Travel Insurance - death or serious illness of relative.

SMP1

Anybody know which insurance companies DO NOT exclude death or serious illness of a relative as a cause for claim. Problem is I'm not a youngster - so both my father and father-in-law are elderly. Both have previously had heart attacks - so I'm guessing I wont get cover for the case where they fall ill or worse. Thanks all

Mark_d

I have a Platinum policy with AllClear.  I understand it would cover for trip cancellation on death of either father/father-in-law but I don't think you're covered in the event of serious illness.

DullGreyGuy

Most include death or serious illness of a close relative for the basis of a claim, can't think of one that doesn't. 

Your challenge will not be having that coverage but the fact that they exclude pre-existing conditions. So it will be fine if one falls and breaks their hip but not if they have a heart attack. One of the most liberal wordings comes from one of the packaged bank accounts where it only excludes pre-existing conditions for non-travelling family where the illness was reasonably forseeable. So if their heart attacks were 20 years ago and they've been fine since their bypass done around the same time then you'd be ok... if they've been tot heir doc every year saying their heart issues are getting worse then still no coverage.

Mark_d

DullGreyGuy said:

Most include death or serious illness of a close relative for the basis of a claim, can't think of one that doesn't. 

Your challenge will not be having that coverage but the fact that they exclude pre-existing conditions. So it will be fine if one falls and breaks their hip but not if they have a heart attack. One of the most liberal wordings comes from one of the packaged bank accounts where it only excludes pre-existing conditions for non-travelling family where the illness was reasonably forseeable. So if their heart attacks were 20 years ago and they've been fine since their bypass done around the same time then you'd be ok... if they've been tot heir doc every year saying their heart issues are getting worse then still no coverage.

My Allclear policy doesn't cover for cancellation due to serious injury of a relative.  Neither does an InsureAndGo policy I just checked.  Have you got any examples where you are covered?

BarelySentientAI

Mark_d said:

DullGreyGuy said:

Most include death or serious illness of a close relative for the basis of a claim, can't think of one that doesn't. 

Your challenge will not be having that coverage but the fact that they exclude pre-existing conditions. So it will be fine if one falls and breaks their hip but not if they have a heart attack. One of the most liberal wordings comes from one of the packaged bank accounts where it only excludes pre-existing conditions for non-travelling family where the illness was reasonably forseeable. So if their heart attacks were 20 years ago and they've been fine since their bypass done around the same time then you'd be ok... if they've been tot heir doc every year saying their heart issues are getting worse then still no coverage.

My Allclear policy doesn't cover for cancellation due to serious injury of a relative.  Neither does an InsureAndGo policy I just checked.  Have you got any examples where you are covered?

Seems like mine does.  Redundancy too, which I'd completely forgotten was included.

DullGreyGuy

Mark_d said:

DullGreyGuy said:

Most include death or serious illness of a close relative for the basis of a claim, can't think of one that doesn't. 

Your challenge will not be having that coverage but the fact that they exclude pre-existing conditions. So it will be fine if one falls and breaks their hip but not if they have a heart attack. One of the most liberal wordings comes from one of the packaged bank accounts where it only excludes pre-existing conditions for non-travelling family where the illness was reasonably forseeable. So if their heart attacks were 20 years ago and they've been fine since their bypass done around the same time then you'd be ok... if they've been tot heir doc every year saying their heart issues are getting worse then still no coverage.

My Allclear policy doesn't cover for cancellation due to serious injury of a relative.  Neither does an InsureAndGo policy I just checked.  Have you got any examples where you are covered?

Insure and go
 https://res.cloudinary.com/dttwa61aq/image/upload/v1702462901/igo/policy-wording/2024/InsureandGo_Silver_and_Gold_Policy_Wording_1223.pdf

Cancellation page 28 is covered for....

1) The death or disablement by bodily injury or illness of a) You, b) Any person you are intending to travel or stay with, c) An immediate relative of yours or of any person you are intending to travel with or d) A close business associate of yours;

AllClear https://res.cloudinary.com/dttwa61aq/image/upload/v1702044819/Allclear_2023/product_docs/AllClear/Policy%20wordings/ALLCLEAR_GOLD_GOLD_PLUS_PLATINUM_12_23.pdf 

Cancellations page 20 is covered for...

1) the death or disablement by bodily injury, illness or being subject to quarantine (on the orders of the treating medical practitioner) of a) you, b) any person you are intending to travel or stay with, c) an immediate relative of yours or of any person you are intending to travel with or d) a close business associate of yours;

So yes, there's two examples from the resellers you mentioned