Which? reveals travel insurance concerns

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Which Travel? has revealed a common problem with travel insurance that is affecting large numbers of people each year.

It recently announced that people who develop medical conditions after they have purchased travel insurance are often let down by ‘get-out clauses’ that the insurance companies have in place.

From its research, Which? claimed that almost a third of people who had told their insurer that they had developed a new condition were forced to pay a higher premium or were unable to get insurance for their trip, even when the condition did not prevent them from travelling.

This is as a result of what are described as “ongoing medical warranties”. Essentially, these are clauses which take into account a change in the risk when someone develops a new medical condition, and they allow insurers to change the arrangement if they do not want to insure the traveller.

Which? claimed that the Financial Ombudsman Service (FOS) said a number of years ago that it is not fair that insurers refuse cover for such new conditions, and that the ongoing medical warranties should only be used when the change is so large that the risk for the insurer becomes very different as a result.

However, some people were left with no cover for their trips or having to pay a higher premium even when they developed relatively minor illnesses and their doctors had told them that it was fine for them to travel.

Which? interviewed 1,876 people as part of its research to come up with the figures, and it highlights a problem that many travellers will now be concerned about when they plan their foreign holidays.


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#1 At least for me my health inunsarce will cover emergencies when I'm out of the country. I'm American though, I'm not sure about for others. Not sure if you can purchase another travel inunsarce policy though.
Posted by Meii on 15/05/2012 at 15:22
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