Change/transit country

[mrsterryn]

Husband is "unable to be covered " with travel insurance for the possible stopover country. Our destination is covered no problems (I imagine due to reciprocal agreements)
Does that mean if something happened in that five hours whilst waiting for the next flight he isn't covered for health insurance ?
The unable to be covered was when he did a dedicated application just for that country , so not going to that country now but just curious as one of the flights we could take will transit there

 

[markis10]

What does the PDS say, I suspect coverage for transit is ok, given the risk to the insurer is a few hours exposure.

 

[mrsterryn]

Thank you I will download that lol. He hasn't been refused health insurance before , we have always just paid a significant amount but we actually got the denial yesterday

 

[Mwenenzi]

Husband is "unable to be covered " with travel insurance for the possible stopover country. Our destination is covered no problems (I imagine due to reciprocal agreements)
Does that mean if something happened in that five hours whilst waiting for the next flight he isn't covered for health insurance ?
The unable to be covered was when he did a dedicated application just for that country, so not going to that country now but just curious as one of the flights we could take will transit there

Stopover (24hrs>) or just the 5hrs transit?
Need to enter the country (like for USA) or airside transit?

 

[mrsterryn]

Stopover (24hrs>) or just the 5hrs transit?
Need to enter the country (like for USA) or airside transit?

Just waiting airside for the next plane
No entry into the country , same terminal for the next leg

 

[equus]

You need to read the PDS as it will vary by insurer,

• Covermore, for example (for one of the PDSs I read) does not require you to list any country where you are stoppiing over for less than 72 hours.
• Travel Insurance Direct refers to intending to spend more than 24 hours in a country not listed with them.
• Allianz does not require listing any place where your transit or stopover is less than 24 hours.

You need to remember that you may end up transiting or stopping over in an unexpected destination in the event of a diversion for any reason. It would not be reasonable to refuse coverage for something over which you had no control - and even more catastrophic if, heaven forbid the reason for the diversion was a medical event for a covered person!