Insurance cover for 7 days

stoneman

I’ve always been curious about this. My MIL is going on a cruise in June with my wife, she’s 82 (MIL not my wife) we have annual cover for the 2 of us but my MIL will only be going on this one holiday. If she gets cover now for the 7 night duration in June and she becomes unable to go, say in March, is she covered for not being able to go in June?

sheramber

yes. With a single trip policy she  is covered for cancellation from the day she  takes  it out., as long as she has declared all pre existing medical conditions as per the application form. 

DullGreyGuy

stoneman said:

I’ve always been curious about this. My MIL is going on a cruise in June with my wife, she’s 82 (MIL not my wife) we have annual cover for the 2 of us but my MIL will only be going on this one holiday. If she gets cover now for the 7 night duration in June and she becomes unable to go, say in March, is she covered for not being able to go in June?

You MIL will be covered, assuming all medical conditions have been declared and accepted by her insurer. 

Your wife, if she doesn't want to go without her mother, maybe a different story... if the reason the MIL cannot travel is a new condition then your wife too would be covered by her own travel insurance if she didn't want to continue alone. If however the MIL's reason for not going was a pre-existing condition getting worse then your wife would not be covered in the vast majority of policies because there is no mechanism for declaring the pre-existing conditions of those not directly covered by your policy.