Insurance t&c’s

Author
Discussion

BertBert

19,167 posts

213 months

Tuesday 21st May
quotequote all
vaud said:
Policies will vary, but here is an example at random:

"Should I notify you if my medical conditions have changed since taking out my policy with you? Yes - you must inform us if the health of any traveller changes. We would need to know before the start date of your Single Trip policy, or before you next travel on your Annual Multi-Trip policy."

It's easy to see why - the risk profile has changed for the insurer from the point that the policy was taken out.
Thanks

Sheepshanks

33,173 posts

121 months

Tuesday 21st May
quotequote all
vaud said:
It's easy to see why - the risk profile has changed for the insurer from the point that the policy was taken out.
I thought that was the point of taking travel insurance as soon as you book (or annually) - so you’re covered for things changing.

I suppose, thinking about it, they wouldn’t want the potential liability of you heading off to some far flung place if you’d not long had a heart attack or whatever.

TwigtheWonderkid

43,758 posts

152 months

Tuesday 21st May
quotequote all
Sheepshanks said:
vaud said:
It's easy to see why - the risk profile has changed for the insurer from the point that the policy was taken out.
I thought that was the point of taking travel insurance as soon as you book (or annually) - so you’re covered for things changing.
I think it's more to do with things changing that means you can't go and have to claim. Eg. book holiday 6 months in advance, then a few days later get diagnosed with some terrible illness that requires 7 months of treatment.

vaud

50,935 posts

157 months

Tuesday 21st May
quotequote all
Sheepshanks said:
I thought that was the point of taking travel insurance as soon as you book (or annually) - so you’re covered for things changing.

I suppose, thinking about it, they wouldn’t want the potential liability of you heading off to some far flung place if you’d not long had a heart attack or whatever.
Covered for things changing whilst travelling, not a pre-existing condition or illness before you travel.

Sheepshanks

33,173 posts

121 months

Tuesday 21st May
quotequote all
TwigtheWonderkid said:
I think it's more to do with things changing that means you can't go and have to claim. Eg. book holiday 6 months in advance, then a few days later get diagnosed with some terrible illness that requires 7 months of treatment.
Hmm...say it required 5mths treatment, and the quack gave you clearance to travel, you're a bit stuffed at that point if your insurer refuses to cover you for that ailment. Wonder if they'd therefore cover your holiday cancellation costs?

Think I'm slightly older than you, but in the last couple of years travel insurance has become a bit of a minefield for wife and I - many insurers decline to cover if you're under treatment, having tests, on a waiting list, etc etc.

E-bmw

9,364 posts

154 months

Tuesday 21st May
quotequote all
vaud said:
Sheepshanks said:
I thought that was the point of taking travel insurance as soon as you book (or annually) - so you’re covered for things changing.

I suppose, thinking about it, they wouldn’t want the potential liability of you heading off to some far flung place if you’d not long had a heart attack or whatever.
Covered for things changing whilst travelling, not a pre-existing condition or illness before you travel.
Correct, but if things change medically beforehand that have eventualities that may not be covered you can typically cancel & get payments to date refunded.

Currently going through a claim exactly like this with Mrs E who has had an appointment that now needs a "procedure" that is not covered, so we are claiming payments to date & cancelling.

Drawweight

Original Poster:

2,930 posts

118 months

Tuesday 21st May
quotequote all

I was in the funny position of the doctor said I was good to go with the holiday (although tbh she wasn’t exactly enthusiastic, especially knowing it was long haul)

What would have happened at 4am if I’d decided not to go? Would the insurance company have refused any refund as I was ‘fit to fly’