基本情况是这样的，2月初飞悉尼买了ACE的travel insurance，回来的时候飞机不幸晚点八个小时。
然后回来就claim ACE, 今天刚收到ACE的reply，denial for claim。
ACE 的解释如下，大概的意思的是我们提供的延误的原因是因为从新加坡过来的飞机延误， 这个在他们的policy wording没有cover。
实在觉得他们的这个解释很扯，但是真心不太懂该怎么跟他们argue。
所以求助保险达人，这种情况应该怎样处理？
多谢各位的帮助了。

Reply from ACE

We refer to the above claim. Upon reviewing the claim documents available to us, we have noted the following:

Travel period: 10-17 Feb 2014
Scheduled departure :Sydney on 17 Feb 2014 @ 13:50
Actual departure :Sydney on 17 Feb 2014 @ 21:55
Hours of delay : 8 hours 5 minutes
Reason for delay ate arrival of incoming air craft from Singapore
We would like to draw your attention to the following Section of the Policy Wording:

SECTION 12 – TRAVEL DELAY
If, during the Period of Insurance, whilst the Insured Person is on a Journey, the departure of the Scheduled Flight is delayed for at least six (6) consecutive hours at any single location in the itinerary supplied to the Insured Person, due to Strike or industrial action, adverse weather conditions or mechanical breakdown/derangement of the Scheduled Flight or due to grounding of the Scheduled Flight as a result of mechanical or structural defect, the Company will pay the Insured Person the relevant Benefit amount specified in the Certificate of Insurance for every full six (6) consecutive hours of delay (the delay being calculated from the departure time of the Scheduled Flight specified in the itinerary), up to the maximum Benefit amount specified in the Certificate of Insurance. The delay must be verified in writing by the operator of the Scheduled Flight or their handling agent(s) as well as the number of hours delayed and the reason for the delay.

In this instance, in view that the late arrival of the aircraft is not a covered reason for delay, we regret to advise that the Policy will be unable to respond to the claim for Travel Delay.
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