cancelled my flight because i was ill

antenna

When you book and pay for a £1700 holiday,only a fool does not get travel insurance the same day............nuff said.

antenna

debsy1963 wrote: »

Are you been serious, am i really going to lose £1700 and my holiday to claim on the insurance !!!!!!

No,but.....for one reason or another you decided you did not want to go and you thought travel insurance was your perfect get-out.

GwylimT

Hi OP

You say you already had the flu when you took out your insurance, so unfortunately your travel insurance would not cover you as you had an undeclared pre-existing condition.

To be able to successfully claim on travel insurance your condition must not be pre-existing (unless specially declared and agreed by the company eg complications with type 1 diabetes), but you must also be declared unfit to fly by a qualified doctor. The fact that pre-existing conditions are not covered would have been very clear in the terms and conditions of your insurance.

I personally have a few medical conditions therefore when I book a holiday I immediatelty buy insurance which also covers these conditions, a few years ago I had a severe kidney infection, I was in hospital the night before my flight on fluids and IV antibiotics as my body struggles to shift them, yes I felt nauseous, yes my back ached, I had quite a high temperature and I was a little dehydrated, that doesn't make someone unfit to fly. They may not particularly enjoy the flight, but I was not a danger to myself and I did not have a particularly nasty infectious illness such as measles etc.

You could have a look at your bank accounts, some include travel insurance, but it is very unlikely they will pay out as you were able to go on holiday but you chose not to. If you haven't already, contact who you booked through to plead your case, they may allow you to change your dates for a fee and any price difference between your first and second holiday date.

melb

has anybody seriously put flu or a cold down as a pre-existing condition on a travel insurance form? What percentage of people haven't had flu ever?
Get back in touch with the insurance firm and ask how to proceed and ask your doctor to sign a form saying your symptoms were not there when you took out the insurance (as they have confirmed to you). A relative of mine did not fancy a trip to Turkey and her doctor signed the form as the stress of going so near to Syria a few months ago had made her depressed and she was classed as unfit to fly.

cubegame

melb wrote: »

. A relative of mine did not fancy a trip to Turkey and her doctor signed the form as the stress of going so near to Syria a few months ago had made her depressed and she was classed as unfit to fly.

It's crap like this that GPs have to put up with that makes it so impossible to get an appointment when people are truly ill.

You shouldn't be encouraging the OP to ask their doctor to be implicit in another case of insurance fraud.

shaun_from_Africa

melb wrote: »

has anybody seriously put flu or a cold down as a pre-existing condition on a travel insurance form? What percentage of people haven't had flu ever?

No, but if I had been to see a doctor shortly before taking out the insurance, I certainly would have mentioned that fact to the insurers as that appointment would be on record.
Any bacterial or viral infection (such as flu) will lower your resistance to other bugs which could easily explain why the OP ended up with a urinary infection.

There is a very good chance that if the initial consultation was disclosed, there wouldn't have been any effect on their policy, but by not declaring it they have left themselves at the mercy of the underwriters.

bagand96

cubegame wrote: »

It's crap like this that GPs have to put up with that makes it so impossible to get an appointment when people are truly ill.

You shouldn't be encouraging the OP to ask their doctor to be implicit in another case of insurance fraud.

It's also crap like that that makes insurance premiums rise for the rest of us! Unbelievable.

Voyager2002

cubegame wrote: »

It's crap like this that GPs have to put up with that makes it so impossible to get an appointment when people are truly ill.

You shouldn't be encouraging the OP to ask their doctor to be implicit in another case of insurance fraud.

Disagree. Mental illness is just as much illness as a disease of the body. The doctor exercised clinical judgement and removed a circumstance that was making this woman ill. A far better use of the doctor's time than prescribing antibiotics for 'flu...

shaun_from_Africa

Voyager2002 wrote: »

Disagree. Mental illness is just as much illness as a disease of the body. The doctor exercised clinical judgement and removed a circumstance that was making this woman ill. A far better use of the doctor's time than prescribing antibiotics for 'flu...

But melb didn't say that their relative was ill, simply that she "did not fancy a trip to Turkey".
The way the post was worded make it sound as if it was stress was simply a convenient way to get the insurance to pay out for a change of mind.

melb

I didn't phrase my post correctly but some of the replies subsequent to that meant I couldn't be bothered to rectify it.