Broken Foot so can't travel, insurance claim help....

Jaysaab

My daughter is 18 and was going to Sicily with my sister.

My sister paid for the holiday and is the lead passenger, they each have there own travel insurance with cancellation cover.

My sister has broken her foot and has a doctor's note stating she is not fit to travel.

My daughter has no one she could go with instead so my sister is going to cancel the holiday and will need to claim through the insurance.

Will she be able to recover the full cost or will it only be half as my daughter is still fit to travel???

oldernonethewiser

She will need to check what the policy allows her to claim.

elsien

Your daughter will need to check her own insurance to see what that says.

TELLIT01

Both can probably claim on insurance due to injury for the sister, and a travelling companion being unable to travel for the daughter. The potential issue being that the sister paid for both holidays but only has travel insurance for herself. The daughter potentially has a claim, but no costs to recover.

The sister needs to speak to her insurer!

peb

Not Always.simple. I had a holiday with a friend; she was in a car accident and we didn't think she could travel. I couldn't claim on my insurance as she was a friend - not a spouse, father or mother.

elsien

No but I think many policies specifically reference travel companion rather than being a specific relationship.

sheramber

Daughter needs to check with her insurance whether she is covered for travelling companion unable to travel, which many policies do cover.

MyRealNameToo

https://forums.moneysavingexpert.com/discussion/6671166/broken-foot-so-cant-travel-insurance-claim-help

Your sister can only claim for your daughter if she bought a Group policy including your daughter otherwise each will have to claim off their own insurance.

Your daughter will need to read her own policy on what is and isnt covered, most decent policies will allow cancellation if your travelling companion cannot travel due to illness/injury and I would assume that the broken foot isnt related to a pre-existing medical condition. If it is (eg some brittle bone condition or something impacting balance) then it may be more complex.