Travel insurance late night illness claim

DullGreyGuy

katejo said:

Hoenir said:

katejo said:

soolin said:

katejo said:

twopenny said:

Wise after the event but I've been in a couple of situations where something has happened before a flight.

When D&V I took tablets (which I always have with me) before the flight and made it both times. Miserable but dealt with the effects of prolonged sleep after I arrived.

Do try customer services but to be fair would you pay someone money without proof?

I think you may find that the T&Cs will explain what they expect in the case of a claim.

With D and V it could surely be an infectious Norovirus so one shouldn't travel. 

Without any diagnosis who knows whether it was contagious or not or can pass judgement whether or not someone can travel or not? In this case I suspect the insurance company are still going to need some sort of proof that this wasn't just a change of mind on the holiday. 

Yes I am fully aware of that. I would be in a dilemma as to whether to travel and be responsible for infection of others. I think the insurance company takes advantage of clients on this. They know we will have difficulty in 'proving' the illness in time. I wouldn't cancel a trip unless genuinely ill. 

Would you delay your return journey home in the same circumstances ? 

Probably not because it would be better just to get home and 'isolate' if needed. Not the same as starting a group trip and spreading infection to others in the group. 

OP never said they were travelling as part of a group and you travelling home solo ill could well be infecting a group that are on their way to start their holiday trip. 

As others have said, if no evidence was required then someone who's fallen out with their travelling group, who've landed an interview for their dream job in the middle of their holiday, seen the weather where they are going is predicted to be terrible etc would just fabricate a 24hr illness to be able to get the insurer to payout.

Ultimately claims all come down to what your GP is willing to state on the questionnaire the insurer sends them. Many will ask something like "Can you confirm the insured was medically unfit to travel" with a yes/no tick box. Some GP's will tick yes because their patent told them they were, others will tick no because they only spoke to the patient a week later and have no evidence of illness. 

katejo

DullGreyGuy said:

katejo said:

Hoenir said:

katejo said:

soolin said:

katejo said:

twopenny said:

Wise after the event but I've been in a couple of situations where something has happened before a flight.

When D&V I took tablets (which I always have with me) before the flight and made it both times. Miserable but dealt with the effects of prolonged sleep after I arrived.

Do try customer services but to be fair would you pay someone money without proof?

I think you may find that the T&Cs will explain what they expect in the case of a claim.

With D and V it could surely be an infectious Norovirus so one shouldn't travel. 

Without any diagnosis who knows whether it was contagious or not or can pass judgement whether or not someone can travel or not? In this case I suspect the insurance company are still going to need some sort of proof that this wasn't just a change of mind on the holiday. 

Yes I am fully aware of that. I would be in a dilemma as to whether to travel and be responsible for infection of others. I think the insurance company takes advantage of clients on this. They know we will have difficulty in 'proving' the illness in time. I wouldn't cancel a trip unless genuinely ill. 

Would you delay your return journey home in the same circumstances ? 

Probably not because it would be better just to get home and 'isolate' if needed. Not the same as starting a group trip and spreading infection to others in the group. 

OP never said they were travelling as part of a group and you travelling home solo ill could well be infecting a group that are on their way to start their holiday trip. 

As others have said, if no evidence was required then someone who's fallen out with their travelling group, who've landed an interview for their dream job in the middle of their holiday, seen the weather where they are going is predicted to be terrible etc would just fabricate a 24hr illness to be able to get the insurer to payout.

Ultimately claims all come down to what your GP is willing to state on the questionnaire the insurer sends them. Many will ask something like "Can you confirm the insured was medically unfit to travel" with a yes/no tick box. Some GP's will tick yes because their patent told them they were, others will tick no because they only spoke to the patient a week later and have no evidence of illness. 

I was only replying to the previous question. I didn't say that the OP was with a group. With my practice it would be impossible to 'prove' the illness in the case of a 24 hour virus or similar. I would never consider a fake claim like that.

maman

I wish it was as simple as the GP confirming whether you were fit to travel. We've just completed an insurance claim form that seems more interested in whether you had any indication you might become ill. We have all the paper work to show that DH was hospitalised 2 days before our trip but that's not sufficient. We have to bother the GP to fill in even more (much of it duplicate) information. I know why they're doing it but it's infuriating. 

Sorry, rant over. 😉

To get back on topic, I can't understand why the OP's daughter didn't call 111 as then she'd have a record. DH called them on the Sunday, saw GP on the Monday (111 made the appointment) and was in hospital by Monday night. It was because of the imminent holiday that he called them, hoping for a diagnosis and treatment so we could fly but it wasn't to be. ☹️

DullGreyGuy

maman said:

I wish it was as simple as the GP confirming whether you were fit to travel. We've just completed an insurance claim form that seems more interested in whether you had any indication you might become ill. We have all the paper work to show that DH was hospitalised 2 days before our trip but that's not sufficient. We have to bother the GP to fill in even more (much of it duplicate) information. I know why they're doing it but it's infuriating. 

Sorry, rant over. 😉

Never said it was the only question asked... they will naturally want to ensure the illness wasnt pre-existing, that you did declare pre-existing conditions as per their definition etc.