I purchased travel insurance last year, just after booking our summer holiday for this year. My son subsequently had surgery for a new condition that was unrelated to previous medical history and couldn’t have been known at the time of booking the holiday or taking out the insurance. I phoned the insurer and told them, they said cover was now declined for that condition. I asked what the point was of taking our insurance early if we were not covered for unforeseen events. They faffed a bit and eventually they reluctantly said they might consider a claim for cancellation.
Thing is, we need to pay the balance of the holiday a month before his (hopefully) final follow up outpatient appointment. So do we pay this while cover for the surgery is still declined? Surely we would not be insured for the balance paid, as we are aware of the medical history.
On the other hand, son is now well and has recovered from the surgery (one off diagnosis, can’t happen again and will fully recover). So I don’t want to cancel, and then we’re all sitting around in the summer perfectly well, wishing we could have a holiday. We’d never be able to afford last minute prices in the school holidays.
I wonder whether to go ask a gp. But then we’re taking up an appointment that someone ill might need.
Any advice?