Insurance for if gran dies

InsideInsurance

gettingtheresometime wrote: »

So should I declare any illnesses my mum has when I take out travel insurance?

The problem is that unless your Mum is travelling with you the vast majority dont give you the option to declare it and just blanket exclude any pre-existing conditions.

If she has an illness that may result in your cancelling your holiday then you need to seek out the minority of insurers that do give you that option.

InsideInsurance

roddydogs wrote: »

Suppose Gran hadnt told anyone about the situation?

Irrelevant, unless she hadnt told anyone at all including doctors etc and the doctors are unable to work out that clearly she'd been suffering in silence for some time in which case the date of illness will be noted as much more recent in which case as long as that date is after inception of the policy then you'd be ok but obviously this is a very long shot.

If the policy is the minority that asks you to declare but you didnt then this could be the excuse for having not committed fraud but the claim would still be declined you just avoid the policy being voided and a possible loading to CIFAS

goggle

I visited the USA when my Mum was dying of cancer. I rang up & spoke to the insurance company (I can't remember who but it may well have been RAC or AA) and they noted that my Mum was diagnosed with terminal cancer & was no longer undergoing treatment. They specifically noted that my Mum was NOT travelling with me, but in the event of her death, or the hospital calling with "imminent death" just before travel then I was covered for this.
I had to TALK to the insurance company not just do it on line - they were very helpful!

jonesMUFCforever

goggle wrote: »

I visited the USA when my Mum was dying of cancer. I rang up & spoke to the insurance company (I can't remember who but it may well have been RAC or AA) and they noted that my Mum was diagnosed with terminal cancer & was no longer undergoing treatment. They specifically noted that my Mum was NOT travelling with me, but in the event of her death, or the hospital calling with "imminent death" just before travel then I was covered for this.
I had to TALK to the insurance company not just do it on line - they were very helpful!

Did you have to make a claim?
If not you have no idea whether they would have actually paid out.

rs65

I thought pre-existing conditions only related to insured persons.

Cancellation/curtailment cover can apply if a non-travelling relative dies or falls seriously ill. Do insurers ask for pre-existing conditions of all partner, parents, parents-in-law, sons, sons-in-law, daughters, daughters-in-law, brothers, brothers-in-law, sisters, sisters-in-law, step-parents, step-children, legal guardians, grandparents, grandchildren, fianc! or fianc!e.

You can only answer questions (or assumptions) to the best of your knowledge.

If you know a grandparent is terminally ill then this may fall under a known reason why you might have to cancel or curtail but if they hadn't been diagnosed terminal, I would expect insurers to pay.

jonesMUFCforever

From first post - Gran is terminally ill from cancer - I think that covers it.
IMO they would not be covered for curtailment/cancellation of holiday.

rs65

jonesMUFCforever wrote: »

From first post - Gran is terminally ill from cancer - I think that covers it.
IMO they would not be covered for curtailment/cancellation of holiday.

I think I would agree. Not for the pre-existing talk in earlier posts but for the known reason that cancellation is possible.

callum9999

jonesMUFCforever wrote: »

Did you have to make a claim?
If not you have no idea whether they would have actually paid out.

They would have no choice but to pay out if they were specifically told they are covered for that eventuality (assuming you could prove they said that of course - they should have a recording of the call but for something as critical as that, I'd personally make my own recording).

Granted that's no good for the rest of us who don't have a conversation with that "misinformed" representative!

knightstyle

How about buying a flight with the option of changing the return date for a small fee?
We were living in France a few years ago and our grand daughter in UK became very ill. We found a ticket from BA with fixed outward, next day, but changeable return dates which was cheaper than a one way flight.

InsideInsurance

rs65 wrote: »

I thought pre-existing conditions only related to insured persons.

Cancellation/curtailment cover can apply if a non-travelling relative dies or falls seriously ill. Do insurers ask for pre-existing conditions of all partner, parents, parents-in-law, sons, sons-in-law, daughters, daughters-in-law, brothers, brothers-in-law, sisters, sisters-in-law, step-parents, step-children, legal guardians, grandparents, grandchildren, fianc! or fianc!e.

You can only answer questions (or assumptions) to the best of your knowledge.

If you know a grandparent is terminally ill then this may fall under a known reason why you might have to cancel or curtail but if they hadn't been diagnosed terminal, I would expect insurers to pay.

No, they just cant accuse you of fraud. Its your duty to ensure the answers are correct.

Its no different to the issue you would have if you had a Named Driver on your car insurance who'd been disqualified from driving but had not told you/ lied then the insurance wouldnt pay out if they drove the car and crashed it.