Complete guide to appealing denied travel claims. Pre-existing condition disputes, FCDO travel advice impact, claims evidence requirements, FCA treating-customers-fairly principle, Financial Ombudsman Service escalation.
If your travel claim was denied (cancelled trip, medical emergency, lost luggage), you can appeal. Common denials: pre-existing condition exclusion, FCDO (Foreign Office) travel advice says don't go (no cover), lack of evidence. FCA rules require fair claims handling within 8 weeks. If unsatisfied, escalate to Financial Ombudsman Service (free). Ombudsman can order payment plus compensation (up to £385,000) for distress and inconvenience. Pre-existing condition must be material - insurer bears burden of proof.
Use FightingBack's InsuranceFight tool to draft appeal and escalate to FOS.
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