The Fixer: holiday cancellation cover

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Dear Fixer,

I am hoping to go to America in early 2017. However, there is a chance that I will have to undergo an operation that would make it impossible for me to go.

I have an annual travel insurance policy, which includes cover for cancellation should I be unable to go for medical reasons.

But I am not sure whether I can make a claim if I know that there is a possibility I will need the operation before booking.

Is it safe to go ahead with my booking or should I wait and see? Thanks in advance for you help.

V Cotton, Sutton

Dear Ms Cotton,

Travel insurance cancellation cover is designed to protect you against "unforeseen" circumstances, such as falling ill after booking a trip.

Your case is not completely black and white as you do not know for sure that you will need an operation.

However, if you do have to make a claim, you are likely to be asked when you became aware of the need for the operation. And if you answer dishonestly you will be committing insurance fraud.

It's also worth pointing out that any claim will have to be supported by medical records, which may show that you knew an operation was a possibility before booking your holiday.

The safest option, according to the Association of British Insurers, is therefore to call your insurance company and check where you stand. "Your insurer will be able to advise you whether you will be covered or not," it said.

The alternative is to wait for more information from your doctor before booking.

The Fixer

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