Stay­sure won’t pay my £2,142 claim

The Daily Telegraph - Your Money - - READERS’ LETTERS -

I am writ­ing in the hope that you can act on my be­half with my travel in­surance claim with Stay­sure.

My hus­band had died dur­ing the fes­tive sea­son and, know­ing the first an­niver­sary would be dif­fi­cult, I booked flights to and from south-east Asia, where my daugh­ter lives, eight months in ad­vance.

I opted for busi­ness class as I am not used to trav­el­ling alone. The flights, which were rec­om­mended by an agent, were non re­fund­able and non trans­fer­able.

How­ever, six months later a rou­tine blood test re­vealed my brother had type 2 di­a­betes and a heart block.

His con­di­tion de­te­ri­o­rated very quickly. I can­celled my plans and he died six days af­ter I had been due to go away. In due course I claimed the £2,142 from Stay­sure for the flights, but it re­fuses to pay. HB, EAST OF ENG­LAND

Stay­sure re­fused the claim on the grounds that the cause of the can­cel­la­tion had been a pre-ex­ist­ing con­di­tion.

The ex­clu­sion clause in­cluded the words when “any form of treat­ment, or pre­scribed med­i­ca­tion, med­i­cal con­sul­ta­tion, in­ves­ti­ga­tion, or fol­low-up/ check-up, has been re­quired, or re­ceived, dur­ing the two years prior to the com­mence­ment of cover un­der this pol­icy and/or prior to any trip” and men­tioned “any car­dio­vas­cu­lar or cir­cu­la­tory con­di­tion (e.g. heart con­di­tion, hy­per­ten­sion, blood clots, raised choles­terol, stroke, aneurysm) that has oc­curred at any time prior to the com­mence­ment of cover un­der this pol­icy and/or prior to any trip.”

You are chal­leng­ing the un­fair­ness of the word­ing when an event that hap­pens af­ter a non-re­fund­able book­ing has been made is not cov­ered. Fur­ther to my in­volve­ment, af­ter having again re­fused to pay the claim, Stay­sure re­lented and re­im­bursed you.

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