AIBU to expect we won’t get our money back? Tenerife...

[EnglishRain]

Meant to fly out on Saturday. I’m pregnant and my midwife and GP have said not to go, because they just don’t know enough about how it may impact pregnant women. I feel as though I should do as I’m told, but am quite gutted! Our hotel is the sister hotel to the quarantined one, about 15 mins away from it. DH is being optimistic and thinks we might get some money back, seeing as my GP is filling in a medical cert to say they’ve advised I don’t go.

So what do you think?

YANBU - of course the insurance won’t cough up
YABU - you may be in with some luck...

If you haven’t seen I messaged you @clpsmum 🥰

Ex-insurance bod here. If the insurance company didn't ask you to disclose whether or not you were pregnant or didn't ask you to disclose a pregnancy which occurred after the policy was taken out (which would be a material fact on which cover would be based), they can't turn down a claim on the basis of you being pregnant. IIRC, even if they'd asked and you'd left the question blank they can't avoid a claim because you didn't state your pregnancy - the onus would have been on them to ask in the event of a question not answered.

Pressed send too soon.

Talk to your insurer, explain that you've been advised by your GP/midwife not to travel. Hopefully that will be enough. If you feel you've been treated unfairly you can take your claim to the Financial Ombudsman - companies have to pay a fair whack for a claim that's taken on by the FO (it's free to the claimant) so if they're being a bit 'sticky' then the threat can sometimes...focus their attention ;)

@reginafelangee. I’ve got friends out there at the moment too and they are also having a ball. That doesn’t mean they aren’t at risk or that they won’t get ill. Hopefully they’ll be fine but they are both relatively young and fit and not pregnant.

I don't know if you will but I think you should. If a doctor is telling a pregnant woman not to travel that should surely qualify you for a payout.

We were due to fly to Italy in June. My father had a heart attack the day after I took the policy out

They fought and fought with us. Even saying we’d committed fraud! As they thought we’d brought the insurance the day after he had the heart attack!

However. My fathers dr filled in their form. We got it all back. I’m sure if andr write that you had no idea this would harm your trip. It could be applicable

The U.K. has 51 cases of the virus out of a population of 67million (so roughly one case for every 1.3 million people) spread over 90,000 sq miles. Tenerife has 7 cases in a population of just under 1 million (so one case for every 1.43 thousand people) spread over 785 square miles. So statistically the situation in Tenerife is nearly 10 times worse than our current situation and the cases are in an area a fraction the size of the U.K.

I’m normally pretty gung-ho about taking my chances with illness but I think the OP is right to be cautious.