Broken knee cap and travel insurance?

15
Found 6th Jun 2015
My husband has just had surgery to repair a severed tendon and a broken knee cap, we go on a 2:15 hr flight in At the end of August so we are not sure what's best or expected of us with regarding the holiday or travel insurance.
Do I need to phone them now, but we may still be able to go depending how well he heals.
He is in an all leg cast at the moment, but obviously in 12 weeks this will change dramatically.
I just don't know what route we take now as I have never needed to use the insurance.

Thank you

15 Comments

Assuming that
You had the insurance policy in place at the time the booking was made. ......and
You husband was not expecting to have the surgery ..........and
If he had a pre existing knee problem, this was declared on the proposal.
It is then most likely you can cancel and get a refund, if the insurance that you bought covers that eventuality.
If this was an unexpected injury and you still want to take the holiday, make sure you speak to the insurer to advise them of the change of medical status, otherwise you probably won't be covered on holiday.
There was a story yesterday of a couple who mis-answered one question on a proposal and now face hospital and repatriation bills of 50k.

Original Poster

It was all unexpected, happened in a road traffic accident.
I will definitely make the call to them. Just to be on the safe side. Obviously we won't know til nearer the time if we are still able to go.

just be very careful what you say to the insurer - they have very structured questions to get out of the claim all together.

For sue they will not cover any issue with his knee whilst on holiday ..... as soon as you tell them they will exclude that aspect from your insurance.

You will only be able to cancel if he is advised not to travel by his doctor or surgeon. Maybe better to wait till nearer the time and get the advice of his surgeon / consultant / GP. telling the insurer now or a week before travel will make no difference to the outcome.

I know this because we have been in a similar scenario twice before

who is your travel insurance with BTW?

oh - and airbus is right - if you have not disclosed any even slight condition before when taking out the policy then this is when you will know !

EliTom
Edited by: "elitom" 7th Jun 2015

Original Poster

Luckily we are all fighting fit with previous illness or anything, so no worries about what was declared I was just worried about his knee. I will hold off telling them till we see what his consultant and physio say.

It's with virgin money. I hate insurance companies because of their sly way of working, but you have no choice but to own some.

Thank you

beth3735

Luckily we are all fighting fit with previous illness or anything, so no … Luckily we are all fighting fit with previous illness or anything, so no worries about what was declared I was just worried about his knee. I will hold off telling them till we see what his consultant and physio say.It's with virgin money. I hate insurance companies because of their sly way of working, but you have no choice but to own some.Thank you




yes they have sly ways of working - but it's not entirely the fault of the insurance companies.

here are three reasons why

1. the market is now competitive due to site like this / go compare / money supermarket etc that they must make reduce their costs some how whilst still managing their risk and making a return that satisfied their stakeholders

2. they also get scammed by people who find loopholes in their policies - the people with the mindset that you should always try and make a claim no matter what

3. the bad press from the media - yes some insurers are better than others - but when people take the cheapest possible policy then do not declare previous issues then do have an emergency that costs the earth and they cannot afford to pay - then they go to the media and claim they were ripped off ..... so the insurance industry must put systems in place to avoid this risk also

so yes it can be a minefield - my biggest bug bear is the kids who go off on 18-30 to get totally peed up all day and then do totally stupid thing whilst blind drunk and expect the insurance company to pick up the pieces - so now many insurance policies have a no alcohol rule which ruins it for everyone else .... so check your policy to see if you are covered if you have consumed alcohol ... at all !!!!

EliTom

Original Poster

I noticed our insurance last year didn't cover any injuries if under the influence of alcohol!! Bit naughty if you do genuinely injure yourself and you have had a couple of drinks with your meal etc. but I can see how the younger ones have ruined that aspect of insurance.

beth3735

I noticed our insurance last year didn't cover any injuries if under the … I noticed our insurance last year didn't cover any injuries if under the influence of alcohol!! Bit naughty if you do genuinely injure yourself and you have had a couple of drinks with your meal etc. but I can see how the younger ones have ruined that aspect of insurance.



it not really naughty but it does annoy me also - the insurers must make rules that are black and white otherwise people find loopholes - and yes it is the stupid kids jumping of balconies into swimming pools a few years ago that prompted these changes and spoilt it for the normal holiday maker - agree with you!

that is the main reason I pay a bit more and use Insure and Go - they have a more realistic alcohol policy - but how long it will last is anyones guess

EliTom

missleading

Injury = displaced patella fractureTreatment = Surgical / Open Reduction … Injury = displaced patella fractureTreatment = Surgical / Open Reduction & Internal Fixation (2 screws and figure-of-8 K-wire)Rehab period = 6 months.Initially the knee is fully immobilised in a cast and non-weightbearing, then after about 2-4 weeks partial weightbearing can begin, then partial weightbearing and some movement in a brace, progressing to full weightbearing and full movement by 6-12 weeks. After the brace comes off there will be muscle wasting and stiffness of movement still, so this needs to be worked on between 3-6 months.



if this is the treatment recovery plan then I would guess that a medical specialist (GP / consultant / surgeon) would advise against overseas travel and would write a letter to that effect - in this case the insurers would pay out, and in the case of a couple for both parties less any agreed excess.

But OP would need to wait until a medical specialist makes a judgement

EliTom

Original Poster

Misleading that sounds like what they put on his sickness note for his work. But no matter how much we asked no one would confirm what was used to repair his knee! Hopefully they dr will tell us at one point.

Thank you both. I will let one of the medical people we see this coming Thursday that we have the holiday in 10 weeks!! I thought it was 12 but unfortunately just a little over 10 weeks.

Ouch, sorry to hear of your problems.
Good advice and comments above, looking on the bright side and you do want to go.
Contact your tour operator/airline re. special assistance at the airport.
See if there are any seats on the aircraft with extra legroom, as a 28" pitch with a dodgy knee will be painful, be careful not to take exit seats if your husband is in plaster as they are unsuitable for PRM's, passengers with reduced mobility.
Maybe contact the hotel too, room on the ground floor?
If you have to re-insure with a medical condition, I use Staysure for 2 of my family and find them very helpful.
The doctors opinion will decide the day, but I hope it all turns out ok.
ps really left field, but if it all goes wrong and you can't fly, you could go down by train/ferry and not waste your hotel booking.
Edited by: "airbus330" 7th Jun 2015

Original Poster

Thank you airbus, unfortunately we are probably flying with the worse airline to have a broken knee on. Ryanair with very small leg space!! This really wasn't supposed to happen lol.

I never thought of going by ferry, it may be worth looking into just incase. Our 3 kids would love the adventure

ouch!! if the RTA wasn't his fault couldn't you claim off the insurance of the other driver?

All good, sound advice I think.Ferry is a great idea. There are often deals and the kids would love it. You can maybe ask for assistance, if your husband is still less than fully mobile at the travel date. Staff are usually very good at helping you get around,as there will likely be stairs whether on a boat or plane. Don't ask, don't get. Good luck.

just be careful going by ferry - check with your travel insurer that any complication with teh knee are covered - my guess is that thery will refuse due to being - in their view - a preexistimg condition before travel . Last thing you want is to be stuck abroad and him needing some tratment and you can't easily / quickly get home

EliTom

Original Poster

I phoned them, they said as it happened after we took the policy out then that's the risk they take and there is no extra premium to pay. We are still looking at going husband is stubborn and won't delay it. Thank you all for the advice though
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