Martyjac Posted July 15, 2015 #1 Share Posted July 15, 2015 I cruised using Travel Guard AIG insurance. I ddid not have a pre-existing dental problem when we sailed. On the ship I got an abscessed tooth. They covered expenses on the ship for a abscess tooth with Amoxcilion and prescription. Although, coming back from Ft. Lauderdale to San Diego the pain increased, and I was going to have the tooth seen by a dentist at Cabo, but the port was cancelled due to technical issues by the Veendam, Holland America. Actually, both our 2 ports were cancelled in Mexico. Therefore I had no other choice to have tooth extracted after the cruise, in which the insurance company won't cover due that the extraction was done after the cruise. Anyone's input will be appreciated.I am thinking of going to Small Claims Court. Has anyone had a similar situation? Martin Link to comment Share on other sites More sharing options...
Di Princess Posted July 16, 2015 #2 Share Posted July 16, 2015 You have no case ! :eek: Link to comment Share on other sites More sharing options...
Illyria Posted July 16, 2015 #3 Share Posted July 16, 2015 Travel insurance by definition ceases the moment you set foot at home. So no, you don't have a case. Link to comment Share on other sites More sharing options...
JVilleGal Posted July 16, 2015 #4 Share Posted July 16, 2015 Agreed! Use your own insurance. Link to comment Share on other sites More sharing options...
sirwired Posted July 16, 2015 #5 Share Posted July 16, 2015 I'm looking at the policy right now... It explicitly states that no dental coverage is provided after you return home. (Medical care, as opposed to dental is covered for follow up care after you get home.) Link to comment Share on other sites More sharing options...
cherylandtk Posted July 16, 2015 #6 Share Posted July 16, 2015 Not worth the small claims filing fee or the time to go there. Policy language is clear. Link to comment Share on other sites More sharing options...
sail7seas Posted July 20, 2015 #7 Share Posted July 20, 2015 Did you make note in what jurisdiction you would have to sue if you chose to? It is normally named in the policy. Link to comment Share on other sites More sharing options...
sirwired Posted July 21, 2015 #8 Share Posted July 21, 2015 Well, as a highly regulated product, I don't think insurance laws allow a forum selection clause. If they are licensed to do business in your state, you can sue them in your state (which makes sense, since they are regulated by the laws in your state; it'd make no sense to try and get, say, a Florida judge to enforce Iowa insurance law.) Link to comment Share on other sites More sharing options...
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