Flight refunds

tocsin

katejo wrote: »

I am fully aware of the need to have insurance at the time of booking so the following is a hypothetical example.

1. I have an annual policy which is still valid for 3-4 months at the time of booking the trip so I don't take out a new policy straight away.

2. Let's say I book a trip for September with the intention of renewing my annual policy in June when it is due to expire.

3. Between now and June, i develop a new condition which might prevent me from travelling.

In this case, should i be eligible for refund if a doctor says that i can't travel or should i extend/renew my annual policy at the time of booking the trip?

I have an annual policy through my bank, and the way it works there is that I phone the insurer and we have a conversation: holiday, health, aged relatives, etc. This can be before or immediately after booking the holiday. They then tell me - in writing - that we're covered for the holiday (with any exceptions listed). If any circumstances change, I am to let them know, but cancellation costs are covered throughout. (Assuming i don't cancel the insurance/ close the bank account, of course!).