COVID Travel Insurance - UK staycation

[Deleted User]

katejo said:

Deleted_User said:

If they were too unwell to go, that is different from choosing not to go. 

Forget about it trying to treat it as a Covid specific issue. What does the policy say about illness and the evidence required?

If someone has Covid symptoms, it isn't a case of 'choosing' not to go but of feeling that it is your duty/responsibility  not to go. If the symptoms were mild (as I had with Covid), I would want to go but would feel that I shouldn't.

The OP said that they were too unwell to travel. That is different from your mild symptoms where you wanted to go.

Being too unwell to go is not 'choosing' not to go.

sheramber

Normally you need a doctor to state you are not able to travel to claim. 

katejo

Deleted_User said:

katejo said:

Deleted_User said:

If they were too unwell to go, that is different from choosing not to go. 

Forget about it trying to treat it as a Covid specific issue. What does the policy say about illness and the evidence required?

If someone has Covid symptoms, it isn't a case of 'choosing' not to go but of feeling that it is your duty/responsibility  not to go. If the symptoms were mild (as I had with Covid), I would want to go but would feel that I shouldn't.

The OP said that they were too unwell to travel. That is different from your mild symptoms where you wanted to go.

Being too unwell to go is not 'choosing' not to go.

I didn't say that they were the same. 

Thrugelmir

Sparky3900 said:

I’m looking at going away myself in June and considering COVID insurance but if the wording on T&Cs is being treated that ambiguously, I’m not sure insurance would be worth the paper it’s written on.

Book refundable accomodation. 

jimi_man

Thrugelmir said:

Sparky3900 said:

I’m looking at going away myself in June and considering COVID insurance but if the wording on T&Cs is being treated that ambiguously, I’m not sure insurance would be worth the paper it’s written on.

Book refundable accomodation. 

This. 

It is likely that most people will get it Covid at some point so ensure that any accommodation/travel is refundable. Yes you may have to pay more but nothing in life is free. 

Sparky3900

Thrugelmir said:

Book refundable accomodation. 

Rather obvious.

What happens when the clause in that refundable accomodation has a minimum notice of cancellation? What happens when you test positive literally 24 hours before and the hotel therefore refuse? Much like the insurance policy, any agreement on refundable accomodation isn't really worth the paper it's written on in those circumstances. 

jimi_man

Sparky3900 said:

Thrugelmir said:

Book refundable accomodation. 

Rather obvious.

What happens when the clause in that refundable accomodation has a minimum notice of cancellation? What happens when you test positive literally 24 hours before and the hotel therefore refuse? Much like the insurance policy, any agreement on refundable accomodation isn't really worth the paper it's written on in those circumstances. 

What would happen if you were ill with something other than Covid? Surely the same would apply? If you're too ill to travel then that's it and either the insurance pays out (or the accommodation is refundable) or it isn't. 

Sea_Shell

Look at it this way ...

The rules have changed, so we are really back to a pre-Covid era of "fitness" to travel.

What would your decision have been in 2019 when faced with your level of illness?   Put on a brave face and gone?

It was never the intention of that policy to let you "choose" to change your mind as to whether you went or not.  It was for regulations out of your hands.  The policy makes no "moral" distinctions about the "right" thing to do.

Separate Medical cancellation (for ANY illness/injury) will have its own criteria.  Do you meet those?

Otherwise you could now potentially have people claiming for "Covid" cancellation, when in fact they just didn't fancy going anymore as the weather was forecast to be bad.

ripplyuk

jimi_man said:

Sparky3900 said:

Thrugelmir said:

Book refundable accomodation. 

Rather obvious.

What happens when the clause in that refundable accomodation has a minimum notice of cancellation? What happens when you test positive literally 24 hours before and the hotel therefore refuse? Much like the insurance policy, any agreement on refundable accomodation isn't really worth the paper it's written on in those circumstances. 

What would happen if you were ill with something other than Covid? Surely the same would apply? If you're too ill to travel then that's it and either the insurance pays out (or the accommodation is refundable) or it isn't. 

The insurer will require proof from a doctor that the person is too ill to travel. This govt guidance change from mandatory to advisory is going to lead to GP’s (who are already too busy) being inundated with patients needing this sort of evidence. 

Having said that, the chances of actually getting an appointment with an NHS GP in the required timeframe, before the person has recovered, is unlikely so the private GP services should do well out of this. 

Sparky3900

jimi_man said:

If you're too ill to travel then that's it and either the insurance pays out (or the accommodation is refundable) or it isn't. 

That's the whole point of the post/question?!

All the necessary protections were in place but neither the hotel or the insurance are accepting the claim.