amex for online travel purchases for this reason). Good luck and I'm sorry that this happened to you!
Reply With Quote
This user would like to thank tearley for this useful post:
  #6  
Old 08.07.2011, 17:34
wattsli1's Avatar
Forum Veteran
 
Join Date: Apr 2009
Location: Basel Land
Posts: 732
Groaned at 3 Times in 3 Posts
Thanked 943 Times in 338 Posts
wattsli1 has a reputation beyond reputewattsli1 has a reputation beyond reputewattsli1 has a reputation beyond reputewattsli1 has a reputation beyond reputewattsli1 has a reputation beyond repute
Re: Worth the fight? Mondial/EasyJet Travel Insurance

That does really suck and actually I've no idea how or where to fight it i.e. whether your fight should be with the insurance company or with Easyjet. To me it sounds like Easyjet ripped you off, probably the insurance company didn't know, but then I hate Easyjet with a passion so I would say that

I can tell you that fighting with Easyjet over anything at all is extremely time consuming, annoying and frustrating.... although I did enjoy forwarding all their correspondence to the European parliament to be added to a collective action (but it was an entirely different topic). The Easyjet response always seems to be "not our fault - you get what you pay for - which is basically nothing except a seat on a plane". We basically just don't travel with them any more.
Reply With Quote
This user would like to thank wattsli1 for this useful post:
  #7  
Old 08.07.2011, 18:11
fatmanfilms's Avatar
Super Moderator
 
Join Date: Apr 2010
Location: Verbier
Posts: 20,591
Groaned at 437 Times in 328 Posts
Thanked 21,273 Times in 11,179 Posts
fatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond repute
Re: Worth the fight? Mondial/EasyJet Travel Insurance

The insurance will assume you are resident where the first flight starts, so I assume the booking was Portugal -Greece, this is fairly normal as travel insurance covers medical cover. The medical cover is cheap as they assume they will just get you home & let the countries insurance take over.
Reply With Quote
This user would like to thank fatmanfilms for this useful post:
  #8  
Old 08.07.2011, 19:24
saint7uk's Avatar
Forum Veteran
 
Join Date: Mar 2011
Location: Samstagern
Posts: 989
Groaned at 9 Times in 9 Posts
Thanked 586 Times in 358 Posts
saint7uk has a reputation beyond reputesaint7uk has a reputation beyond reputesaint7uk has a reputation beyond reputesaint7uk has a reputation beyond repute
Re: Worth the fight? Mondial/EasyJet Travel Insurance

Sorry but this is all a moot point, until the CGI is examined no one knows what the terms are...

Many cheap instant policies have everything to do with your country of departure and residence. e.g you left from ZRH and had an emergency that meant you couldn't return home...covered. Your flight was canceled... covered. Emergency and re-patriasation needed...covered.

I would be VERY surprised, Nay STUNNED, if any airline cheap add on covered for the fact you couldn't take your holiday or business trip at all (except for perhaps exceptional goodwill cover like death) this is where more comprehensive cover comes in be it personal or via AMEX etc. However there may be a case with the credit card company depending on their terms and conditions.

OP, if you want to send me the terms and conditions and what they had in writing about the cover when you opted for it I will gladly take a look at it for you

It sounds sucky but at first impression I'm afraid in your case the policy might not have been good for you. I however am not aware of Easyjet's partner cover.

Best,
David.
Reply With Quote
  #9  
Old 08.07.2011, 19:51
JanerMacP's Avatar
Forum Veteran
 
Join Date: Feb 2007
Location: Turgi, AG
Posts: 1,101
Groaned at 3 Times in 3 Posts
Thanked 791 Times in 428 Posts
JanerMacP has an excellent reputationJanerMacP has an excellent reputationJanerMacP has an excellent reputationJanerMacP has an excellent reputation
I fought Sleazyjet and won the battle of fake speedy boarding, all via email. Once I wrote "escalate to management" they have me my refund.

