Travel Insurance Refund or not?

Danny30

Marvel1 said:

Danny30 said:

Would my daughter fainting and being refused to fly be considered an illness in insurance terms. 

Unsure, but be prepared to print all terms and coniditons in regards to cancelltions of refunds for the flight and hotel.

Probably a few questions on why did she faint - leading up to it.

Must have been anxiety related I would guess. 

BarelySentientAI

Danny30 said:

My daughter doesn't have any pre existing medical conditions but I just realised that on the initial questions on the insurer screening, it said any in or outpatient appointments in the last 2 years with hospital or GP.

Does that mean any appointment or investigation over the last two years, even if negative? If so then we have not included those as thought it was only pre existing medical conditions. Are they able to void the whole policy, even if completely unrelated? 

Did it say "any in or outpatient appointments" or "and in or outpatient appointments that were for treating an existing condition"?

You have to answer the question that was actually asked.

If any of those visits were to do with symptoms that could have been related to this latest episode, yes they can refuse the claim.  And as you will find out from other threads on here, you don't get to decide what is related.

Danny30

BarelySentientAI said:

Danny30 said:

My daughter doesn't have any pre existing medical conditions but I just realised that on the initial questions on the insurer screening, it said any in or outpatient appointments in the last 2 years with hospital or GP.

Does that mean any appointment or investigation over the last two years, even if negative? If so then we have not included those as thought it was only pre existing medical conditions. Are they able to void the whole policy, even if completely unrelated? 

Did it say "any in or outpatient appointments" or "and in or outpatient appointments that were for treating an existing condition"?

You have to answer the question that was actually asked.

If any of those visits were to do with symptoms that could have been related to this latest episode, yes they can refuse the claim.  And as you will find out from other threads on here, you don't get to decide what is related.

It said just "any in or outpatient with Hospital, GP or private clinic" 

DullGreyGuy

Danny30 said:

My daughter doesn't have any pre existing medical conditions but I just realised that on the initial questions on the insurer screening, it said any in or outpatient appointments in the last 2 years with hospital or GP.

Does that mean any appointment or investigation over the last two years, even if negative? If so then we have not included those as thought it was only pre existing medical conditions. Are they able to void the whole policy, even if completely unrelated? 

Presumably there were symptoms? What did the doctors put the symptoms down to if not whatever it was they were being tested for?

Ultimately it would depend if they consider it careless or wreckless/intentional... for the later they can void a policy. For the former it comes down to if they'd have insured you had you declared it. If they would have then they cannot void the policy but they can reduce any settlement by the percentage difference in premium the declaration would have made. 

Danny30 said:

Marvel1 said:

Danny30 said:

Would my daughter fainting and being refused to fly be considered an illness in insurance terms. 

Unsure, but be prepared to print all terms and coniditons in regards to cancelltions of refunds for the flight and hotel.

Probably a few questions on why did she faint - leading up to it.

Must have been anxiety related I would guess. 

Insurers only allow cancellations for various reasons and depending on the reason will require evidence that it was a real reason. It sounds like you are talking about a medical cancellation and that almost certainly will require the evidence from a doctor 

Danny30

Hi all, apologise for long response below but really would appreciate some advice.

Unfortunately after looking back over the travel insurance application my wife filled, she listed previous conditions as 'no' on us and the children despite it mentioning to list out any in and out patient appointments over the last two years which she somehow missed. We don't have an conditions but I suspect the lack of mentioning any medical appointments will invalidate the insurance.

My next and only option is then with Jet2 who have already refused a refund. We are not happy with the way that Jet2 handled the whole situation. Below is a list of all the issues encountered with them. 

1. Daughter fainted and had to abort take off but I mentioned it was due to nerves so not 100% sure they needed to take her of the plane (though I can see why they would).

2. The cabin crew said not to worry as we would be put on a later flight. Paramedics also attended and said it was just a faint and no need for a doctors letter or 72 hour wait until flying again. They even said to tell Jet2 to contact them if required to confirm this and not to let them say to wait 72 hours.

3. After leaving plane and eventually heading back to Jet2 customer service desk, the lady confirms that despite what the paramedics mentioned she was going on the advice of the hostess instead (because they saw the actual faint) of the paramedics about the fainting and we would need to wait 72 hours before being able to fly which on a 5 night trip meant no holiday.

4. The lady at the desk said not to worry as our holiday would be rebooked in and that she had spoken to Jet2 24/7 who were aware of the situation and would rebook the trip for us. She said that there would be plenty of options as well as we approaching the end of the season and she told us that we can even call them in the car on the way home.

5. On the way home, my wife calls them and no one knew the situation as the lady at the desk earlier had claimed but they managed to find a note on the system. They then proceeded to only offer that we pay for flights in 72 hours and then we could use the last 2 days of accommodation. Not a viable option at all.

My question is was it

1. Justified to ask my daughter to leave due to fainting, there were some spasm movements when she fainted but I already have dealt with this issue with my son and know it's just the way some people faint and is in no way a seizure which I did mention to them. 

2. Make us wait 72 hours before flying again which they blamed Stansted Airport authority rules for. 

3. To assure us we would be okay and put on a later flight or rebooked and then to call up and be offered nothing. 

As far as I know and have read up, fainting is apparently the most common occurrence of any medial condition and to me should not be a reason to leave a flight and not be allowed to fly for 3 days. The jerking movements were very light and as I mentioned to the hostess on the plane, I had been to see a specialist for the exact same thing for my son and she said it was nothing of concern and I did mention this is how some people faint which I did mention to the hostess and jet2 customer service so they didn't think it was a seizure of any kind. 

Sorry for the long response but any advice would be welcome as we are looking at losing the holiday and the money due to a faint which is not uncommon due to the the lower pressure on planes. 

XRS200

Might be best asking this on the travel part of the forum

Danny30

XRS200 said:

Might be best asking this on the travel part of the forum

Noted. Will do. 

elsien

I don’t think it’s unreasonable of them to have denied boarding considering that if your daughter became more unwell on the flight they may potentially have needed to divert. 
In those circumstances, they would play it safe. 

In hindsight, (which I appreciate is a wonderful thing) the chances of Jet2 being willing or able to track down a random paramedic for more information is fairly remote so it may have been better to get further medical advice which might then  have  allowed you to fly within the 24 hours. 

As it is, you might need to track down Jet2’s policy if there is one available to the public, and potentially also complain about the misleading information that you were given by their customer service desk. 

BarelySentientAI

Danny30 said:

As far as I know and have read up, fainting is apparently the most common occurrence of any medial condition and to me should not be a reason to leave a flight and not be allowed to fly for 3 days. The jerking movements were very light and as I mentioned to the hostess on the plane, I had been to see a specialist for the exact same thing for my son and she said it was nothing of concern and I did mention this is how some people faint which I did mention to the hostess and jet2 customer service so they didn't think it was a seizure of any kind. 

All of which has no relevance at all unless you are a medical professional qualified to give an opinion, and even then it has limited relevance because you are an interested party in the claim.

sheramber

Danny30 said:

My daughter doesn't have any pre existing medical conditions but I just realised that on the initial questions on the insurer screening, it said any in or outpatient appointments in the last 2 years with hospital or GP.

Does that mean any appointment or investigation over the last two years, even if negative? If so then we have not included those as thought it was only pre existing medical conditions. Are they able to void the whole policy, even if completely unrelated? 

You need to answer  truthfully to what is asked.

any in or outpatient appointments in the last 2 years with hospital or GP

It does not say unless they are negative.  

All and any visits should be declared.