/ Insurance Question
Before this situation arose I had been hoping to do the High Atlas this year but I'm wondering what the insurance situation might be if the worst case scenario occurs before or whilst I am away and have to cancel or curtail my trip. I'm wondering if the insurance people might argue that I knew about her illness before I booked and should not have gone ahead with it.
Do you already have insurance? If so, check the policy wording.
Most good travel insurance policies will cover cancellation and curtailment due to family bereavement, but not in the case of pre-existing conditions. Also, Iím not sure that sister-in-law is close enough family to be covered. Given that youíre not married, itís probably even more unlikely that youíd be covered.
Fingers crossed for you.
If you have already booked the holiday and bought the insurance before you knew of her illness, then it won't matter but if you did, you won't be covered. (Do you know of ANY reason why your trip might be cancelled or curtailed...it's in the declaration when you buy)
Additionally, many insurance companies won't consider it a good enough reason to cancel the trip. Check with them direct. This only applies if you already have a policy.
Ah, thanks for that. I usually insure through BMC
It will not cover existing or known conditions, I declared a family member and they then specifically excluded anything resulting from that specific condition of that person.
I always used to use BMC and still do for Expeditions, but not for general travel cover now.
In reply to mypyrex:
I swear by The BMC insurance cover. They have helped me and friends out of many tricky situations. If in doubt why don't you call up The BMC and speak to Ray who is the insurance guru.
The High Atlas should not require the expedition cover and Morocco used to come in under the European premium , so this will hopefully make it cheaper.
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