Help me!! Question about travel insurance.....

[MrsS28]

Hi

Hope someone might be able to help. DH is away in Spain so I'm home alone with 2 DC's (DD 3yo and DS 9 months & EBF). I've been taken I'll and admitted to hospital overnight. In laws at home with the kids.

Will his travel insurance cover him to return home to help me? As it's not actually him that's I'll I wasn't sure x

Yes, it should do - one of the questions they ask when you're getting it is whether any close relatives of the insured person have any health conditions which might require the traveller to return home - ie the cost of returning won't be covered for pre-existing conditions but would be for something new (which I assume this is?)

I hope you can get back soon to help you & that you won't be ill for long

I hope he can get back soon

This is from MoneySupermarket's travel insurance information:

'Cancellation and curtailment - in case you have to cancel or cut short your holiday, perhaps because you lose your job and can no longer afford to travel, or if a relative falls ill while you are away and you need to come home early. The recommended limit is £3,000, or the total cost of your holiday.'

Oh that's fantastic thanks. He's on a golfing trip in Spain so it wasn't cheap with flights, accommodation and all the numerous green fees.

So grateful for your response thanks x

it will depend on his particular insurance cover so he would have to check his policy

Yes, that's true, but if he's got a good standard policy he should be ok.

I've just checked our annual policy. They do 3 levels of cover & the curtailment amount varies between £500 & £5000 (with excess between £100 & £50) but the wording says

SECTION B5 – CURTAILMENT (CUTTING SHORT YOUR TRIP)

For each insured-person this insurance will pay:
up to £500 on your Bronze policy or £1,500 on your Silver policy or up to £5,000 on your Gold policy for your unused proportion of (i) transport charges, (ii) loss of accommodation and (iii) additional travel expenses that you have paid or agreed to pay and that you cannot recover from any other source following your necessary curtailment of your trip due to the trip being cut short by your early return home because of the death, injury or illness of:
? you or a friend with whom you are travelling .
? a close relative who lives in your home country.

It might not cover his green fees unless they were part of a package? But he can ring them from Spain, explain what's happened & start his claim, & the claim people can probably tell him what he can & can't claim

yes, it should. He needs to ring his insurers and also minimise the claim by cancelling as much as he can.

get well soon.

There's no point asking here as the answer depends entirely on the terms of his cover.

He should ring his insurers and ask.

Thanks for replies. We've got a good policy so he should be covered. He was ringing to get a flight home booked as a priority before calling the insurers x