Very unfortunate..........that he thought he could save a few bob by not declaring an existing condition.
This. Insurers price based on risk and a condition like the one he "forgot" about would have pushed his premium sky high. For example my wife and I travelled to the USA two years ago, 18 months before she had been given the all clear from cancer, our premium for two weeks' holiday? £550
.
In a former life I worked as an auditor for the UK Travel & Motor Insurance arm of one of the largest insurers in the world, so I have seen this from both sides of the fence.
The company was actually winding down a number of lines of travel & overseas medical business, mostly those that are online and purchased at the same time as airline tickets as they were
massively loss making. On some flights, over 70% of policies sold would be claimed on after the trip was completed
. As the CFO pointed out to me "people just see it as a way of halving the cost of their holiday." Between that and "alcohol related injuries" it was costing the business a fortune.
Everyone loves the idea that all insurance companies are miserly money-grabbers who profiteer from people's misfortune, or fear thereof. Probably because its easier to swallow than the idea that we (as the collective that is the British public) are a dishonest bunch who can excuse straight up fraud just by declaring it a "victimless crime".