Shortly before Louise* and her daughter Tina* left for the USA, Tina was diagnosed with anxiety and post-traumatic stress disorder (PTSD). Symptoms arose during the trip and Tina didn’t leave the hotel or participate in any of the booked activities. Louise claimed for the entire cost of the trip, due to loss of enjoyment.
The claim was declined for 2 reasons: loss of enjoyment was excluded from cover; and Tina’s pre-existing conditions were excluded.
Louise then said that, after a New York ferry ride, her own disembarkment syndrome prevented her from attending a Broadway show. However, because Tina’s anxiety played an equal role in preventing their attendance at the show, the pre-existing condition exclusion applied to both travellers.
Complaint not upheld.
*Names have been changed.