A Lot of Hoops for No Result

I recently travelled to the UK and had planned on travelling mainland Europe after I had finished my travels there. We had everything booked, however 3 days before we were due to leave for the mainland I was hospitalised, coughing up blood, unable to swallow and with a fever.

We were given a probable diagnosis of tonsillitis, and advised not to travel due to my condition not improving over time, but the doctor was unable to give us a definitive timeline of my condition as the symptoms, other than coughing up blood, had been present for nearly 2 weeks prior to attending the A&E Department. Following our doctor's advice, we returned to Australia instead of carrying on with the remainder of our trip.

Upon returning home, we submitted an insurance claim for the remainder of our trip. We explained our situation and provided all the requested documents, including hospital records of my visit, which took nearly 2 months to collate and upon providing all of this our claim was rejected due to "not being medically required to return home" as judged by their "medical experts" 2 months after the fact and without having done a physical examination.

In the end it was a lot of hoops to jump through for absolutely no result. We nearly $5000 as a result of our cancellation and need to return home.

Having spoken to several other insurance agencies, all of whom have stated that the documentation provided would've been sufficient to settle a claim, I won't be using Zoom again.

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