13 Funny Travel Insurance Stories – Lucky For Some, Less So For Others!

13 funny travel insurance stories – lucky for some, less so for others!

Cheap travel insurance has a reputation for being a boring area to work in. While it does have its boring, routine moments, just like any other job, it’s made up for by the funny travel insurance stories you hear. It’s hard to say how many of them are either exaggerated, grossly embellished, or just plain fake, but I still found some of these travel insurance stories to laugh about as I researched this article, and that’s good enough for me.

Here are 13 funny stories about travel insurance. While the number 13 is traditionally an unlucky number, very few on this list consider themselves too lucky to be covered by the understanding of travel insurance companies! There is no doubt that those who remain rejected have learned an invaluable lesson in their lives!

  • Cheeky monkeys cause havoc

According to this tale (tail?), a group of trick monkeys conspired to ruin a couple’s romantic trip to Malaysia. Due to the heat, the couple left the chalet window open during the day while they were out, but regretted their decision when they returned to discover their clothes and belongings all over the surrounding resort and nearby rainforest. The couple’s insurance company was thankfully understanding and made sure they didn’t need to re-wear the same clothes for the rest of their trip!

  • Lots of Bombay mix

Do you know Bombay Mix? Spicy Indian snacks. A traveler claimed to have lost £600 worth of stuff while returning from holiday, and tried to claim on his travel insurance. Since Bombay Mix costs less than £1 per 250g bag, a conservative estimate is that a man would need to carry more than 80kg of the snack to incur an expense of up to £600! Too hard to misplace it, you thought, and the travel insurance company agreed, refusing to pay the claim.

  • bite in the tail

A traveler lost his wallet while exploring Netanya, Israel. However, instead of filing a police report and contacting his travel insurance companies, the brave individual attempted to dig his wallet out of the gutter – only to be stung by a venomous scorpion that has made the area its home! The man’s transaction (and likely his lost wallet) was covered by his travel insurance.

  • Geronimo!

After winning the dubious honor of most fortunate on the list, this family’s camping trip goes awry when a paratrooper from the nearby air base misses his target and lands directly on the family’s tent. Camping gear was destroyed and to add insult to injury it wasn’t covered for accidental damage so they had to foot the bill themselves.

  • The joke on the robber?

A somewhat routine claim for a stolen cosmetic bag took an amusing twist when it was revealed that the victim had siphoned medicated-strength hemorrhoid cream into an empty humidor tub earlier in the holiday. While the French police kept searching for the suspiciously infamous thief, the woman’s travel insurance company paid for the missing makeup, perfume, and lotions.

  • Wrong airport, wrong country!

A man who claimed to cancel a holiday when he was refused entry to a flight has been denied entry when it turns out his flight was not from Manchester in northwest England, but from Manchester, New Hampshire in the US.

  • Some claims just aren’t worth the extra!

Here’s a tip for you – if you have an excess to pay towards a £50 claim, make sure your stolen property is worth at least £50.01! The claims of a traveler whose bag had been snatched away on holiday were denied, when a full inventory was shown of the contents being: 1x bottle of water, 1x newspaper and 1x packet of mints. No wonder his claim for cheap travel insurance was denied.

  • Criminals are not the only animals that ruin your ride

If you’re vacationing in the Black Forest, you may want to make sure you lock properly when you leave the house. A family returns to the chalet to discover that their home has been invaded by a single hungry goat, who has burrowed his way through their wallets, passports, and sandwiches. Their claim for new passports and wallets was refused on the grounds of negligence in leaving the chalet wide open.

  • Coconut shy

If you plan to relax under a tree in Sri Lanka, it’s worth checking your location carefully, as one traveler found after suffering a concussion from a falling coconut. The injury struck, which might seem unlikely until you consider that the average weight of a fresh coconut is 2 kilograms, and that its trees grow up to 30 meters high. A coconut traveling at 53mph is no joke, and it is not surprising that the traveler was reimbursed for £400 in medical bills.

  • Lost coconut

On the other hand, others apparently can’t do without coconuts: A couple from Mauritius returned to find their local produce was missing. Claiming two missing Indias might sound like a reasonable idea on paper, but with each one replacing costing less than a pound, and an initial excess on any claim made of £50, it’s no wonder travel insurance providers rejected the claim.

  • what!?

Occasionally you hear about a claim for something completely baffling, and that was the case for Direct Line, who allegedly had a claim for “a guitar made of pumpkins.”

  • An urge to have a drink

At the Fire Bar in Greece, a reveler paid for “she needed a drink” when she stayed at the bar waiting to be served despite the loud sound of the bell and the hasty departure of others asking for a pint. Unsurprisingly, the bell turned out to be a fire alarm – a fact she finally understood when flames engulfed the area. She fled the scene with third-degree burns and £300 in medical expenses to pay – which was covered by her travel insurance company.

  • Someone hits!

Finally, it’s more of a fact than a funny travel insurance story, but it’s believed that there were claims of £1,000 more Rolex Oysters being stolen than ever made. It seems some people have been getting creative with their travel insurance claims…