Travel insurance and death of a parent

paulpud

Torry_Quine wrote: »

Is there a reason why you have to wait so long for the funeral as I would have thought a death today could mean a funeral the middle of next week around the 12th?

We spoke to the funeral director yesterday and he informed us that it is unlikely that the crematorium could accommodate us within this time scale.

SandC

Sorry for your loss. I think when it's someone of this kind of age it's likely that the insurance would cover you - your partner as it is her mother and you as travelling companion.

I do recall a friend when his mother passed away had his claim refused because the funeral was to have already taken place by the holiday date. As it happens he was glad he still took the holiday as it gave him some breathing space and downtime.

Hope things work out okay for both of you.

Millerdog

I'm sorry to hear of the loss of your Mother in Law.

I wondered if you had looked at delaying your holiday.
Would the travel agent/insurance help with rebooking for a later date maybe rather than cancelling?

This could offer you a bit of time to sort out your immediate concerns.

paulpud

I yesterday spoke to the insurers and they confirmed we would be covered but if it transpires that the cause of death was due to a previously diagnosed condition any claim would be rejected. Bearing in mind in the last 3 or 4 years she had been suffering from so many different ailments involving dozens of hospital visits a year I think the odds would be stacked against us.

I also looked into delaying the trip, which is an option, but a fairly expensive one. Our outbound/inbound flights would cost £300 to reschedule alone, and on top of that there would be all sorts of deposits lost and fees to rebook on internal flights and accommodation. I think taking it all into account we'd be looking at costs of around £900 to delay the trip.

We have a continuing delay on the death certificate and have been told that it is likely to be towards the end of March before the funeral can take place so, as it stands at the moment, we are considering travelling as originally planned and to organise the funeral for our return. It's been a difficult decision, but I'm hoping that it will give my partner a bit of respite once everything has been finalised, hopefully later this week.

Thanks again for all the advice and condolences.

Archergirl

It's shame that it has to be that way round, would have been nice to have a holiday to help the healing, but if it has to be then have your holiday and try to enjoy it. x

paulpud

Archergirl wrote: »

It's shame that it has to be that way round, would have been nice to have a holiday to help the healing, but if it has to be then have your holiday and try to enjoy it. x

It would have been better if we could have travelled afterwards but after looking at the situation from all angles we decided that, with the funeral arrangements finalised and all the necessary wheels set in motion to deal with other issues, we will at least be occupied with our trip rather than kicking our heels at home waiting for things to happen. Not ideal but I guess sometimes it's just necessary to take a more pragmatic approach.