Travel Insurance Advice

saint101

exactly this, I expect to pay abit more however not 300%.

Part of me feels greatful that we are at least covered for the hospital bill which was substansial however some of the expenditure eg daily allowance/ additional flights & hotel for all of us were influenced by AXA and made our decision easier which is why we all stayed as advised everything was covered. If they had said black and white this isnt covered I probably would have made different decisions eg come home earlier with my eldest and picked a cheaper hotel etc not the "like for like" we were advised to.

sheramber

https://forums.moneysavingexpert.com/discussion/comment/81905715#Comment_81905715

No idea who is right or who is wrong but that’s sounds like a final reply from the underwriters, therefore you could take your case to the Financial Ombudsman.

elsien

Rather than asking them to revisit the recorded calls, you might be better off getting a transcript under a subject access request or whatever they’re called now.
Prior to taking this to the ombudsman.

MyRealNameToo

You still havent said how you managed to get a quote online? Almost all will immediately decline to quote if you say you have an undiagnosed condition.

Grumpy_chap

FWIW, the OP is lucky that the insurer covered anything.

The OP knowingly (or forgetfully) took a gamble on taking out a policy omitting the child's preventative interim treatment and ongoing investigations into an unknown condition.

The child got ill, for a matter that seems to be in the same body system as the undeclared state.

The insurer could very well have simply said "sorry - not covered - goodbye".

When the contact centre with which the OP was speaking indicated that the extended stay costs would be covered, did the individuals making those comments have the information from the OP that they had travelled with the undeclared interim treatment and ongoing investigations?

I do find it quite hard that a parent of a 4yo with an undiagnosed condition and ongoing consultant / paediatrician appointments would forget when taking out travel insurance. To make a decision to not declare on the basis "it's only a couple of weeks, what can really go wrong?" might happen but to forget that a child is potentially seriously ill seems odd.