Travel Insurance

suekuy

Last year I purchased Covid specific Travel Insurance from a well known travel insurance company in order to cover myself and family should we have to cancel our trip due to having the Corona Virus. This insurance was not cheap but would be worth it should we have to cancel our expensive trip to Disneyworld Florida. Our trip has now been cancelled by the travel company and all monies returned. I have been in touch with the insurance company to say our holiday is now cancelled and we know longer need the cover so would like a refund.  They have refused stating it is non-refundable but as a gesture of goodwill will extend the cover. Considering we are being advised by Government Ministers not to make plans for holidays and the whole issue with the quarantine process this would seem a fruitless gesture. Has anyone else had such problems? 

elsien

You  paid for insurance cover from the date you took the cover out.
You were covered against accident/illness/bereavement/ Trump banning UK visitors because he doesn't like the accent etc. from the day you took the cover out. If your travel company had declined to pay, you would have had a claim on your insurance. The fact that you didn't need to use the cover is irrelevant; you were still insured.
You don't get back from a holiday and say "I didn't claim so can I have a refund." This isn't hugely different. You pay in case you need it - in this instance you didn't but that doesn't negate that you have still been insured in the interim.