Travel insurance cover if cancel because of ill relative

angelicmandy

Hi all, I'm finding small print not easy to understand with travel insurance policies. I'm currently getting quotes at the moment for me and my partner but want a policy that would also cover us if we had to cancel if an immediate relative became ill and we decided not to go on holiday. Has anyone been in this situation or know if all policies work in the same way in this regard?

Kernow666

https://forums.moneysavingexpert.com/discussion/3767819


read this

sheramber

You can get cover but it would require a doctor's certificate that the illness was not pre existing and unforseen when the insurance was taken out . It would also depend on the illness and the prognosis.

If you are unsure then have a chat on the phone to the company to find out what cover you can get.

angelicmandy

thanks each, slightly different situation from the one in your link Kernow666 as the relative has not been diagnosed with anything - they are just a little elderly & would expect us to not travel if they were ill in any way whatsoever I think our best bet is to phone a company.
many thanks

EssexExile

This is what Columbus Direct says, seems pretty good but I haven't tested it!

Anyone upon whom the trip may depend
An immediate relative who is not travelling with
you, a travelling companion not insured by this
insurance or the person with whom you are
intending to stay, may have an existing medical
condition. In some cases, if their state of health
deteriorates greatly, you may want to cancel or
curtail your trip.
Subject to all the other terms and conditions,
such claims are covered if the person’s medical
practitioner can confirm in writing that, at the
time you bought this insurance, or at the time
of booking the trip, whichever is the later, they
would have seen no substantial likelihood of their
patient’s state of health deteriorating to such a
degree that this would become necessary. If the
medical practitioner will not confirm this, your
claim is not covered.