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Claire W

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Review of the Admiral, Travel insurance:

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Will never use Admiral again

I paid for a policy to cover my pre existing conditions as I have breast cancer that spread to my brain luckily currently I have no evidence of disease but declare all this on my insurance. We were on holiday in November in the Maldives (a holiday of a lifetime that we saved for for many years). 4 days into our holiday my father in law passed away. He had medical issues, he was 81 years old. However, he wasn’t in hospital and had a heart attack at a dog groomers. We had spoken to him on FaceTime only hours before it happened. As soon as we heard the news we booked return flights. Admiral have refused the whole claim as my father in law had heart problems in the past. The terms and conditions mention pre existing conditions but only asked for details of the policy holders not family members. I just cannot believe this isn’t covered. We now feel like there is no point having insurance. We feel like they are saying we knew he might die and we certainly did not or we would not have gone away. We still have my mother in law and my parents alive so it seems we shouldn’t go on holiday while they are still alive as we wouldn’t be covered if we have to come home assuming we have a policy with Admiral which we won’t ever again. I feel at the very least I was mis sold this policy as yes there is some wording around this but no specific details were asked for and the day we went away he was given “a wonder drug, that could add years to his life” so at no point were we at an end of life situation. The form to his doctors just had a couple of very leading questions. Reviewed on: 4th February 2025

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