Author Topic: Travel Insurance  (Read 9159 times)

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Offline Highlander

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Travel Insurance
« on: June 05, 2018, 19:09:14 PM »
About a month ago I organised our travel insurance complete with two declared medical conditions for the present Mrs H and one declared medical condition for myself.

At that time I had a swelling on the middle finger of my left hand which I did not declare because I felt sure it would clear up before we left.

It hasn’t fully cleared up.

So I did as instructed on the policy, notified the insurance company and asked them to amend the policy accordingly. In my naivety I had expected the new disclosure to be merely noted or at worst would incur an additional premium.

Neither was the case. Not only was the new disclosure not covered but the original one was now considered null and void and I would not be covered for any Declared Medical Conditions.

Needless to say I am not a happy budgie.

 >:( >:( >:( >:( >:( >:(

Offline Scunner

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Re: Travel Insurance
« Reply #1 on: June 05, 2018, 22:04:52 PM »

At that time I had a swelling on the middle finger of my left hand

I hope you waved it at them

Offline KKOB

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Re: Travel Insurance
« Reply #2 on: June 05, 2018, 22:07:01 PM »
They didn't waive back though.  ;)

Offline sadler

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Re: Travel Insurance
« Reply #3 on: June 05, 2018, 22:16:28 PM »
Brilliant KKOB   ;)

Offline Highlander

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Re: Travel Insurance
« Reply #4 on: June 05, 2018, 22:19:36 PM »
I will be writing to them - I think it's outrageous !

Offline KKOB

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Re: Travel Insurance
« Reply #5 on: June 05, 2018, 22:21:52 PM »
Using 1 finger ?

Offline Scunner

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Re: Travel Insurance
« Reply #6 on: June 05, 2018, 22:27:06 PM »
Did they cancel because you didn't declare it at the time of taking out the insurance?

Offline Highlander

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Re: Travel Insurance
« Reply #7 on: June 05, 2018, 22:50:14 PM »
Yes - I think that maybe it - but I might just as well have had some other ailment that would have cleared up in a month.

Even so, why cancel the one declared condition  >:(. Wasn't even offered the option of not covering the swollen finger.

What is the point of asking people to notify additional Medical Conditions. >:( >:( >:(


Offline Scunner

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Re: Travel Insurance
« Reply #8 on: June 05, 2018, 23:47:38 PM »

What is the point of asking people to notify additional Medical Conditions.


In their defense (playing the devil's avocado here) - you didn't notify them of a new ailment, you notified them of an ailment that existed at the time of application for insurance that hadn't gone away. Effectively a false declaration at the time of obtaining cover.

I hope I haven't made you any more angry H :D

Offline Highlander

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Re: Travel Insurance
« Reply #9 on: June 06, 2018, 12:27:29 PM »


Quote
I hope I haven't made you any more angry H

Heaven forfend   :)

I believed that the problem would be resolved before we flew and therefore didn’t want to pay to have insurance for something that didn’t exist. It’s not as though the undeclared condition was life threatening.

If the problem had arisen after I had taken out the insurance presumably the company would have covered me if I notified them. So, what is the difference.

On the good news front the company have advised that I will be refunded for the withdrawal of cover. I can hardly await for their cheque for £ 4.40.

I would be interested to know when members organise their travel insurance – days, weeks or more before departure.




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