Travel insurance for teenager daughter recovering from anorexia nervosa

elsien

You can always phone them up and ask the question if you're not sure but I would suggest also asking if you exclude the anorexia what other related things may also not be covered? You won't get a definite answer because that's a decision they'd make as and when a claim may need to be made, but it might give you some indications as to whether you then want to pay extra to have it covered or not. 
It's not a recommendation because I haven't used them, but some do seem to cover mental health, although possibly at a premium.

Holiday Insurance for Mental Health | Depression & Anxiety | Avanti (avantitravelinsurance.co.uk)

Ditto staysure.
Travel Insurance for Mental Health & Illness | Staysure™

sky_rat

MalMonroe said:

Have you tried Staysure? 

No but I will give it a try. 

Have you ever had to make a claim with Staysure ?  You dont know what an insurance company is like unless you need to make a claim.

What I should have asked for in my original post was for an insurance company that can be trusted and not try every trick in the book to get out of paying for a claim, but also provides good cover and at a reasonable price

My opinion of insurance companies is down to experience  with both insurance AND warranty, in fact warranty providers seem to be even worse when it comes to paying out for a claim.

My mum could not claim for a burn to the kitchen work top on her house insurance, because the insurance company considered the kitchen work top part of the building.

I could not make a claim for cement that had fallen out of my roof verge (on a new build) because NHBC said as it hadn't caused any water damage they would not pay for the repair.  This implied that I had to wait for the damage to get worse and cause a leak before NHBC would pay for the repair, which would cost them even more !

My car warranty tried to get out of replaciing a shock absorber which was leaking, stating it was a wear and tear item even though it was a faulty shock absober (I managed to get them to pay half in the end)

I remember hearing in the media about a mobile phone insurance provide that would not pay out for a stolen phone, because the T&Cs state the owner had to fight with the thief to prevent it from being stolen, but because they didnt put up a fight the claim was rejected.

It's all these get out clauses and gray areas that these providers seem to use to avoid paying out for a claim.

The T&Cs are always in small print and there are so many to read through and not always clear.  To read through the T&Cs when searching for quotations would be like a full time job and you would need a degree in law to understand some of it.

Sandtree

sky_rat said:
My mum could not claim for a burn to the kitchen work top on her house insurance, because the insurance company considered the kitchen work top part of the building.

That is a standard definition... the 101 claims handler training is if you were able to take the roof off and turn the house upside down then everything that falls out is contents and anything that remains in is buildings. Fitted kitchens shouldn't fall out.

Did she not have buildings insurance? If it was a leasehold property then the freeholder's buildings insurance in theory will cover it but the excess may be high.

With some contents policies you can add "tenant improvements" covering you for damages to fixtures and fittings etc which can be a good idea if you're installing a high end kitchen esp with built in appliances or fancy bathroom etc into a leasehold or rented place.

sky_rat said:
The T&Cs are always in small print and there are so many to read through and not always clear.  To read through the T&Cs when searching for quotations would be like a full time job and you would need a degree in law to understand some of it.

The majority of insurance books dont have "small print" and are written in fairly plain English. I agree they are long and generally impractical to read them all cover to cover however it isn't too hard to search for things that are key to you, for example for me I want to ensure I have matching set cover, and then when you think you've found the one then to do a bit more of a read.

The reality is the majority of people dont read anything, a former client had a page of declarations (no criminal convictions, never had insurance cancelled etc) which you were instructed to read and scroll to the bottom of the page and click "I Agree" before you were then taken on to the payment screen. If you printed it out on A4 paper in font 11 it was about a side and a half (though bullets so not space efficient). Average time on that page? 2-3 seconds and that includes the time it takes to scroll down and get the mouse over the I Agree button.

sheramber

if a condition is excluded anything that could be related to it is also excluded.

You need to factor that in when deciding to exclude.

powerspowers

I’ve recently bought travel insurance through trailblazer and the screening tool lets you check costs before booking 

sky_rat

I've got quotations from Good to go Insurance and the Post Office.  The T&Cs are around 30 pages long, I've read half of the Good To Go Insurance T&Cs and my brain is a mush

Its almost impossible to compare T&Cs between different policies.

Good To Go Insurance Policy...

https://www.dropbox.com/s/wm4vpth0wn14hdd/GoodToGoInsurance.pdf?dl=0

Post Office Policy...

https://www.dropbox.com/s/k5ylcu55k58hxkd/PostIOffice.pdf?dl=0

Good To Go Insurance summary:

Post Office Summary:

TELLIT01

Cost doesn't seem excessive, given the area you are travelling to and the conditions covered.

sky_rat

This is what I mean by insurance companies being scum and how they try their hardest to get out of paying for a claim...

It just so happens that my patio door lock has failed, so thought I would claim on the home insurnace.  The policy covers keys and locks and suprise suprise they are trying to get out of paying out for a claim.

They want a report first to see why the lock has failed, as they wont cover a lock that has failed due to a faulty mechanism or wear and tear.

Insurance is not worth the paper its written on most of the time

martindow

sky_rat said:

This is what I mean by insurance companies being scum and how they try their hardest to get out of paying for a claim...

It just so happens that my patio door lock has failed, so thought I would claim on the home insurnace.  The policy covers keys and locks and suprise suprise they are trying to get out of paying out for a claim.

They want a report first to see why the lock has failed, as they wont cover a lock that has failed due to a faulty mechanism or wear and tear.

Insurance is not worth the paper its written on most of the time

Seems perfectly reasonable to me.  Insurance is not going to cover items that develop faults over time or fail due to normal wear and tear.  They are not offering a new for old repair service.

Sandtree

sky_rat said:

This is what I mean by insurance companies being scum and how they try their hardest to get out of paying for a claim...

It just so happens that my patio door lock has failed, so thought I would claim on the home insurnace.  The policy covers keys and locks and suprise suprise they are trying to get out of paying out for a claim.

They want a report first to see why the lock has failed, as they wont cover a lock that has failed due to a faulty mechanism or wear and tear.

Insurance is not worth the paper its written on most of the time

Home insurance isnt a maintenance policy, they dont replace your stuff just because it gets old. 

Mass market home insurance is written on the basis of insured perils (flood, fire, theft) and for you to have a valid claim you must show your loss has been caused by one of these perils. Top tier policies are written on an all risks basis and so the default position changes to everything is covered unless its explicitly excluded but even on these manufacturing issues, poor workmanship and wear & tear are excluded. 

That all said, even if it were covered then its unlikely to be economical to make such a small claim. After the excess is taken they'll be paying out next to nothing for just 1 lock and your premiums will increase for the next 5 years when the claim is declarable. Insurance is for the big events not the minor ones (and especially not for home maintenance)