When might a death in the family not be covered by insurance?
The cover provided for bereavement wouldn’t pay out if your relative died from a condition which they were already suffering from at the time you bought the policy – unless you had paid a higher premium to include it.
When you buy travel insurance, you’ll be asked whether you or anyone else who is travelling has pre-existing medical conditions. But you won’t be asked about your wider family’s health – instead, the policy will automatically exclude deaths that arise from pre-existing medical conditions for non-travellers.
By being charged a higher overall premium, you remove the pre-existing medical condition clause that comes with a regular travel policy. Some of the most common types of pre-existing conditions include heart problems, diabetes, asthma and chronic illnesses such as cancer.
The cover provided by travel insurance varies from policy to policy, including the definition of what constitutes a ‘close’ relation. Some policies will include brothers- or sisters-in-law, while others won’t. Friends or pets won’t be covered. Also, the bereavement usually must not have been the result of suicide.