Will travel insurance insist I travel with a broken ankle?

[irked1]

Could use some advice... 🙏

Thursday evening, broke my ankle while out running 🙄. First thing Friday morning we were supposed to be flying to Spain - that obviously didn't happen.

I was (then) keen to go, so rebooked the flight for first thing Sunday morning.

But now (early hours Sunday) I'm thinking I don't want to go. The ankle is horribly bruised and swollen, walking hurts and I'm scared of getting a blood clot.

Problem is, we have accommodation booked that cost £1600. And I don't know if insurance will refund it.

The insurer is Coverwise. Their helpline is shut till Monday morning. Their policy just says they will cover cancellation if "necessary and unavoidable as a result of... bodily injury".

Will they agree cancellation is "necessary and unavoidable" with a broken ankle? I don't have anything from a doctor saying I can't fly. MIIU didn't really tell me anything, just referred me to the fracture clinic.

Anyone know what the insurer is likely to do?

Edited post as I got the insurer's name wrong - it's Coverwise.

I'd call this number. I know you're at home, but they may be able to offer some advice?

I don't think they will, given that you already had the broken ankle when you booked the flight.

Did you originally book the flight and hotel as a package?

Are the flights with a different company?

Do not go.

I see it is underwritten by AXA. If anything happens and you need assistance while abroad, and then have to make a claim, you will endure a Kafkaesque nightmare. I speak from bitter experience.

You would need a fit to fly certificate to fly with a broken ankle anyway, I imagine?

But, yes, I think the fact that you rebooked the flight may, unfortunately, make this less straightforward than it should be when you try to claim.

Thank you @Atstritchsitch I had not found that number.

The flight and hotel are separate, not a package.

I actually made a brand new flight booking for Sunday. I wasn't intending to claim for the rebooked flight.