Founded in 1994 and based in Connecticut, Crum & Forster - Travel Insured International focuses exclusively on travel insurance and provides the most useful types of coverage and the most specialized level of service. Crum & Forster - Travel Insured International is committed to providing dependable coverage, great value, and end-to-end satisfaction.
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All travel insurance is written on a 'named peril" basis which means that the reason for the claim must be specifically listed in your policy as a covered reason. The number one covered reason for Trip Cancellation in all Comprehensive plans is the unexpected sickness, injury or death of you, your traveling companion or your family member. Of course, there are other covered reasons that vary by policy. As you found out, canceling your trip because there is a taxi in your driveway would not be a covered reason under any of our plans.
We can also understand why you would be bothered because a claim representative would not confirm payment for a claim. No one will predetermine a claim until the company has received the paperwork. Nevertheless, there may very well be coverage under your policy for your Missed Connection:
"If You miss Your cruise or tour departure because Your arrival at Your Trip destination is delayed for 3 or more hours, due to:
a) any delay of a Common Carrier (the delay must be certified by the Common Carrier);
b) documented weather condition preventing You from getting to the point of departure;
c) quarantine, hijacking, Strike, Natural Disaster, terrorism or riot.
We will reimburse You, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, for:
a) Your Additional Transportation Cost to join Your Trip; and
b) Your Prepaid expenses for the unused land or water Travel Arrangements; and
c) reasonable accommodation, telephone and meal expenses up to 0 per day necessarily incurred by You for which You have proof of purchase and which were not paid for or provided by any other source."