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Travel insurance
We booked a cruise with friends last year departing early May this year. At the time they had annual travel insurance. It’s due for renewal on 21 February 2024. However, when ringing to renew they declared that my friend was awaiting diagnoses for hip pain and has a hospital appointment in April. The insurance company have now refused to renew the insurance until diagnoses. The cruise has been paid for in full. They are now to be left with no cover. Can anyone advise please?
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Try a new company?I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe and Old Style Money Saving boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
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Insurers do not like the unknown.
Can you get a private diagnosis at BUPA. I had a suspect hip - rang BUPA, appointment in a few days took a X ray before I saw the consultant. £225 well spent. A bit of physio followed.Never pay on an estimated bill. Always read and understand your bill1 -
It's ultimately the risk of an annual policy, the commitment from both sides is only for those 12 months and both sides are free to walk away at renewal.
They can shop around to see if someone else will take them but are likely to be excluded cover for the hip and anything connected.1 -
One of the companies that specialise in pre-existing medical conditions may offer insurance. Alternatively, get cover that excludes that condition and accept the risk.I'm a Forum Ambassador on the housing, mortgages, student & coronavirus Boards, money saving boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Forum Ambassadors are not moderators and don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com (it's not part of my role to deal with this). Any views are mine and not the official line of MoneySavingExpert.com.0
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Depending on any diagnosis in April, they may be abke ti get insurance after that.amadma said:We booked a cruise with friends last year departing early May this year. At the time they had annual travel insurance. It’s due for renewal on 21 February 2024. However, when ringing to renew they declared that my friend was awaiting diagnoses for hip pain and has a hospital appointment in April. The insurance company have now refused to renew the insurance until diagnoses. The cruise has been paid for in full. They are now to be left with no cover. Can anyone advise please?
Insurance can't assess the risk if they do know what the condition is.
It is a risk when booking a holiday for a period after your travel insurance finishes
Once they have a diagnosis things could change.0
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