Travel Insurance: Avoid Insure & Go

Lancs_Hotpot

I purchased travel insurance from Insure and Go with a 90 day policy to cover winter sports. I was injured after 3 weeks and had x rays etc., and was prescribed 10 sessions of physio. I paid for 2 and then spent weeks providing copies and jumping through hoops (based in a ski resort with limited access to printers and scanners etc.,) to get approval for the remaining 8 sessions, in considerable discomfort. Eventually (5 weeks later) I was told they wouldn't pay for the treatment in resort but they would fly me home. Once home it has taken them 6 weeks to settle the claim and they have declined to pay for the physio saying it is not a medical expense. Why didn't they say that in the first place, avoiding a lot of bureaucratic nonsense, and what sort of medical cover excludes treatment prescribed by a doctor? A lot of money for a product that didn't deliver and DREADFUL claim handling.

InsideInsurance

Travel insurance is about emergency medical cover to effectively patch you up well enough to get you fit enough to fly home. I suspect they are arguing that physio was not emergency medicine