Saga holiday insurance

Albuquerque15

I have booked my first saga holiday with insurance. I rang to inform them I had a potential new condition having been referred to a consultant for a foot injury. They said the insurance would be cancelled if there was no diagnosis yet. Surely that’s what I took insurance out for - unexpected events? Is this right? 

twopenny

I would get cancelled, refunded.
Their insurance only covers for their included activities. If you want to do something on your own because they cancel an activity you aren't covered.
Independent insurance will cover you for what you declare.

Woodstok2000

Albuquerque15 said:

I have booked my first saga holiday with insurance. I rang to inform them I had a potential new condition having been referred to a consultant for a foot injury. They said the insurance would be cancelled if there was no diagnosis yet. Surely that’s what I took insurance out for - unexpected events? Is this right? 

You took insurance to cover your costs, but i assume you're not talking about cancelling here? Saga wont cover you for an undiagnosed condition thats under investigation, but once diagnosed you should be able to add it to the cover (or cancel and get cover elsewhere).

If your diagnosis is likely to happen very close to, or even after, your holiday you may want to look at specialist cover.

Woodstok2000

Woodstok2000 said:

Albuquerque15 said:

I have booked my first saga holiday with insurance. I rang to inform them I had a potential new condition having been referred to a consultant for a foot injury. They said the insurance would be cancelled if there was no diagnosis yet. Surely that’s what I took insurance out for - unexpected events? Is this right? 

You took insurance to cover your costs, but i assume you're not talking about cancelling here? Saga wont cover you for an undiagnosed condition thats under investigation, but once diagnosed you should be able to add it to the cover (or cancel and get cover elsewhere).

If your diagnosis is likely to happen very close to, or even after, your holiday you may want to look at specialist cover.

Just to add, check your terms and conditions too - this is from my policy with LV so I don't need to inform them at all:

"You don’t need to let us know of changes to anyone’s health after you’ve set up your policy. Any new condition(s) diagnosed will be covered, as long as the person is considered medically fit to travel and isn’t travelling against medical advice."

Albuquerque15

Thank you everyone, I appreciate the advice. If I had a diagnosis it would be ok apparently but the problem is the referral to investigate. No I'm not cancelling the holiday it is a minor foot problem but if they cancel at the slightest thing I now don't trust them

TELLIT01

Albuquerque15 said:

I have booked my first saga holiday with insurance. I rang to inform them I had a potential new condition having been referred to a consultant for a foot injury. They said the insurance would be cancelled if there was no diagnosis yet. Surely that’s what I took insurance out for - unexpected events? Is this right? 

If you had been injured and had to cancel you're insurance would have covered that.  Having a new, undiagnosed condition scares the **** out of insurers.  Some simply cancel the insurance when informed, whilst other would exclude anything potentially associated with the undiagnosed condition.

I would try phoning round some of the other potential insurers and see if any will provide cover.  That is likely to depend on the nature of the problem which has been referred.

elsien

Albuquerque15 said:

Thank you everyone, I appreciate the advice. If I had a diagnosis it would be ok apparently but the problem is the referral to investigate. No I'm not cancelling the holiday it is a minor foot problem but if they cancel at the slightest thing I now don't trust them

This is not just saga it’s common across many insurers. They don’t like uncertainty.

If you have a diagnosis they know what the risks are and they can go to their underwriters and put a figure on it. If you don’t have a diagnosis they don’t know how major or minor it might turn out to be.
Stomach  issues for which you’re undergoing tests could be something minor like ongoing irritable bowel or it could be bowel cancer. Without  a diagnosis they have no way of quantifying it.
It is counterintuitive because I would also have inspected the cover to be there but I also found out the hard way from a different insurer. 

TELLIT01

We are hopefully going on holiday in September.  I'm holding off from booking because my wife has a GP appointment coming up.  If the GP can't make a diagnosis and refers he for tests we will probably be unable to travel.  I won't go abroad without travel insurance.

sheramber

Woodstok2000 said:

Woodstok2000 said:

Albuquerque15 said:

I have booked my first saga holiday with insurance. I rang to inform them I had a potential new condition having been referred to a consultant for a foot injury. They said the insurance would be cancelled if there was no diagnosis yet. Surely that’s what I took insurance out for - unexpected events? Is this right? 

You took insurance to cover your costs, but i assume you're not talking about cancelling here? Saga wont cover you for an undiagnosed condition thats under investigation, but once diagnosed you should be able to add it to the cover (or cancel and get cover elsewhere).

If your diagnosis is likely to happen very close to, or even after, your holiday you may want to look at specialist cover.

Just to add, check your terms and conditions too - this is from my policy with LV so I don't need to inform them at all:

"You don’t need to let us know of changes to anyone’s health after you’ve set up your policy. Any new condition(s) diagnosed will be covered, as long as the person is considered medically fit to travel and isn’t travelling against medical advice."

Any new condition(s) diagnosed 

The OP does not have a diagnosis. 

katejo

Woodstok2000 said:

Woodstok2000 said:

Albuquerque15 said:

I have booked my first saga holiday with insurance. I rang to inform them I had a potential new condition having been referred to a consultant for a foot injury. They said the insurance would be cancelled if there was no diagnosis yet. Surely that’s what I took insurance out for - unexpected events? Is this right? 

You took insurance to cover your costs, but i assume you're not talking about cancelling here? Saga wont cover you for an undiagnosed condition thats under investigation, but once diagnosed you should be able to add it to the cover (or cancel and get cover elsewhere).

If your diagnosis is likely to happen very close to, or even after, your holiday you may want to look at specialist cover.

Just to add, check your terms and conditions too - this is from my policy with LV so I don't need to inform them at all:

"You don’t need to let us know of changes to anyone’s health after you’ve set up your policy. Any new condition(s) diagnosed will be covered, as long as the person is considered medically fit to travel and isn’t travelling against medical advice."

LV is different on this issue compared to other insurers. I am about to get a quote from them. My previous insurer suspends all cover for pre existing conditions if someone is waiting for tests/referral for something new/undiagnosed. This applies even if someone is having a routine scan (eg bowel cancer but has no symptoms). 

katejo

sheramber said:

Woodstok2000 said:

Woodstok2000 said:

Albuquerque15 said:

I have booked my first saga holiday with insurance. I rang to inform them I had a potential new condition having been referred to a consultant for a foot injury. They said the insurance would be cancelled if there was no diagnosis yet. Surely that’s what I took insurance out for - unexpected events? Is this right? 

You took insurance to cover your costs, but i assume you're not talking about cancelling here? Saga wont cover you for an undiagnosed condition thats under investigation, but once diagnosed you should be able to add it to the cover (or cancel and get cover elsewhere).

If your diagnosis is likely to happen very close to, or even after, your holiday you may want to look at specialist cover.

Just to add, check your terms and conditions too - this is from my policy with LV so I don't need to inform them at all:

"You don’t need to let us know of changes to anyone’s health after you’ve set up your policy. Any new condition(s) diagnosed will be covered, as long as the person is considered medically fit to travel and isn’t travelling against medical advice."

Any new condition(s) diagnosed 

The OP does not have a diagnosis. 

True but it also implies that pending tests don't have to be declared (unless a GP advises against travel).