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insuring a non travelling person

sheffield england
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insuring a non travelling person

Does anyone know if its possible to insure a non travelling person against cancellation of a relative's holiday due to medical conditions. We have a 97 year old mother who has well controlled high blood pressure and mild chronic airway disease. Our travel policy does not cover us if she were to become ill before we go away or while we are away. This trip is costing a lot of money and we cannot afford to lose it. Although she is a great age, she is very well and could live for years, we cannot put off taking this trip indefinitely. Is such a product available. Obviously no medical cover for possible treatment is needed, just cover for about £4000 worth of travel costs.

Westerville, Ohio
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1. Re: insuring a non travelling person

Most insrance companies provide coverage in the event of a death in the family. I would think the best thing to do is to call and ask. There maybe a stand alone policy but at that age it may cost you as much as the trip. Good luck.

London, England
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2. Re: insuring a non travelling person

My travel policy covers cancellation due to illness of a close relative. I get my annual policy through Age-UK.

It might be worth asking if your policy could "topped-up" to cover potential medical difficulties in relation to your mother.

sheffield england
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3. Re: insuring a non travelling person

Having spoken to the company who provide our travel policy, yes it does also cover us for the illness or death of a family member. HOWEVER, in the small print, excluded is cover for any family member, fellow traveller etc. etc. who has a medical condition that existed 6 months before the trip began. i.e. don't book your trip more than 6 months in advance in case a previously well relative then develops a medical condition soon afterwards. They will cover if the relative becomes ill as a result of something unrelated to the medical condition, i.e. breaks a leg, gets run over by a bus or such, but the reality is that anyone with a diagnosed medical condition, if they become seriously ill, or die, it more often that not will be related to that condition. There is no way to declare that person on an existing policy just for cancellation. Obviously there is no need to cover them for medical care since they are not doing the travelling. I think that perhaps many people are not aware of this exclusion and assume that they would be automatically be covered in the event of illness or death of a family member. How many people must there be in this country who have a parent suffering say from high blood pressure, who then has a heart attack with no prior warning and no known heart disease. This obviously could be related to the high blood pressure and consequently may well not be covered. Do all of you travellers out there check out the medical status of all the close relatives who, if they became seriously ill or die, would prevent you from taking your holiday. If you don't, then you should!!! The exclusion is quite vague but the travel insurance company salesperson was very adamant that this was pointed out and that I understood it.

London, England
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4. Re: insuring a non travelling person

I was asked whether any relative close enough to me for his or her illness to affect my holiday was awaitiing the results of tests or was undergoing treatment. I assume that was Age-Uk's version of the exclusion on your policy.

As a specialist "seniors" policy they may be a bit more tailored.

It might be worth making enquiries of other companies about your specific situation. The answer may still be unsatisfactory, but at least you will then know the alternatives.

Charlotte, NC
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5. Re: insuring a non travelling person

Not sure if this would apply to you, but if you paid for your vacation with a credit card; check if you would be covered (for cancellation due to family member's medical emergency)...There are some exclusions too, but some co's (with a platinum or gold cr. card) also cover this....It's more to do with your flight back ( while on vacation; still no harm checking into this)...

6. Re: insuring a non travelling person

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