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Insurance

Manchester
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24 posts
19 reviews
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Insurance

Can anyone help, My mother has recently been diagnosed with cancer. My annual insurance is due to expire and I cannot find an insurance company willing to cover me for cancellation in the event that her health deteriorates and I have to cancel a holiday which was booked a long time ago, for August this year.

Essex
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27,618 posts
69 reviews
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1. Re: Insurance

Hello DippyTrippers

I'm sorry to hear about your Mum, I know what that is like.

Are you looking for insurance for her to travel?? Or for yourselves?

If it is for Her, although you do not state her age group, try Age Concern or Saga who do have insurance policies for the more 'senior' members of society that others won't cover. Even if your Mum is 'too young' they may be able to help you out with knowledge of insurance for 'poorly' people, perhaps.

If it is for yourself, then surely all you need to do is continue your current insurance policy for another year. Assuming this is the policy that was in place when you booked said holiday, then I would expect they will still honour all the conditions that you originally took the policy for.

I'm not an Insurance Advisor though, but that just seems common sense to me,

Hope that helps, and best wishes to you and your Mum

EW

glasgow scotland
Destination Expert
for Glasgow
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10,195 posts
12 reviews
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2. Re: Insurance

I recall something similar happening to a colleague of my wife whereby a relative died and the insurance refused to pay for the cancelation as they had not been made aware there was a pre-condition, i.e. the person knew their Brother had Cancer prior to booking, it just so happenned he succumbed to it days before they were to depart.

Can you prove through medical records that your mother contracted the Cancer after you booked the holiday.

I would also advise you contact the Citizens Advise or Trading Standards, if all else fails contact the Insurance Ombudsman.

Best wishes for what will be a trying time.

glasgow scotland
Destination Expert
for Glasgow
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10,195 posts
12 reviews
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3. Re: Insurance

Having re-read your post again i think I know what you are asking.

Your insurance which is due for renewal and will cover this Holiday will be null and void should you have to cancel.

Then in that case take out your renewal but declare your mothers condition, it means you will have to fill a few more questions and you may find the premium will be slightly higher but god forbid should the worst occur then you will be covered as you have declared it.

Manchester
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24 posts
19 reviews
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4. Re: Insurance

Thanks for your suggestion> I amdue to renew on 10th March and have spoken to insurance company. They treat renewal as a new period of cover and because I know now of the cancer diagnosis at the time of renewal they will not cover me for cancellation. I have also spoken to specialist medical insurers with same result.

Manchester
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24 posts
19 reviews
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5. Re: Insurance

Thanks for your advice. Because this is an annual policy and due to expire in March and I now know of the cancer, it becomes a pre-existing condition for the renewal. So the insurers treat a renewal as a completely separate issue and will not cover me for cancellation due to this, even if at a higher premium. I also tried specialist medical insurers but all are the same.

Whilst doing this I did find out one thing, that some companies will not cover you for cancellation if the reason is the ill health or death of someone over a certain age!

Manchester
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24 posts
19 reviews
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6. Re: Insurance

Hi thanks for your advice. Not mum travelling. Unfortunately the annual insurance expires early March, so the insurers treat the renewal as a new policy and now we know of the cancer this becomes a pre-existing condition for the renewal and they will not cover us for cancellation should if we were not able to travel due to her condition.

If you have any more thoughts on this please let us know

Essex
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27,618 posts
69 reviews
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7. Re: Insurance

Go and talk to a decent Insurance Broker.

Guildford, England
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5,478 posts
16 reviews
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8. Re: Insurance

Have a look at Cancer Research UK's web-site.

cancerhelp.org.uk/coping-with-cancer/…list

It includes a list of companies that cover people with cancer so if you spoke to one of them you might be able to get cover.

glasgow scotland
Destination Expert
for Glasgow
Level Contributor
10,195 posts
12 reviews
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9. Re: Insurance

As always somewhere buried deep in the small print that nobody ever reads will be a get out clause for the insurance companies.

I hope you can get this sorted out as you will be feeling stressed out as it is.

Take care.

england
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5,438 posts
8 reviews
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10. Re: Insurance

I would say it depends what you have spent on the holiday, you could just not insure at all, and take the risk yourself. If you cant go , you lose, if its all ok(which I hope it is) you win. I never never take out insurance unless it is a legal necessity, no travel insurance, no pet insurance, no extended warranties.

Over the years I am thousands in pocket.