Unfair application of exclusion

A policyholder took a travel insurance policy. He met with an accident and lost a tooth. He required immediate treatment overseas and follow-up treatment in Singapore. He submitted a claim for the dental expenses. He was told that his travel insurance policy excluded "all dental expenses".

This is an unfair application of the exclusion. The exclusion was intended to exclude claims for treatment due to poor dental health, but should not (in my view) be applied to dental treatment arising from an accident.