{"id":1673,"date":"2025-09-23T14:35:56","date_gmt":"2025-09-23T18:35:56","guid":{"rendered":"https:\/\/oap.wp.vortexdev.com\/en\/news\/etude-de-cas-obtenir-une-indemnisation-juste-apres-une-urgence\/"},"modified":"2026-05-27T14:36:11","modified_gmt":"2026-05-27T18:36:11","slug":"getting-fair-compensation-after-an-emergency","status":"publish","type":"post","link":"https:\/\/oap.wp.vortexdev.com\/en\/news\/getting-fair-compensation-after-an-emergency\/","title":{"rendered":"Getting Fair Compensation after an Emergency"},"content":{"rendered":"\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group alignfull is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group alignwide is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-bottom is-layout-flow wp-block-column-is-layout-flow\">\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Feeling misled and confused, the couple turned to OLHI.<\/p>\n<\/blockquote>\n\n\n\n<p>A couple had to urgently return home mid-trip due to an emergency. They contacted the insurer\u2019s emergency assistance provider, who agreed that returning by car was the fastest and most appropriate option.<\/p>\n\n\n\n<p>They were told that expenses for gas, hotels, and mileage would be refunded \u201cas much as possible.\u201d However, when the claim was processed, only 70% of the costs incurred were reimbursed. The amount was capped based on the cost of a round-trip economy airfare from a city that was different from where the couple departed.<\/p>\n<\/div>\n<\/div>\n\n\n\n<p>Although the location was further, because it was a larger city, more travel options existed from the destination used to process the claim. This potentially led the insurer to underestimate the applicable reimbursement cap. Mileage was excluded entirely, and no information was provided regarding how the calculation was made.<\/p>\n\n\n\n<p>Feeling misled and confused, the couple turned to OLHI. Our Complaints Analyst raised concerns about the vague guidance they had received, and the unclear method used to calculate the reimbursement cap. After informal negotiations, the insurer agreed to reimburse an additional 15% of the total expenses\u2014 covering half of what had initially been denied.<\/p>\n\n\n\n<p>This decision was based on the guidance provided by the assistance provider, who failed to mention the contractual limit, as well as the questions raised regarding how the maximum reimbursement amount had originally been determined. This resolution proved satisfactory, as the couple felt it reflected the shortcomings in the communication process.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"684\" src=\"https:\/\/oap.wp.vortexdev.com\/wp-content\/uploads\/2026\/05\/Image22-1024x684.jpg\" alt=\"\" class=\"wp-image-1674\" srcset=\"https:\/\/oap.wp.vortexdev.com\/wp-content\/uploads\/2026\/05\/Image22-1024x684.jpg 1024w, https:\/\/oap.wp.vortexdev.com\/wp-content\/uploads\/2026\/05\/Image22-300x200.jpg 300w, https:\/\/oap.wp.vortexdev.com\/wp-content\/uploads\/2026\/05\/Image22-768x513.jpg 768w, https:\/\/oap.wp.vortexdev.com\/wp-content\/uploads\/2026\/05\/Image22-1536x1025.jpg 1536w, https:\/\/oap.wp.vortexdev.com\/wp-content\/uploads\/2026\/05\/Image22-2048x1367.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Feeling misled and confused, the couple turned to OLHI. A couple had to urgently return home mid-trip due to an&hellip;<\/p>\n","protected":false},"author":2,"featured_media":1675,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[33],"tags":[37,38,41,42,40,39],"class_list":["post-1673","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-case-studies","tag-assurance-voyage","tag-reglement","tag-settlement","tag-travel","tag-travel-insurance","tag-voyage"],"acf":[],"_links":{"self":[{"href":"https:\/\/oap.wp.vortexdev.com\/en\/wp-json\/wp\/v2\/posts\/1673","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/oap.wp.vortexdev.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/oap.wp.vortexdev.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/oap.wp.vortexdev.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/oap.wp.vortexdev.com\/en\/wp-json\/wp\/v2\/comments?post=1673"}],"version-history":[{"count":8,"href":"https:\/\/oap.wp.vortexdev.com\/en\/wp-json\/wp\/v2\/posts\/1673\/revisions"}],"predecessor-version":[{"id":2704,"href":"https:\/\/oap.wp.vortexdev.com\/en\/wp-json\/wp\/v2\/posts\/1673\/revisions\/2704"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/oap.wp.vortexdev.com\/en\/wp-json\/wp\/v2\/media\/1675"}],"wp:attachment":[{"href":"https:\/\/oap.wp.vortexdev.com\/en\/wp-json\/wp\/v2\/media?parent=1673"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/oap.wp.vortexdev.com\/en\/wp-json\/wp\/v2\/categories?post=1673"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/oap.wp.vortexdev.com\/en\/wp-json\/wp\/v2\/tags?post=1673"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}