Cruise help if parent is critically ill

katejo

TELLIT01 said:

I find the pre-existing conditions of a close family member exclusion bizarre. Although the OP in this instance is aware of the parent's medical history, not everybody will be.  Many people either don't want to worry other family members or simply don't want to discuss their medical situation.  How is anybody going to declare medical conditions they are unaware of ?

I also find it bizarre  and totally unreasonable. We can't be flies on the wall whenever our family  members go to a doctor. My Dad lost a holiday many years ago when my Mum died suddenly and got no money back.

k12479

katejo said:

TELLIT01 said:

I find the pre-existing conditions of a close family member exclusion bizarre. Although the OP in this instance is aware of the parent's medical history, not everybody will be.  Many people either don't want to worry other family members or simply don't want to discuss their medical situation.  How is anybody going to declare medical conditions they are unaware of ?

I also find it bizarre  and totally unreasonable.

Moral hazard - it would cost insurers more and therefore raise premiums for everyone. If it wasn't excluded, then knowing a relative was ill someone could happily take a chance to book travel knowing insurance would pick up the bill if needed. How is the insurance company going to prove you did know about the illness?

Premiums would further have to rise because the risk being covered, i.e. relatives' pre-existing conditions, has widened.

When people tend to only look for lowest prices, including it will likely make the provider uncompetitive.

Toni.mc94

Hi Just an update RC were really unhelpful and unsympathetic, they said I had until September to change it (even though he wasn’t dying then) and wouldn’t speak any further about it. I gave the insurance a call and was really surprised at how sympathetic and kind they were! Was not expecting it they spoke to softly and told me I’d need a letter/drs note of the day we found out he was dying and written confirmation of all other booking, but as it so happens he passed away this week and the funeral can’t go ahead for nearly three weeks and MIL is forcing us to go so we don’t loose the money. 

Voyager2002

Toni.mc94 said:

Hi Just an update RC were really unhelpful and unsympathetic, they said I had until September to change it (even though he wasn’t dying then) and wouldn’t speak any further about it. I gave the insurance a call and was really surprised at how sympathetic and kind they were! Was not expecting it they spoke to softly and told me I’d need a letter/drs note of the day we found out he was dying and written confirmation of all other booking, but as it so happens he passed away this week and the funeral can’t go ahead for nearly three weeks and MIL is forcing us to go so we don’t loose the money. 

Condolences on your loss, and thank you for updating us. I hope that the holiday will help you both to adjust to life without him.

You might care to post the name of the insurance company: sometimes it is good to hear who gives good service when it matters.