Travel Insurance

[Brad93]

Well due to missus illness, which is ongoing, we are going to have to cancel our trip to New York on Saturday.

We’ve managed to book in to see a consultant on Monday via private medical. We was getting no where with the GP.

Anyhow, this leaves us in a bit of a precarious situation.
Mrs first had what we thought was a cold at Christmas.
We booked holiday on the 27th.
Can’t remember what day we did the insurance.

Anyway when she went to the doctors on 14th she said I’ve been sick for 3 weeks.

Are our travel insurance likely to pay out. Will they claim it’s a pre existing condition?

Who would of thought a cold at Christmas time would turn into four trips to GP & an Ambulance. Five weeks later.

It’s through coverwise/axa which we now found out doesn’t have the best reviews!

We can rebook through BA for April (hope she is better by then) but will need to pay the difference for going at a busier time of year, which is looking at double the original holiday cost, meaning I’d have to fork out an extra £1700. Same hotel etc.

 

[Barking Mat]

Did you get the flights on a bank / creditcard, I don't want to know who you bank with but sometimes your covered by the card. Check with your bank.

Have you got a second opinion / changed doctors?

Hope your missus recovers quickly.

 

[Gritineye]

If you had insurance in place before you booked and declared the ongoing illness when you took out the insurance they should cover that.

 

[Divingdad]

Pre existing has to be a diagnosed issue, your wife’s self diagnosis of, ‘a cold’ means nothing, get a diagnosis ASAP as to what the issue is NOW and depending on that outcome you can advise the insurers of the illness and that it is new.

 

[Nick DV]

A cold will not be considered to be a pre existing condition by the insurers. Just because your wife told the doctor that she'd been ill for three weeks which pre dates your insurance by a week, the insurers would be hard pressed to say that she had a pre existing condition being that it was a week old cold. Hope that makes sense! Don't be fobbed off by them, and if they don't play ball, go to the ombudsman Good luck with it and hope the wife gets better soon.

 

[Stueeee]

You may need a letter from your GP to progress the claim. 2 years ago I had a medical issue which prevented us from travelling on a long haul holiday that was booked to happen a few weeks after my diagnosis so no chance of a refund/credit note from the holiday company.

The insurance company demanded a letter from our GP (even though I was seeing a specialist at the time) stating that in their opinion I wasn't OK to travel. The cost of the holiday/claim was £6K which the insurers paid up without any quibble. I have renewed my annual travel policy with the same company since then.

Wishing you good luck with your insurers.

 

[skotl]

Pre existing has to be a diagnosed issue, your wife’s self diagnosis of, ‘a cold’ means nothing, get a diagnosis ASAP as to what the issue is NOW and depending on that outcome you can advise the insurers of the illness and that it is new.

That's it, in my (non-professional!) opinion. It's not up to you or your wife to diagnose a condition.

I'm sure you'll be fine. Best of luck and hope the mrs starts to feel better soon

 

[mechman]

According to some beliefs your lot is 3 score and ten, well I've past that hurdle but now my holiday insurance jumped from £80 odd to £400 found a company that would do it for £200 and odd but only once a year and I can't hire a van (not that I want to) cos I've crossed the threshold, no health problems either.