Originally Posted by
snaxmuppet
It seems to me, rightly or wrongly, that whenever there is an event that involves lots of potential claimants, that the insurance companies shut up shop and make any endeavour to wriggle out of paying claims. I would have thought that this is precisely the kind of event that we have insurance for! If they can wriggle out of paying for these kinds of events then IMO we have to question the value of travel insurance. I am not saying we shouldn't have it... but we need to re-align in our minds what the benefits truly are and what risks we have to take on ourselves. It might make a few of us re-consider whether to travel at all in some cases.
Back to the OP's situation, I don't see how they could argue that this wouldn't be covered.
Indeed, as someone pointed out, insurance companies build a risk profile in order to price up a policy. However, the argument that an insurance company could avoid paying out merely because they forgot to model it against a certain type of event is, quite frankly, nonsense.