I’ve tried today to set up travel insurance for myself and my son as I have finally felt brave (or foolish) enough and have booked a holiday abroad. I realised that I have travel insurance included with something else, via Aviva, so this morning I tried to activate it and found I needed to speak to a medical advisor to see if they could cover my son.
Long story short it turns out that they will provide him with insurance and some of his diagnoses will be covered/included (ADHD and FASD) but ASD is excluded from the cover. I was told that this means that if anything I was claiming for was caused by ASD it wouldn’t be covered. When I tried to get some clarity on how they would decide that I was told that it would depend if a doctor said it was.
Has anyone else experienced this and is it something I should challenge? Or is it not an issue to use this insurance anyway? I’m aware that there are other companies that will offer insurance that does cover ASD, but don’t want to pay for that if it’s not necessary since I already have this insurance! But equally don’t want to risk not being covered!
It feels so random that they are happy to cover ADHD/FASD but not ASD. Given that you can’t really unpick one from the other in terms of his challenges.