Cancelling holiday due to illness advice .

[esetest]

Mum and dad were due to go on cruise with Royal Caribbean on the  14th june , but she has to have a vital operation on the 9th june  , so they won't be able to go , the balance of the holiday had to be paid 16 weeks before the holiday , so they have paid the £4000 , the insurance company have told them that they are not covered because its a recurring illness ,is it worth dad trying to appeal to the companys better nature and see if they can transfer the holiday when mum is better .

[dickturpin]

not in the business so don't know but surely worth trying?

[BBROWN1664]

if it was a pre-existing condition before the holiday was booked then you have no real claim. Appealing to their better nature is the best option.

[DekF]

Firstly, I hope things turnout okay for your mam.
Secondly, seek out a website specialising in your type of problem. A quick google seems to show that the answer is not as straightforward or black and white as the peeps on here seem to think.

[Dead Eye]

I would suggest appealing to Royal Caribbean

[midden]

I would contact Royal Caribbean asap no reason why they shouldn't change the cruise date as a good wil gesture. After all they still have time to fill your parents booking.  If you don't ask you don't get Fingers crossed [size=78%] [/size]

[bigralphie]

+1
RC must have had this more than once due to average age of the customer base hopefully they can reschedule


Best wishes on the op

[Kosmic Kartman]

If it's a its a recurring illness you/they should have declared this at the time of booking the holiday insurance. Then you're/they are covered for all eventualities if they arise.

I often take the pee out of my wife for listing ALL ailments on holiday insurance come holiday time, no matter how small, but in the long term I've come to realise that it makes sense - because for the little extra premium we know we're covered.

[locksmith]

Appealing to an insurance companies better nature  :lol :lol :lol  :grumble  :grumble  :grumble

Would deffo contact the cruise line first asap

Hope your Mum is OK.

[fazersharp]

If it's a its a recurring illness you/they should have declared this at the time of booking the holiday insurance. Then you're/they are covered for all eventualities if they arise.

I often take the pee out of my wife for listing ALL ailments on holiday insurance come holiday time, no matter how small, but in the long term I've come to realise that it makes sense - because for the little extra premium we know we're covered.

This is (would of been) the best thing to have done.
Its the same with our bike insurance when we disclose any mods, they dont want to pay out when they have to so you dont want to give them any extra excuse.
Also a little tip for everyone is if you plan to - say go away in September and are buying a single trip cover then get it now and if anything comes up you are covered from now.

[richfzs]

Also a little tip for everyone is if you plan to - say go away in September and are buying a single trip cover then get it now and if anything comes up you are covered from now.

Surely you have to give the dates of travel, for single trip cover? Pretty sure I have had to, on the rare occasion I've bought it...

[fazersharp]

[quote author=fazersharp link=topic=13016.msg147159#msg147159 date=1399546597]
Also a little tip for everyone is if you plan to - say go away in September and are buying a single trip cover then get it now and if anything comes up you are covered from now.

Surely you have to give the dates of travel, for single trip cover? Pretty sure I have had to, on the rare occasion I've bought it...
[/quote]
Yep that is right you do - but that is when your late take off and illness abroad kicks in, but cancelations due to illness are covered from when you pay. so it makes sence to pay sooner rather than later, if you are doing a single trip cover.

[richfzs]

Ah, misunderstood - thought you meant you could make a claim for something on a trip prior to your September example. Dunno why I thought that's what you meant, nothing to see here, move along now...

Of course you're correct, re buying the policy now to get the illness cancellation cover etc...

[esetest]

Thanks to everyone for the advice , I am going to get in touch with RC , as said , if you don't ask you don't get .
Regarding the insurance , they did declare the existing condition when they took out the insurance , but because it's the same condition , it means they are not covered .
If the operation was for heart bypass , they would be covered .
So if anyone else , is travelling abroad , would be worth checking this with there insurance company .

[taylor]

if all fails, change the name go yourself, or if not use my name.

[Pat]

Hopefully RC will allow your parents to re-schedule their holiday.

If not then you may find this recent episode of the Radio 4 show Moneybox of interest:

http://www.bbc.co.uk/iplayer/episode/b03...ellations/

Basically, in a case very similar to your parents, a couple had to cancel a holiday with Thompsons who charged them a 100% cancellation fee as it was within a fortnight of the holiday. The chap took them to court & won as Thompsons could only keep a portion of the customers money to cover any actual losses they incurred.

So if for example after your folks telling them that they can't make the holiday, RC resell your parents holiday for say £3,000 then they are only entitled to keep £1,000 of their money.

[esetest]

Thanks for the link Pat , that could be useful .

Hopefully RC will allow your parents to re-schedule their holiday.

If not then you may find this recent episode of the Radio 4 show Moneybox of interest:

http://www.bbc.co.uk/iplayer/episode/b03...ellations/

Basically, in a case very similar to your parents, a couple had to cancel a holiday with Thompsons who charged them a 100% cancellation fee as it was within a fortnight of the holiday. The chap took them to court & won as Thompsons could only keep a portion of the customers money to cover any actual losses they incurred.

So if for example after your folks telling them that they can't make the holiday, RC resell your parents holiday for say £3,000 then they are only entitled to keep £1,000 of their money.