Travel Insurance Claim - I need your help

[Deleted User]

Well I have a big mess and don't even know what to do.

My partner had been suspected to have gallstones, so;

She took out insurance and declared

I took out seperate insurance for me and the children

She is now in hospital, we have been forced to call ambulances twice now.

We travel next Thur, but I guess we won't be able to.

Can we claim?

The main issue is, my father booked everything for us in his own name, obviously we are listed and he booked a large house - so what do we do about that.

Don't even care for our money, just want to give his money "wasted" back.

trailingspouse

It probably depends on your policy - the best thing to do is to ask them. We had a similar situation last year, where we were attending a family wedding in Greece - the flights were booked as one big group, and we just sent money to the person doing the booking, and the accommodation was booked the same way. I rang our insurers (Lloyds, through our current account) and asked if we would be covered even though we didn't ourselves have a contract with the airline or the accommodation providers - and there answer was yes.

So just ring them.

Archergirl

Did you declare her gallstones on your ins? If not then you may have a problem, they do usually ask if anyone travelling with you or at home has an issue with their health that may cause you to cancel, why did you do the ins seperatly not as a family?
As above, phone and ask.

[Deleted User]

Thanks for replies.

We did it seperately as we could get a better policy that she could not get due to her condition.

We did declare her problem on her policy, it didn't ask about her on ours, but I notice it says on our policy if you knew she was ill enough not to go they will not pay - it's my view we didn't know and we still don't.

We really want to go, but I'm so unsure of what to do now. The problem can only be managed as surgery is the cure and it cannot happen yet, she simply requires strong pain relief - but I don't fancy going to a hospital in europe.

Thanks again

bouncydog1

Your partner does not need strong painkillers, she needs the gallstones sorted. There will be a clause in the policy about awaiting surgery and you do not want to get into a situation where she is forced to have the surgery in a foreign hospital, as there is every chance that she would not be covered.

It would be one thing going with gallstones which had caused no trouble, another entirely when she has been hospitalised twice just before travelling and is awaiting surgery.

Tough as it seems you need to face that the trip may have to be cancelled. I would think that your partner's insurance would pay for her costs of the cancelled trip, but if you did not declare her condition on your policy then the position is not clear, as it will depend on what your policy states.

There will have been a question on the proposal form about any person with whom you intend to travel - it will not state "who is also covered under this policy". Ring your insurers and explain you may need to cancel the trip as your partner is in hospital and see what they say. Is there any way you and the children could still go, if you are not covered for the cost? Not ideal but at least you wouldn't lose everything?

rs65

Who is your travel insurance with?

[Deleted User]

Thanks for the replies, the insurance is from a Company that I do not know, but I chose it because it compaired better when set alongside the bigger names.

I'm a little unsure of what to do. She wants to go still and says she will manage it, she has stronger painkillers but the truth is she needs it removed and will get it done next month.

But in the meantime it's all about pain management, the last two times she hasn't been able to, but she is also now on a diet of dry bread.

I'm just wondering what's best to do, I don't want to end up in a hospital in Portugal and I don't fancy having to pay a 20K bill for treatment - if I were able to I'd just pay 5K to get it done in the private hospital today.

I always seem to end up in these situations. The children are only 9 months and 5 and do not want to go without their mother. EEEkkkkk stressed more than before :-(

NOTE - If we were to go I'd have to call her insurance back and pay extra as she is now awaiting surgery - I think it's £100 more. But I'm not prepared to take any risk considering the circumstances - if she has to be treated there we need full cover.

Thanks again.

mayfair1985

assj wrote: »

Thanks for the replies, the insurance is from a Company that I do not know, but I chose it because it compaired better when set alongside the bigger names.

I'm a little unsure of what to do. She wants to go still and says she will manage it, she has stronger painkillers but the truth is she needs it removed and will get it done next month.

But in the meantime it's all about pain management, the last two times she hasn't been able to, but she is also now on a diet of dry bread.

I'm just wondering what's best to do, I don't want to end up in a hospital in Portugal and I don't fancy having to pay a 20K bill for treatment - if I were able to I'd just pay 5K to get it done in the private hospital today.

I always seem to end up in these situations. The children are only 9 months and 5 and do not want to go without their mother. EEEkkkkk stressed more than before :-(

NOTE - If we were to go I'd have to call her insurance back and pay extra as she is now awaiting surgery - I think it's £100 more. But I'm not prepared to take any risk considering the circumstances - if she has to be treated there we need full cover.

Thanks again.

Don't go. For gods sake it's not worth risking it. Forget the money and think of her health.

bouncydog1

No choice IMO. What happens if there are complications and she is rushed to hospital and has to undergo emergency surgery? How will you feel about the distress this would cause your children.

In addition you may find because she needs the op and is putting it off having been taken to hospital twice recently, insurer s are not prepared to insure her because there is a high risk that she will be taken ill whilst away. also consider what happens if she is taken ill on The flight and the plane has to divert - not scaremongering, facing reality, which you and your partner do not seem to be doing.

[Deleted User]

I appreciate what you are saying.

We are not putting it off, but have to wait for surgery, I booked a private consult but the list was the same and it's the same dr.

She wants to go and so do I. So when she tells me she is going - I obviously think she may be okay and if we have insurance then is she is not we are covered.

The problem as I said is simply her pain, the hospital says she needs to deal with this - but of course if you cannot then this is when problems (the last few days) have arisen.

I think we are only going because the holiday is a gift and a lot of family are going. We have only paid for flights, and our transfers and airport parking have been paid for.

We can get insurance and will be fully insured, but as you say that does not resolve the worry or the decision go or not to go...

I said no at first, but the more she settles down the more tempting it is to just go, probably because she just keeps saying we are going. :eek:

I ask myself why me LOL :rotfl:Thinks are never simple, but they are not that bad thank god!

Slowhand

I doubt you'll be covered by insurance.