Good luck!
Reply With Quote
This user would like to thank JanerMacP for this useful post:
  #10  
Old 08.07.2011, 19:57
Carlos R's Avatar
Forum Legend
 
Join Date: Dec 2009
Location: Roundn'about Basel
Posts: 7,238
Groaned at 105 Times in 95 Posts
Thanked 9,934 Times in 4,178 Posts
Carlos R has a reputation beyond reputeCarlos R has a reputation beyond reputeCarlos R has a reputation beyond reputeCarlos R has a reputation beyond reputeCarlos R has a reputation beyond reputeCarlos R has a reputation beyond repute
Re: Worth the fight? Mondial/EasyJet Travel Insurance

Actually, I'm not sure if I've correctly understood - you live in CH, got insurance with Mondial for a Swiss flight (on EF) going CH-Portugal-CH, got the insurance and had to cancel on medical terms?

If so, yes fight them.

Although I must say, I've had two instances where I've had to cancel flights/buy alternate tickets and Mondial have paid up both times. The second was a flight cancelation due to sick wife and they still paid up for the car hire and ticket. Hotel they didn't as I couldn't find a receipt.

Have spoken to someone there, or has all this been via email?
__________________
Never let right or wrong get in the way of a good opinion
Reply With Quote
  #11  
Old 09.05.2012, 23:42
Newbie
 
Join Date: May 2012
Location: Yverdon
Posts: 2
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
Handewi has no particular reputation at present
Re: Worth the fight? Mondial/EasyJet Travel Insurance

Hi, just read this now. Just want to share my experience. I bought oneway ticket from lisbon to gva along with the insurance. Then i changed the flight into Gva to madrid, which at the end i had to cancel due to an accident. I sent my claim to them and had to sent a lot of emails to mondial portugal and suisse. There was a lot of argument from them,first they rejected it but at the end they (mondial swiss) reimbursed it. Cheers
Reply With Quote
  #12  
Old 11.05.2012, 09:07
Forum Veteran
 
Join Date: Nov 2011
Location: Mies
Posts: 950
Groaned at 14 Times in 10 Posts
Thanked 707 Times in 400 Posts
catandmouse has earned the respect of manycatandmouse has earned the respect of manycatandmouse has earned the respect of many
Re: Worth the fight? Mondial/EasyJet Travel Insurance

There was a time, in the not so distant past, when Sleazyjet would automatically add travel insurance to your bookings. You would remove it once, and lo and behold, you had to remove it again on the next page. If you looked a little at what was being offered, it wasn't even valid for Swiss residents!
I wonder how many passengers got scammed by the process.
Reply With Quote
  #13  
Old 11.05.2012, 09:20
Junior Member
 
Join Date: Jul 2010
Location: Biel
Posts: 87
Groaned at 0 Times in 0 Posts
Thanked 27 Times in 15 Posts
lukenjenny is considered knowledgeablelukenjenny is considered knowledgeablelukenjenny is considered knowledgeable
Re: Worth the fight? Mondial/EasyJet Travel Insurance

That is what happened to me. Apparently the insurance was only valid for Portugese residents (we were flying roundtrip Geneva to Lisbon)... funny that they offered it to me as I obviously lived in Switzerland.
Reply With Quote
  #14  
Old 11.05.2012, 17:07
Newbie
 
Join Date: May 2012
Location: Yverdon
Posts: 2
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
Handewi has no particular reputation at present
Re: Worth the fight? Mondial/EasyJet Travel Insurance

Quote:
View Post
Hi, just read this now. Just want to share my experience. I bought oneway ticket from lisbon to gva along with the insurance. Then i changed the flight into Gva to madrid, which at the end i had to cancel due to an accident. I sent my claim to them and had to sent a lot of emails to mondial portugal and suisse. There was a lot of argument from them,first they rejected it but at the end they (mondial swiss) reimbursed it. Cheers
I am not sure when this scam commenced. When I sent my claim at that time (2 years ago), where I live was not a problem.
Reply With Quote
Reply

Tags
easyjet, mondial, travel insurance




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Legal Insurance is it worth it. locopsu Insurance 48 12.06.2013 15:18
Easyjet Flight Schedule Change - will Insurance pay price increase? Dore_84 Insurance 7 17.10.2010 17:02
Travel Insurance/Kanton Basel Insurance pamela16 Insurance 1 11.06.2010 21:45
Private & Semiprivate Health Insurance? Worth it? (especially for children) Venturello Insurance 14 16.11.2009 10:33


All times are GMT +2. The time now is 02:40.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2021, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0