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Holiday illness

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I am looking to claim for illness and hospital costs while on holiday, but not sure where to direct things first.
Is it the tour operator, who apparently are responsible for their holidaymakers welfare, or should I go through my holiday insurance?
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  • soolin
    soolin Posts: 74,105 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    It should be your insurance , but most require you to notify them at point you need treatment so they can pre approve it and direct you to the correct place Did you notify them when you sought medical assistance at all? 
    I’m a Forum Ambassador and I support the Forum Team on the eBay, Auctions, Car Boot & Jumble Sales, Boost Your Income, Praise, Vents & Warnings, Overseas Holidays & Travel Planning , UK Holidays, Days Out & Entertainments boards. If you need any help on these boards, do let me know.. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com.All views are my own and not the official line of MoneySavingExpert.
  • soolin said:
    It should be your insurance , but most require you to notify them at point you need treatment so they can pre approve it and direct you to the correct place Did you notify them when you sought medical assistance at all? 

    Unfortunately, I took advice at the time from the holiday rep, who directed me with the help of hotel staff, to a doctor. Who, in turn, advised I should go to their facility due to needing to be admitted. This was apparently a private facility, and they did not recognise the EHIC or GHIC card, just my credit card. However, I did inform the insurance company while in triage at said medical facility, and was discharged back to the hotel the next morning.

  • Curious as to why you thought the tour operator would be liable to pay your medical expenses. Was the illness their fault? Some more context needed here.
  • Sorry to have rattled your curiosity emmajones1976 - My question about "tour operators being responsible the welfare of their customers", was because I read it while searching for info on the subject, and I was looking for support regarding a ruined holiday.
  • emmajones1976
    emmajones1976 Posts: 1,345 Forumite
    1,000 Posts Name Dropper
    edited 1 November 2021 at 3:13PM
    Surely that depends if the actions of the tour operator and/or their contractors (the hotel, airline etc) ruined it for you, hence why the context is important.  "Being responsible for welfare" doesnt neccersarily also mean "paying for medical expenses".

    Sorry for asking questions, I wont next time 🙄
  • Sandtree
    Sandtree Posts: 10,628 Forumite
    10,000 Posts Fourth Anniversary Name Dropper
    Sorry to have rattled your curiosity emmajones1976 - My question about "tour operators being responsible the welfare of their customers", was because I read it while searching for info on the subject, and I was looking for support regarding a ruined holiday.
    It may be helpful if you are clearer on your question... are you looking to get your medical costs covered or are you looking for a partial refund of your holiday for loss of enjoyment?
  • Was your illness caused by Holiday operator ? 
  • Sandtree said:
    Sorry to have rattled your curiosity emmajones1976 - My question about "tour operators being responsible the welfare of their customers", was because I read it while searching for info on the subject, and I was looking for support regarding a ruined holiday.
    It may be helpful if you are clearer on your question... are you looking to get your medical costs covered or are you looking for a partial refund of your holiday for loss of enjoyment?
    Even the latter is irrelevant is the illness wasnt caused by the tour operator and/or its contractors.  
    I have just returned from a week away and had a nasty cough all week, I didnt think to contact Jet2 on return to say this ruined my enjoyment of the holiday and to ask for a partial refund.
  • You are so right, having a cough is not worthy of trying to get a refund. And as for the illness which put me in hospital, it was caused by the tour operators contractors, ie the hotel. But you don't need to know that.
  • Its very relevant to your question though, especially when trying to seek assistance on an internet forum. Maybe other forum members can tease other details out of you in order to assist you further.
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