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Travel Insurance
mjsone
Posts: 1 Newbie
Hi everyone.
I am in need of some guidance and advice with respect to Annual Travel Insurance.
My daughter and her family purchased annual world wide insurance some 7 months ago. However, she and the family are traveling to New York at the end of November. Unfortunaly, she has just had a heart attack, (within the last 2 weeks),but doctors have informed her that she will be fit to travel.
Being responsibile she informed the travel insurance company of the Heart Attack and change of medication, they promptly, informed her that in order to maintain cover an excess of £300 is payable.
Help and gudance is required as if this is correct.
Thanking you all in anticipation.
I am in need of some guidance and advice with respect to Annual Travel Insurance.
My daughter and her family purchased annual world wide insurance some 7 months ago. However, she and the family are traveling to New York at the end of November. Unfortunaly, she has just had a heart attack, (within the last 2 weeks),but doctors have informed her that she will be fit to travel.
Being responsibile she informed the travel insurance company of the Heart Attack and change of medication, they promptly, informed her that in order to maintain cover an excess of £300 is payable.
Help and gudance is required as if this is correct.
Thanking you all in anticipation.
0
Comments
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Yes I believe this is correct for an annual Travel Insurance, where you have tell the Insurers of any medical issues that occur during the year. The Insurers are then able to review the medical condition to see if they can provide cover for any future trip and if so what terms apply.The comments I post are personal opinion. Always refer to official information sources before relying on internet forums. If you have a problem with any organisation, enter into their official complaints process at the earliest opportunity, as sometimes complaints have to be started within a certain time frame.0
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Yes I believe this is correct for an annual Travel Insurance, where you have tell the Insurers of any medical issues that occur during the year. The Insurers are then able to review the medical condition to see if they can provide cover for any future trip and if so what terms apply.
It's not correct.0 -
It's not correct.
I thought that some annual policies contained clauses about medical conditions suffered during the policy period, that would affect future trips.
Pretty sure I have come across this.
Not sure whether they declared the heart problem previously. The OP mentions a change to medication ?The comments I post are personal opinion. Always refer to official information sources before relying on internet forums. If you have a problem with any organisation, enter into their official complaints process at the earliest opportunity, as sometimes complaints have to be started within a certain time frame.0 -
The Ombudsman has plenty of case histories on these situations, they generally expect the Insurer to honour the cover or allow the customer to cancel the trip and the Insurer reimberse the holiday costs.
Here are some case histories
http://www.financial-ombudsman.org.uk/publications/ombudsman-news/64/64-travel-insurance_cases.html0 -
The Ombudsman has plenty of case histories on these situations, they generally expect the Insurer to honour the cover or allow the customer to cancel the trip and the Insurer reimberse the holiday costs.
Here are some case histories
http://www.financial-ombudsman.org.uk/publications/ombudsman-news/64/64-travel-insurance_cases.html
The FOS info is about rejected claims and not about the condition contained in policies to advise in change of health.
Pretty sure that Insurers can use the condition to apply additional terms, before any trip commenced.The comments I post are personal opinion. Always refer to official information sources before relying on internet forums. If you have a problem with any organisation, enter into their official complaints process at the earliest opportunity, as sometimes complaints have to be started within a certain time frame.0 -
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Interesting. Begs the question as to why the condition to inform of change in health, still features in annual policies. It may be this.
In certain cases, of course, it is reasonable for the firm to vary the terms of an insurance policy after the customer has bought it, such as when the nature of the risk changes so fundamentally that the subject matter of the insurance is completely different.
I suppose the Insurers would view their Insured having a heart attack would be something fundamental, that they should know about and therefore it would not be unreasonable to alter the terms of the policy.
Perhaps the person concerned should contact the Insurers in question and ask them to review the terms applied, in line with the FOS details on this.The comments I post are personal opinion. Always refer to official information sources before relying on internet forums. If you have a problem with any organisation, enter into their official complaints process at the earliest opportunity, as sometimes complaints have to be started within a certain time frame.0 -
Interesting. Begs the question as to why the condition to inform of change in health, still features in annual policies. It may be this.
In certain cases, of course, it is reasonable for the firm to vary the terms of an insurance policy after the customer has bought it, such as when the nature of the risk changes so fundamentally that the subject matter of the insurance is completely different.
I suppose the Insurers would view their Insured having a heart attack would be something fundamental, that they should know about and therefore it would not be unreasonable to alter the terms of the policy.
Perhaps the person concerned should contact the Insurers in question and ask them to review the terms applied, in line with the FOS details on this.
You have omitted the word such as buying a new car from your quote, the FOS is basically saying that in most situations a travel insurer has to accept that when they take on a policy they accept the potential risk that the policyholders health may change between the holiday without altering the cover or premium.
After reading the second link, now read the first link I provided and note cases 64/08 and 64/06. I think you will see that provided the OP's heart will be covered by the policy and the Insurers cannot charge extra0 -
Dacouch
I have had a 'change of heart' (pun intended) and I think you are probably right.
Do you think it would make any difference if the person concerned had already advised of a heart condition and had an endorsement placed on the policy, to make it a condition to advise of any change in medication ? They should have been informed that the terms would be reviewed if there was a change in medical health.
I.e. what I am saying is that the heart condition had already been factored in, when calculating the premium. But the premium only took into consideration the health condition at the time and following this change in health, they are entitled to apply terms that reflect the revised risk?The comments I post are personal opinion. Always refer to official information sources before relying on internet forums. If you have a problem with any organisation, enter into their official complaints process at the earliest opportunity, as sometimes complaints have to be started within a certain time frame.0 -
Dacouch
I have had a 'change of heart' (pun intended) and I think you are probably right.
Do you think it would make any difference if the person concerned had already advised of a heart condition and had an endorsement placed on the policy, to make it a condition to advise of any change in medication ? They should have been informed that the terms would be reviewed if there was a change in medical health.
I.e. what I am saying is that the heart condition had already been factored in, when calculating the premium. But the premium only took into consideration the health condition at the time and following this change in health, they are entitled to apply terms that reflect the revised risk?
I think the FOS overall rulings on varying the cover etc mid term would overule the placing of the endorsement assuming it was in the current period of insurance etc.
I think 64/07 and 64/06 both touch on this subject0
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