Insurance claim for cancelled trip due to sickness
I came down with food poisoning a few days ago and was unable to begin my trip (multiple days driving + trains, boats).
I had to cancel the trip literally on the morning I was supposed to leave and choose a different mode of transport (plane vs driving) because I didn't know when I would feel better again and I have to get back because of visa reasons.
I didn't feel well enough to go to the doctors, but do now - as I'm told I will need a medical certificate.
If I'm well again, is the doctor likely to give me a certificate? If not, what kind of recourse do I have with a claim. All the claims I have seen in the past seem to centre around having 1) Medical certificate before cancelling 2) To use the same mode of transport.
Best Answer
You can still see a doctor now, usually there is a time limit of a few days. The doctor just needs to verify that what he/she observes is consistent with your your description of your medical condition preventing you to go on your trip a few days ago. The doctor is not required to prove that you indeed suffered from that specific illness. You may be well now, but sickness usually doesn't last a long time, so there isn't a consistency problem here.
This is still useful for the insurance company, in a case where the insured suffers from some chronic medical problem who likely knew at the time of booking that he might be unfit to travel, would not get compensation.
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Does travel insurance cover sickness?
Comprehensive travel insuranceThe comprehensive policy usually covers delays, cancellation due to sickness or death, lost luggage and some emergency medical costs.What is considered a covered reason for trip cancellation?
The covered reasons will vary by policy, but in general, the covered reasons for canceling a trip will include: Injury or illness of insured, travel companion, family member, or business partner. Hurricane or natural disaster strikes destination. Bankruptcy or financial default of travel company.What is covered under trip cancellation insurance?
What is Trip Cancellation Insurance? If you're unable to take a trip due to an unforeseeable event, a trip cancellation policy will reimburse you for your prepaid, forfeited and non-refundable costs. Depending on the plan, your policy will help cover costs up to the time and date of your departure.What is covered illness?
These include, but are not limited to: A mental or nervous health disorder, as recognized by the American Psychiatric Association, including but not limited to Alzheimer's disease, anxiety, dementia, depression, neurosis, psychosis, or any related physical symptoms.Insurance for Flight Cancellation Due to Illness : Insurance \u0026 Travel
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