Holiday cancellation and pre-existing medical condition

CYPER

Holiday booked for 19th May.
Annual travel insurance policy ends on 5th May.
One of the passengers was recently admitted to hospital for a pre-existing heart condition and cannot travel.

The answer is most likely NO, but just to be certain: is is possible to claim on the insurance for Cancellation?
Also I believe it's impossible to renew policy and claim. Correct?

Thank you.

elsien

As long as the pre-existing condition was declared, I don’t see why you wouldn’t be covered for the cancellation. 

CYPER

elsien said:

As long as the pre-existing condition was declared, I don’t see why you wouldn’t be covered for the cancellation. 

My thinking is because the holiday is after the policy expires. Am I wrong in thinking that?

elsien

With an annual policy you’re covered for cancellation from when the holiday is booked if the insurance is already in place. That’s my understanding anyway.

Hoenir

The claim should be made now. 

CYPER

Hoenir said:

The claim should be made now. 

I just submitted the claim. It asked for documents from hospital, but the person is still in hospital, so I uploaded a word file with the text: These will be provided when patient is discharged from the hospital.

Also cancelled the holiday with Jet2 and got a 70% refund, so based my insurance claim on the 30%

DullGreyGuy

Presumably the passenger is insured under your policy? The impersonal description (rather than father/daughter etc) suggests they may be remote and so not under your annual policy. 

TELLIT01

Some policies do cover 'travelling companions' not just those on your policy.

CYPER

DullGreyGuy said:

Presumably the passenger is insured under your policy? The impersonal description (rather than father/daughter etc) suggests they may be remote and so not under your annual policy. 

No, I am not part of the policy. It's my parents. Annual European travel insurance for a couple with pre-existing condition included in the policy.

DullGreyGuy

TELLIT01 said:

Some policies do cover 'travelling companions' not just those on your policy.

Most will cover travelling companions but cover for their pre-existing conditions is limited at best, not come across any that give you the ability to declare conditions of anyone not to be directly insured by the policy. Its one of the benefits of buying a group policy -v- relying on each person/couple having their own

CYPER said:

DullGreyGuy said:

Presumably the passenger is insured under your policy? The impersonal description (rather than father/daughter etc) suggests they may be remote and so not under your annual policy. 

No, I am not part of the policy. It's my parents. Annual European travel insurance for a couple with pre-existing condition included in the policy.

That doesn't make the whole situation any clearer and not feeling like trying to get blood from a stone. Assuming the condition was declared and accepted those covered by that policy should be fine. Anyone travelling on a different policy is on thinner ice. 

elsien

Just to clear up any points of confusion.
Who was travelling? Who is now not going? And who is named on the policy that is being claimed on. 
Just because it sounds like the policy is your parents, they are the ones not going, but you have put in the claim?