moderate risk (clinically vulnerable)

Treeman3

OP if you decide you or your party are too vulnerable to travel despite being given the go ahead, then it would be an insurance job rather than the a refund from the travel agents, I would say, hoping they have the appropriate insurance in place which is hard to know as most people won't have.    

We have insurance pre covid19, so its not excluded, but wether it is covered in this instance is hard to say after looking at the small print, I'm not a lawyer. I'd like to go on holiday and have considered the above points and also once we get to the destination, whats going to be open? Lets see what the Gov says about travelling on planes, but I suspect it will be face masks and disinfictant only

Browntoa

I agree , most parents are horrified if their child creates .

Streaky_Bacon

The other issue here is one of disclosure.

If you believe that people in your party may be at increased risk, and you travel without disclosing this to the insurance company, and the insurance company get wind of it, then it is likely that any claim (especially one directly related to their increased risk) may be refused.

By disclosing the position to the insurer, it gives them the opportunity to decide to cover you cancelling the holiday, and also means that you can show you disclosed the information to them, if you do have to claim.

The problem at the moment is communicating with the insurance company.

If you feel that it is something you should disclose, I would suggest at least putting it in writing to them ASAP, but ideally try to get somebody on the phone, and record the call.

Browntoa

If you have travel insurance with someone like staysure then all health issues should have been disclosed on purchase .

Streaky_Bacon

Browntoa said:

If you have travel insurance with someone like staysure then all health issues should have been disclosed on purchase .

I've no doubt that Browntoa is right, but I would still suggest contacting the insurer, because even though the health conditions may not have changed, the risks have.

If you go ahead and travel, you will be doing so in the belief that members of your party are at higher risk than would have previously been the case. You are taking on what you, rightly or wrongly, believe to be an increased risk.

If it came to a claim, the travel insurer may argue that, even if the health conditions were disclosed at the beginning of the policy, that doesn't entitle you to risk travelling if you become aware that doing so may have an increased risk.

It's always better to over disclose than under disclose in these situations.

Browntoa

On reflection I'm with the above