Single Trip Travel Insurance

HelenNoreen

Neversurrender said:

55ryan said:

You are covered based on the you now. So the way your health is now. Anything that crops up before you go away means the insurance is 'invalid'. For example, 'do you have two legs'...you do now but if you lose a leg in a couple of months this could affect your ability to get around once you go on your trip and increase the risk of an accident. So the insurance would have to be adjusted to take that into account. Some will do just that or say no thanks.  Quite normal. 

It is a contract. If anything changes inbetween it makes the original contract void. You are insured based on your health at the time. 

But that is surely senseless, as I am insuring against the unexpected.

Thats no different to paying for home contents insurance, then getting your TV stolen, then the insurance company saying you won't get cover

Let me put it another way, let's say I have paid for travel insurance, and declared all pre existing conditions, I passed screening and all is accepted.

Then between now and when I travel I have a major illness, so contact the insurer, and let them know.  They would probably say  we don't recommend you travel, and if its proved medically that travel is not advised, then the insurer covers any cancellation charges for the holiday.  Now that's what I would expect

Your last paragraph - exactly that. At a point your heath changed - the insurer would tell you whether they accept the new risk, and if so what the additional premium would be (if any), and you continue with your cover with a view to travelling.  If they don't accept the risk, or you are not fit to travel, at that point you submit a cancellation claim. 

User1977 has explained exactly how it works. And what you expect to happen (from your last paragraph), is exactly what happens. 

daveyjp

You are covered from now for health conditions which may arise between now and date of departure which result in cancellation.

We have benefitted when we had to cancel two holidays due to pregnancy and GP advice not to travel.

Neversurrender

HelenNoreen said:

Neversurrender said:

55ryan said:

You are covered based on the you now. So the way your health is now. Anything that crops up before you go away means the insurance is 'invalid'. For example, 'do you have two legs'...you do now but if you lose a leg in a couple of months this could affect your ability to get around once you go on your trip and increase the risk of an accident. So the insurance would have to be adjusted to take that into account. Some will do just that or say no thanks.  Quite normal. 

It is a contract. If anything changes inbetween it makes the original contract void. You are insured based on your health at the time. 

But that is surely senseless, as I am insuring against the unexpected.

Thats no different to paying for home contents insurance, then getting your TV stolen, then the insurance company saying you won't get cover

Let me put it another way, let's say I have paid for travel insurance, and declared all pre existing conditions, I passed screening and all is accepted.

Then between now and when I travel I have a major illness, so contact the insurer, and let them know.  They would probably say  we don't recommend you travel, and if its proved medically that travel is not advised, then the insurer covers any cancellation charges for the holiday.  Now that's what I would expect

Your last paragraph - exactly that. At a point your heath changed - the insurer would tell you whether they accept the new risk, and if so what the additional premium would be (if any), and you continue with your cover with a view to travelling.  If they don't accept the risk, or you are not fit to travel, at that point you submit a cancellation claim. 

User1977 has explained exactly how it works. And what you expect to happen (from your last paragraph), is exactly what happens. 

Hi, Many  thanks for your kind reply and explaining it to me.

It would appear maybe I didn't properly explain myself initially in my earlier  post, so apologies for that to all concerned.

The insurance from how you explain, is behaving exactly as I would hope.

Thanks again

Neversurrender

daveyjp said:

You are covered from now for health conditions which may arise between now and date of departure which result in cancellation.

We have benefitted when we had to cancel two holidays due to pregnancy and GP advice not to travel.

Thankyou, thats what I had hoped, thanks for explaining