Missed flight

[SimonH]

I'm not saying that I'm right and they're trying to wriggle out their responsibilities, nor am I trying to get anyone's hopes up. How did you purchase the policy, on line or by phone? Did they e-mail you back confirmation of the policy, if so check it. Make sure they policy they send you is the same as the one you took out.
Check, double check and then check again.

[bhem_bhem]

I'm not saying that I'm right and they're trying to wriggle out their responsibilities, nor am I trying to get anyone's hopes up. How did you purchase the policy, on line or by phone? Did they e-mail you back confirmation of the policy, if so check it. Make sure they policy they send you is the same as the one you took out.
Check, double check and then check again.

We purchased it on line. The only email we received from them is the confirmation of payment. They gave us the details on how to log in on their website and when we tried it, all it says is that the details we have given didn't match any of their records.

[johncar54]

This getting disjointed.
What happened in different circumstances is not relevant.

In this case: one cannot expect a one trip policy to cover two separate bookings.

Its a bit like having two cars. One insured and one not and then expecting to be able to make a claim on the one that is not insured on the other policy.

This is not a question of what is covered in a policy, as there was no policy for the booking in question.

It is that simple, let's not get confused with things that do not apply, the 'what if's'

[SimonH]

This getting disjointed.
What happened in different circumstances is not relevant.

In this case: one cannot expect a one trip policy to cover two separate bookings.

Its a bit like having two cars. One insured and one not and then expecting to be able to make a claim on the one that is not insured on the other policy.

This is not a question of what is covered in a policy, as there was no policy for the booking in question.

It is that simple, let's not get confused with things that do not apply, the 'what if's'

You're right this is getting disjointed.
As bhem_bhem has stated they do not have the policy, so how do you know what the policy states?
What is a one trip policy? It's nothing like having two cars one insured and one not. They went on a trip, or are you trying to say that they bought a policy specifically to cover one return flight to Manila.
For example

Claimant..........Hello I lost my camera on holiday
Ins Co.......... Where were you?
Claimant.............In Palawan
Ins Co................ Sorry you're not insured
Claimant........... Er pardon, why not?
Ins Co............. You told us you were going to Manila, so we're not paying


Once again, read the policy and don't except what they say without double checking everything.

Trying to help not hinder here