Refusal of holiday insurance claim following ivf

suziqqq

I would cut your losses and thank god that your IVF was successful, you have bigger things to worry about now.

yellowmug

I would contact the insurance ombudsman (is it the Financial Services Authority? Not sure) before your MP I think. It very much depends on their wording of the T&C but I think you have a good chance of arguing your case, and you should do so because you have been unfairly treated.

Yes, there's a stated % chance of becoming pregnant after IVF treatment (just as there is after each cycle of trying to conceive naturally), and a somewhat higher chance of pregnancy complications for IVF pregnancies (a twin pregnancy is not a pregnancy complication), but the same is true of women becoming pregnant at over 35, with certain medical conditions and so on. Should they also be refused cover?

As for those who are saying you shouldn't go on holiday whilst pregnant with an IVF baby - what nonsense. Pregnancy isn't an illness and travel itself poses no risk. In fact, I can imagine that a relaxing holiday would promote better health and wellbeing.

Best of luck with everything.

lea2012

Thank you for the clarification regarding my questions. I understand a lot better now. I was aware that IVF would be seen as a medical procedure as such, I just didn't know if it would be taken in the same context as say heart surgery or knee surgery. I suppose all medical interventions are classed as the same for insurance purposes and if DVT / Embolism is more likely in IVF pregnancy then that would also create issues for the insurance.

I do agree that it's still worth speaking to the financial ombudsman but if you have most of your money back and don't stand to lose too much (bear in mind any excess charges on your insurance too, if any) then I would say cut your losses and concentrate on the joys of pregnancy instead.

jpsartre

lea2012 wrote: »

Since when has it been necessary to disclose to insurers that you are trying for a baby??

They were receiving fertility treatment which must be declared.

shaun_from_Africa

lea2012 wrote: »

Since when has it been necessary to disclose to insurers that you are trying for a baby?

If I wanted to lose weight and went on a diet without consulting a doctor then I wouldn't need to declare this fact when taking out travel insurance.
However, if I wanted to lose weight and was taking medically prescribed appetite suppressants then I would have to declare this.

Surely you can see the difference between trying for a baby naturally and trying for a baby by way of a medical procedure.