Recommendations for travel insurance?

[Morrison]

Sorry to hijack this post. I booked a flight to chengdu and at the same time purchase chubb travel insurance. Weeks later, the airlines adjusted my return flight to hk to one day later, and I had to extend my chengdu by one additional day. I called chubb whether i could any reimbursement and chubb said no. I’m not that familiar with travel insurance but i feel that my situation should be somewhat covered by chubb. Anyone had similar experience?

What airline was that ? I am planning a trip to Chengdu…..
Thanks

[mistakes_maker]

What airline was that ? I am planning a trip to Chengdu…..
Thanks

hong kong airlines

[mistakes_maker]

Perhaps it depends on whether the airline made the change before or after your original departure from Hong kong. If after your departure, I think it would be covered.

Unfortunately it happened like a couple weeks before the original departure. Was difficult to rearrange the trip so I had to book an extra night of hotel in Chengdu.

[freeier]

hong kong airlines

I suspect not. Most travel insurance has excluded changes due to 'operational reason of airline' outside compensation reasons.

It's quite expected, budget airlines charge less but will often move flights around to improve yield but impacting passengers. if insurance need to pay for these, the premium of these policies will shoot up crazily...

[PLamHK]

Well to take one example, the AXA policy section on Travel Inconvenience starts with this preamble:

Section 8 – Travel Inconvenience
Provided that the situations as stated in the following subsections (a) Travel Delay, (b) Extra Overseas Accommodation Expenses or Irrecoverable Pre-paid Accommodation Deposits or Charges and Missed Events due to Travel Delay, and (c) Trip Re-routing Travel Costs due to Travel Delay are a direct result of:
“strike or other industrial action, riot, civil commotion, hijack, terrorism, adverse weather conditions, natural disaster, mechanical and/or electrical breakdown of the Public Common Carrier or closure of the airport”, and subject to the maximum limit and relevant sublimit as specified under this section in the Benefit Table

So on that policy, a change of schedule by the airline is not covered.

https://www.axa.com.hk/en/pdf?smart-...-direct-202403