Question: My travel insurance claim has been denied, and so have my appeals. I hope you can help us.

My husband and I were scheduled to visit India last Thanksgiving, the day after the horrific terrorist event began. British and Americans were being singled out and murdered, hotels were being burned, and threats were made of hijacking and attacks on airports and train stations in the country.

We were terrified of the unfolding events, and canceled our travel plans. We had purchased a travel insurance policy through Access America. One of the named perils is a terrorist event.

Access America has denied our claim because we were scheduled to travel to New Delhi, and the hotel that was under siege was in Mumbai. I believe that the definition of destination — according to their policy and the online dictionary — includes the entire country. Plus, as part of the terrorist activity, impending threats were made to airports, train stations and other places throughout India.

We’ve lost about $7,300. Is there anything you can do? — Diane Gandara, Napa, Calif.

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  • Elliott

    Christopher Elliott has been called one of the world’s leading travel experts. But his focus isn’t on the destination, or ev…

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