Holiday cancellation dilemma due to illness

zagfles

Phildave said:

zagfles said:

Why wouldn't OP be covered? The event that caused the need to cancel occured while the existing travel insurance was valid.

See https://www.thisismoney.co.uk/money/experts/article-4603020/Can-cancel-August-trip-insurance-ends-July.html which seem to contradict advice above.

Hi, many thanks for this very useful article. Reading through it it’s implying that I am covered as the event occurred whilst the policy was still in force. 

A little bit more positive but still not holding out too much hope.

Best to check your policy terms, not all insurance is the same, it should be there somewhere.

TELLIT01

The only way to be certain is to speak to the insurer.  If you have a letter now advising against travel it would seem logical that you are covered by your insurer.  BUT only the insurer can give you their interpretation.  If they do refuse I would raise a complaint and take it from there.

soolin

I’d always assumed that my policy covered me otherwise annual policies make no sense at all. My policy for example runs July to July and due to having to declare pre existing conditions for both myself and OH they do not allow automatic renewal and each year we have to phone our existing and potential new insurers to get new quotes. They also don’t allow us to take out the new insurance too far in advance.

So I have holidays booked from now right through to October , all were booked since last July but obviously for the later ones my current policy will have expired and I might not be renewing with the same insurer. If something  totally drastic should happen now meaning I would have to cancel my holidays today I would expect all to be covered , otherwise how could I cover the holidays falling after July? Obviously if I got to the end of my policy and did not take out new insurance and then in August had some reason why I couldn’t travel then I wouldn’t insured as I would have no policy in place at the point I needed to claim. 

onashoestring

OP how did you get on ? 

Phildave

onashoestring said:

OP how did you get on ? 

Waiting to hear from them. (They requested that I get my GP to complete a LONG form with regards the incident despite the fact he has no knowledge of it as I was treated in a hospital and have a letter from the hospital). Beginning to feel this is going to be a long upward battle.

zagfles

Phildave said:

onashoestring said:

OP how did you get on ? 

Waiting to hear from them. (They requested that I get my GP to complete a LONG form with regards the incident despite the fact he has no knowledge of it as I was treated in a hospital and have a letter from the hospital). Beginning to feel this is going to be a long upward battle.

It sounds like good news in that they didn't immediately reject it due to the intended travel date being after the insurance expiry date.

twopenny

Sounds like a delaying tactic. The doctor maybe won't want to, may get around to it, may tell them to be in touch with the hospital.
Meanwhile you are getting exasperated unwell and may give up. 
I may sound cynical but I went through 9 months of a dispute with a 'reputable' big holiday company and work dealings with insurance. 8 out of 9 people gave up due to health, moves etc.
But on the up side by requesting confirmation it looks positive. 

stoneman

Phildave said:

onashoestring said:

OP how did you get on ? 

Waiting to hear from them. (They requested that I get my GP to complete a LONG form with regards the incident despite the fact he has no knowledge of it as I was treated in a hospital and have a letter from the hospital). Beginning to feel this is going to be a long upward battle.

They are probably looking to get your doctor to spill the beans that you had a totally unrelated condition ( like asthma as a child) as I did and my claim for breaking my leg in 3 places before my holiday got rejected

michele-p

Hoping you get it sorted, as others have said I'd assume that if you cancel now, you'd be covered on the current policy, but I'm no expert. I just wanted to say hope the kidney stone passes very soon, and without fuss. My husband also gets them time to time, sometimes it can be a very short lived thing, others not so much. He had the last once when we were in Tenerife a few years ago, the local hospital were fab and just round the corner (before Brexit), hooked him up to a drip, he was out and about and feeling absolutely fine within an hour - no idea what the drip was, probably just saline!