Travel Ins - with post ins medical condition.

emul

Registered User
Messages
137
I took out a multi-trip policy in January.
In Feb I paid deposits for holidays - house and ferry, for holiday in August.
In March I had surgery on a ruptured disc and am still receiving treatment (consultant, Physio, doctor).

I have checked my insurers policy and they state:
"You are not covered (for the pre-existing Medical condition) if, when you took out this travel insurance or when you booked your trip, you or any person (including a close relative) upon whose health the trip may depend
...2 has received treatment as a hospital in-patient or out patient, or been under the care of a specialist consultant within the past 12 months;"

So the question I have is if I am covered and can therefore make a claim if:

1. My family and I cannot travel claim deposit for house and boat.
2. While there an issue arises which requires "insurance" relating to my back or associated issues.

BTW I am not of a manner to claim for anything going, I am concerned that I may be left holding the "can" with foreign medical expenses. I have an EHIC card.
 
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