Travel insurance claim help

niccstar

Context: Back in March, myself, my husband and our 2 year old were supposed to fly to Iceland for a 4 day trip. Flight was delayed from 8am til about 3pm and we arrived at the airport at about 11am. The day before our toddler had been sick multiple times but, you know, toddler, so when she seemed fine the next morning, we headed for the airport. While we were waiting for the flight, I started vomiting - at the time I was about 13 weeks pregnant - and my husband also started to feel unwell. We decided that we would leave the airport for reason of both feeling terrible and not wanting to spend 4 days in a hotel room and out of courtesy for other travellers on the plane. 

I cancelled everything asap (all booked myself - hotels, car hire and obviously we were no shows on our flights) but because we felt it was obviously a stomach bug/norovirus type thing, we did not contact a doctor or anything because in other circumstances I don't think you would, and the difficulty in getting an appointment...a stupid error on my part I think. So of course my insurance claim has been rejected twice, and they've finally said its because they want a medical report - am I right in thinking that there's no hope in getting anything back without one? Does anyone know of anything else we could do?

Lesson well and truly learned.

Thank you for any help!

Sandtree

You can follow their complaint process but otherwise it looks as much like a change of mind as illness. The general principle of most insurance is that its up to you to prove an insured peril (eg illness) is the cause of the loss.

Did you speak to the airline? We got to check-in and went to get the passports out the wallet only to find we only had one. On the desk they just told us to go away and find it. After emptying everything it wasn't there so went home, passport was sitting there, went to the pub. Called the airline, by which time the flight had flown, and they were very apologetic about their desk staff's attitude and moved the flights out by 1 week.