Cancelled holiday due to Covid, need some advice !

[Platosrevenge]

I had a temp and felt lousy. As I was going with DS 17 I really didn’t want to risk being ill abroad and leaving him to fend for himself or infecting half the hotel so had to cancel the day before.
Have got all the ‘no show’ paperwork from Ryanair but the insurance company are now asking for a doctors letter to confirm my illness had nothing to do with existing conditions (I’ve got high BP and had long Covid a few years ago). GP is saying that because I didn’t consult them they’re not sure what to write. Surely a Covid infection is like any virus, most won’t need to see a doctor, how can a doctor confirm it ?
Just wondered if anyone had been in this situation Tia.

I seem to remember someone I know saw a slightly dodgy sounding online GP (cost about £30) for a similar reason. She got a GP letter from them for an insurance claim.

But we can’t stop life because of Covid anymore. If everyone could just ‘decide’ they weren’t well enough to fly then the insurance industry would be on its knees. It is common knowledge that to claim you need a doctors note confirming that you are not well enough to fly, Covid is no longer a reason unless your doctor tell you it is and writes you a note, same as the common cold. You have been very naive and I would be surprised if you got anything back

We cancelled a holiday in Oct 24 on the day of departure due to DH having covid. He had the strain that involved sickness and diarrhoea.
Travel insurance company sent us a form for our GP to fill out. We took it to the surgery, handed it to the receptionist who gave it to the GP to fill out and we picked it up again a couple of weeks later. Travel insurance paid out a few weeks after that.
DH never saw the GP at all.

This is nuts and a complete overreaction. Only on MN do people still talk about testing for covid.

I’d have taken paracetamol and got on with it. Would you cancel a holiday for a cold? The rules are no different, ie there are none.

Or if I actually was too unwell to travel, I’d have made sure I got that in writing from a medic.

Well im sorry but the vast majority of people don’t test. Of course you can just not go, but you also have to accept that you probably won’t get your money back.

I’ll never forget coming home from holiday, where I’d felt kind of crappy for a few days, buying a perfume on the plane and realising I had Covid because I couldn’t smell it! This happens sometimes.

Sorry you missed your holiday and as a fellow long covid sufferer know how awful it can be. However if you were not even unwell enough to see a dr at the time and weren't declared unfit to fly I don't think your insurer will pay out. I could decide I don't fancy a trip ive booked cos feel under the weather and easily find a pic of a positive covid test the evidence needed is significantly higher or else people would be trying to get payouts constantly.
Not the point but pretty sure a 17 year old could have managed by themselves if you spent the 1st couple of days recovering.....

@Platosrevenge I'm sorry you contracted Covid and had to cancel your holiday. I'm also sorry that some posters on here are being less than kind to you, and in effect telling you that you were foolish not to just go anyway.

Of course you did the right thing cancelling. But the poster who you are replying to you was not having a go at you in my opinion. They were simply saying that when you need to make an Insurance claim THEN you can't decide not to travel without getting the proof they require.

A poster further up @SpeedReader has suggested you argue the point with them that you were NOT told when you phoned that you needed a GP's letter to say you weren't fit to fly and that you depended on the advice you were given on the phone and it is quite wrong of them to refuse to pay out now, when they gave you wrong advice. That is probably the only way you can get the Insurance Company to pay out. Hope that works for you

Yes this is exactly what I was saying. To make an insurance claim you need to be certified as unfit to travel by a doctor.

You've got a virus and think the insurance will just pay out. Unfortunately not that easy.

I've never claimed on holiday insurance, so what do I know. But common sense tells me that you'd need a note from a doctor who examined you at the time of your illness. Otherwise everyone could just say they felt a bit under the weather and claim on insurance.

you will get nowhere. You weren't unfit to fly. You just didn't want to.
Next time, take some paracetamol and crack on. Oh and don't test.

You’re mixing up two completely different issues.

It was perfectly okay for you to choose not to travel with COVID but that doesn’t mean your insurance company is obliged to pay out or cover your costs.