Help! Travel insurance, worried about being rejected!

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Hi all,

I’m looking for some advice or shared experiences with travel insurance claims.

I’ve got a holiday booked with TUI, flying out on 19th May (booked 01/01/25 but amended by TUI on 11/03/2025) I bought travel insurance on 21st April 2025.

The day after getting the insurance, I was diagnosed with tonsillitis and ended up in hospital. Then, a week later, I had an extremely bad psoriasis flare-up and I’m physically and emotionally not well enough to travel.

I did declare my psoriasis as an ongoing condition when I took out the insurance. At the time of booking the holiday and buying the policy, I had no symptoms and no indication that a flare-up was coming.

I saw my GP yesterday (2nd May) and they confirmed in person that they consider me unfit to fly due to the severity of the outbreak. They haven’t provided a letter yet, but I’ll be requesting one to support the insurance claim.

The insurer has asked me to provide:

• The trip dates and date it was booked
• Booking confirmation/invoice
• Cancellation invoice
• A medical letter stating I’m not fit to travel

I’m just really worried the insurer will try to get out of covering it by linking it to the tonsillitis somehow.

Has anyone had a similar experience with insurance and medical cancellations? I’d really appreciate any advice or reassurance.

Thanks so much in advance.

Did you declare the tonsillitis and hospital trip?

I didn’t, as it happened after I’d booked insurance, albeit by a day, should I? 😫

Yes you should have. Any changes to your health and particular hospital admissions need to be added to your policy. I would definitely put forward a claim as you had disclosed your psoriasis but I’d be expecting them to challenge the claim.

Thank you! It might me a safer option to amend the holiday through TUI instead of going through insurance 🤯

If you can change it at this stage I think I’d do that rather than try the insurance.