Nationwide Flex Travel Insurance

Mizzprint

You go on holiday with family.  They and not dependants and therefore have their own insurance policy.  They have a serious accident.  Your holiday ends before it began.  You travel home on your own on the day you are supposed to return home, leave your loved one in the hospital and your husband has to stay to look after your loved one.  You contact Nationwide on your return and explain what has happened.  They won’t cover for the loss of your holiday.  You didn’t have the accident, neither did my husband and therefore we didn’t lose our holiday, we should have left our family member in a critical condition and got on with our holiday! Oh, and we aren’t insured on the family members insurance because we didn’t have the accident either!  So beware, no understanding, empathy or interest in this type of situation.  What a loophole.    Oh, but if you fly back early because of a family emergency in the UK, you might be covered!  So, you can’t have a family emergency whilst on holiday!  Be beware!

DullGreyGuy

Mizzprint said:

You go on holiday with family.  They and not dependants and therefore have their own insurance policy.  They have a serious accident.  Your holiday ends before it began.  You travel home on your own on the day you are supposed to return home, leave your loved one in the hospital and your husband has to stay to look after your loved one.  You contact Nationwide on your return and explain what has happened.  They won’t cover for the loss of your holiday.  You didn’t have the accident, neither did my husband and therefore we didn’t lose our holiday, we should have left our family member in a critical condition and got on with our holiday! Oh, and we aren’t insured on the family members insurance because we didn’t have the accident either!  So beware, no understanding, empathy or interest in this type of situation.  What a loophole.    Oh, but if you fly back early because of a family emergency in the UK, you might be covered!  So, you can’t have a family emergency whilst on holiday!  Be beware!

What sort of holiday was it? I'm guessing not an AI sitting by the pool/on the beach 24/7?

Your insurance doesn't cover loss of enjoyment. You dont give full details but it sounds like you decided to continue the holiday but are saying you didnt enjoy it as much because of what happened to your family member. Insurance typically would have covered curtailment in the event of a serious injury to a travelling companion. 

Most policies do cover someone staying with or flying out to an injured/ill person with the approval from the insurer so your husband staying is potentially covered under the Emergency Medical section of your family members insurance. 

Bue21

unfortunately that is always the case if you take out separate insurance policies. We have Nationwide flex travel insurance but when we travel with our adult son/s we take out a separate policy to cover us all. One son has several health conditions so it is quite a bit more expensive this way but gives us peace of mind. I was advised of this issue many years ago when trying to arrange cover for him as a small child (it was then very expensive and I was trying to reduce costs) - essentially I was told not to consider insuring him separately (even if only one of us was on the same policy as him) as it would mean splitting the family in the event of any issues arising.

NoodleDoodleMan

Can I ask what is your relationship with the casualty ?

That might be pertinent ?

eskbanker

Mizzprint said:

So beware, no understanding, empathy or interest in this type of situation.  What a loophole.

When you're trying to obtain money from a regulated financial institution, it's only natural that they'll be constrained by what's specified in the policy terms that you signed up to, so they'll pay out where the circumstances are covered and won't if they're not - feelings and emotions don't really come into it (most travel insurance payouts will be for unpleasant or stressful experiences).

sheramber

How did your holiday end early when you say you returned on the day you should have.

If you stayed on but we’re not able to do things you expected to do , insurance doesn’t cover that. 

Do you  expect your relative’s insurance to pay him for not being able to have the holiday he expected to have because he was in hospital?

NoodleDoodleMan

I may be wrong of course, however I think the precise relationship between the family members is central to this matter.

That aside, the Nationwide policy provider ((Aviva ?) should have been contacted before returning to the UK to confirm if there was cover in place to allow one member to remain with the casualty.

DullGreyGuy

NoodleDoodleMan said:

I may be wrong of course, however I think the precise relationship between the family members is central to this matter.

That aside, the Nationwide policy provider ((Aviva ?) should have been contacted before returning to the UK to confirm if there was cover in place to allow one member to remain with the casualty.

Assuming understanding the scenario correctly... no, it's simply "travelling companion". Travel insurance doesn't tend to differentiate between a spouse, sibling, friend or blind date if you've gone there together, they've been injured and what happens to the rest of your holiday. 

It wouldn't be the Nationwide cover that is to be checked, it would be the insurance of the injured party that would cover someone staying with them (unless they too are covered by a Nationwide account)

NoodleDoodleMan

Yes, it's the casualty's insurance policy that would provide for somebody to remain with him/her.

Assuming that the Nationwide policy might be responsible was an error of judgement.

The dynamics of the composition of the group is still pertinent I would think - were there two sets of family members on separate bookings ?

Also, what is the relationship of the "loved one" to the OP and husband ?