Travel Decision Reference 2019-0262

Case OutcomeRejected
Reference2019-0262
Date06 August 2019
Year2019
Subject MatterTravel
Conducts Complained OfRejection of claim,
Finantial SectorInsurance
Decision Ref:
2019-0262
Sector:
Insurance
Product / Service:
Travel
Conduct(s) complained of:
Rejection of claim
Outcome:
Rejected
LEGALLY BINDING DECISION
OF THE FINANCIAL SERVICES AND PENSIONS OMBUDSMAN
Background
On 18 October 2017, the Complainants purchased a travel insurance policy online for
€177.00 for the purposes of a trip to America on 15 November 2017. The travel insurance
policy contained a clause which covered the expense associated with returning back to
Ireland if the trip had to be cut short due to a death, serious illness or injury.
On 17 November 2017, the Complainants received a notice from the local Department of
Health, which was delivered to their hotel, which advised that two guests of the hotel had
been reported sick with Legionnaires’ disease within the previous 12 months. The
Department of Health had conducted tests that had previously revealed the presence of
bacteria in the water supply linked to Legionnaires’ disease.
On 19 November 2017, on account of fears of contracting the disease, the Complainants
returned back to Ireland having booked flights for €559.06. The Complainants sent in a claim
form to the Provider seeking repayment of that sum in addition to a sum of €267.33 not
refunded by their hotel.
On 5 December 2017, the Provider’s representative sent a final response letter declining
coverage.

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