Following an investigation by the Insurance & Financial Services Ombudsman an insurer has changed its decision and agreed to pay out under its travel policy.

The insured had purchased travel insurance, but before commencing travel, had suffered a blood clot.  Upon doctor’s advice she had cancelled her trip and made a claim on her travel insurance.

The insurer initially declined the claim, because it believed her pre-existing varicose veins was related to the need to cancel the travel.

Following discussions with the Insurance & Financial Services Ombudsman’s Office the insurer agreed to review its position and, once it obtained a legal opinion, it agreed to pay the claim.  This was because the cancellation of travel was due to a blood clot caused by a fall and was unrelated to the insured’s pre-existing condition.

Alan Knowsley

Insurance Lawyer