I am very excited as I am thinking about going on holidays after Christmas....... Holidays mean travel insurance and lots of online quotations! The first thing I found out this winter is that it is not possible to obtain a quotation unless you are travelling in the next 30 days. In other words, I can't get an online quotation now at the beginning of December for a holiday in February, 2011. Quotations are valid for 30 days and are subject to the usual terms, conditions and exclusions ( which are usually found on the site on the policy document).
I filled out all my personal information and was given a quote of € 52.83 for travel in Europe for up to 35 days...... Happy days. ........! However, when I reached the last page I had to tick a box confirming two things:
(1) that I meet the eligibility criteria and
(2) that I have read the terms and conditions.
So, I duly clicked the link for the eligibility criteria and the following condition jumped out:
" You or anyone requiring cover under this policy, have no pre-existing medical conditions or have not suffered from any serious chronic or recurring medical conditions"
I am not eligible for this policy at € 52.83 and if I had proceeded to purchase the policy and subsequently had to make a claim under this policy there is the possibility that the policy would be completely void due to what is called " non-disclosure of a material fact" in insurance law and this is stated on the website.
So that is the end of the online quotation. It looks like I will now have to ring the insurance company to see if I am eligible for any other policy that they have on offer as there is a blanket exclusion for those with a pre- existing medical condition.
