Just a bad policy - do not buy

Their travel insurance policy:
1. Has no provision for force majeure. If you need to change your plans due to circumstances foreseeable or unforeseeable you cannot claim. If a third party changing their plans gives you cause for a claim, that is also no basis. This is covered as "you or any other person's unwillingness to proceed with the journey or deciding to change plans".
2. Additional expenses are only claimable if the claim falls under one of the defined coverage scenarios. For instance, if meals were prepaid, you cannot claim for them. Also, if shortening your holiday, causes you to dispose of food already purchased, you cannot claim.
3. All expenses claimed must be explicitly covered in the policy.
4. Additional costs due to rescheduling of transport are only covered under a very narrow range of scenarios: Riot etc.; Cyber incident; Loss of passport or travel documents; collision; delay of transport

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