Travel insurance query

richje100

Hi,
Got a policy with holiday extras bought about 10mths ago and we are due to fly in a couple of weeks.
This week my wife had a mole removed and test results in 4 to 8 weeks. so we rang the travel insurance company to get advice and after speaking to the Underwriter they've said if we need to cancel before we fly we are covered for the cost of the holiday.
Once we arrive at the destination we'll have no cover for issues arising from the mole removal including let's say an infection. Evan curtailment is not covered either.

Is this right? We've not been offered to pay an additional premium they've just flat out excluding anything from the mole removal.

Thanks

Mr.Generous

We have an annual travel policy, I contacted them about a recent medical problem and this was the reply ...

Good morning Mr Generous,

As the (redacted) diagnosis was made after the policy was purchased, it has been noted down on the policy and you will automatically be covered should anything happen while you are away. 

If you have any other queries, then please do not hesitate to contact us. 

 

Kind regards,

I was pleased with the reply, but thinking about it surely that's the way it should be!!

silvercar

richje100 said:

Hi,
Got a policy with holiday extras bought about 10mths ago and we are due to fly in a couple of weeks.
This week my wife had a mole removed and test results in 4 to 8 weeks. so we rang the travel insurance company to get advice and after speaking to the Underwriter they've said if we need to cancel before we fly we are covered for the cost of the holiday.
Once we arrive at the destination we'll have no cover for issues arising from the mole removal including let's say an infection. Evan curtailment is not covered either.

Is this right? We've not been offered to pay an additional premium they've just flat out excluding anything from the mole removal.

Thanks

Insurers are always nervous of outstanding test results. If they pay out for cancellation, the limit to them is the cost of the holiday. if they cover while you are away, there is no limit. So they veer towards not offering the cover when you are away.

richje100

silvercar said:

richje100 said:

Hi,
Got a policy with holiday extras bought about 10mths ago and we are due to fly in a couple of weeks.
This week my wife had a mole removed and test results in 4 to 8 weeks. so we rang the travel insurance company to get advice and after speaking to the Underwriter they've said if we need to cancel before we fly we are covered for the cost of the holiday.
Once we arrive at the destination we'll have no cover for issues arising from the mole removal including let's say an infection. Evan curtailment is not covered either.

Is this right? We've not been offered to pay an additional premium they've just flat out excluding anything from the mole removal.

Thanks

Insurers are always nervous of outstanding test results. If they pay out for cancellation, the limit to them is the cost of the holiday. if they cover while you are away, there is no limit. So they veer towards not offering the cover when you are away.

Thank you for the reply.
I understand about the test results because basically it's an known factor... but to completely exclude anything arising from having mole removed I'm finding hard to understand. Their words if the wound gets Infected there's no cover.

I spoken again this morning to them because the stitches are out and the wound has closed, basically no different to me having a cut on my arm and gets infected whilst away.
She's referring it back to the Underwriter.

It's not as if we bought the policy knowing she was having this done, it was purchased the policy about 11mths ago just after we booked the holiday 

sheramber

But the wound is not due to just getting a cut,

It is the reasin for the woulnd that applicable.

An  infection in the wound could be due to an underlying condition when is not known until the test results are available.

Do you expect there to be an infection in the wound?

if you consider the wound is closed and will not cuase any further problem then the exclusion will not matter anyway.