Pricewatch Extra: Reader who cancelled a holiday due to a family tragedy finds her insurance company pointing to a common get-out clause
The speed at which the travel insurance safety net disappears is shockingHow working abroad can make it easier to secure a mortgage back in Ireland
Mary and her husband travelled abroad in February and April of this year and did so secure in the knowledge that they had the protection of their travel insurance policy if anything went wrong. The good news was nothing untoward happened. While Mary has no complaints about the speed with which the insurance company made contact with her after she lodged her initial claim and found its representatives “professional”, she has serious concerns about how the claim is being handled.
Mary points out that her brother’s GP cannot possibly sign this declaration as the patient – Mary’s brother – is dead. The concerning clause says cover will not be offered if a claim is made connected to “any medical condition for which a close relative or travelling companion are receiving or on a waiting list for or have the knowledge of the need for surgery, treatment or investigation at a hospital, clinic or nursing home”.
Mary says that she fully understands “that as yet our claim hasn’t been rejected and I haven’t addressed my concerns through the company complaints procedures but I am writing to you seeking your advice and or intervention because as a fellow human being, with your knowledge and experience, you understand that when people are traumatised by bereavement and loss, it is particularly hard to navigate bureaucracy and regulation that ordinary people don’t fully understand.
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