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Original poster

Travel insurance query

78 replies

Travelinsuranceclaim · 31/08/2025 15:48

Hello everyone.

I paid for an annual travel insurance policy to start on 31 August, as was due to go on holiday the next day with family.

On 28th August, my Dad has a heart attack and was deemed not fit to fly (he was coming on holiday with us).

The travel insurance claim has been denied as only started from 31 August, but if I'd had single trip insurance, would have I been covered?

So annoyed at myself and gutted so please be gentle on me!

I've never had an annual policy before and it seemed like a good idea but obviously it's not as just cost me £1,000! 😭

OP posts:
CarlaH · 31/08/2025 15:55

If you buy an annual travel insurance policy I think it would have to start immediately to cover any incidents before the holiday starts. If you decided to only start it from the date of the holiday that probably wasn't the best idea.

Obviously once you are away you need coverage for illnesses, accidents, lost luggage or whatever but part of travel insurance is cover if you need to cancel so you really need it to start as soon as you have booked your holiday or if you don't mind losing the deposit you definitely need it once you have paid your final balance.

Soontobe60 · 31/08/2025 15:52

What’s the timeline? It sounds like you bought the insurance on the 30th, was due to fly today (31st) but your DF had a heart attack on the 28th. If that’s the case, of course you wouldn’t be covered.

autienotnaughty · 31/08/2025 15:52

Did you take the policy out before the 28th? The point is he’s unfit to fly on the travel dates which presumably are covered.