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Travel Insurance - Statute of limitations?

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  • 21-02-2014 8:28pm
    #1
    PrettyBoy
    Registered Users Posts: 4,213 ✭✭✭


    Not sure if this is the right place to ask this question, if not I'd appreciate if the mods could move it to the appropriate forum.

    Anyway, I took out a travel insurance policy when I went to Thailand in June 2012. While I was over there I sustained an injury which required me to make a few trips to clinics/hospitals over there. I have all of the relevant paperwork from the hospitals showing dates, injury details, expenses, etc.

    Does anyone know what the statute of limitations/time limit is for making a claim on a travel insurance policy? The injury was sustained in August 2012 - is it too late to make a claim now?

    Thanks.


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    #2
    P. Breathnach
    Registered Users Posts: 12,089 ✭✭✭✭P. Breathnach


    There is no law that fixes a time limit to insurance claims as a particular category. The Statute of Limitations sets a general limit of 6 years on claims, be they insurance or other matters.

    Your issue depends on the T&Cs of the particular policy; you need to dig it out and read through it.


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    #3
    Atlantic Dawn
    Registered Users Posts: 81,197 ✭✭✭✭Atlantic Dawn
    M


    With some insurers they insist on being contacted for pre approval before any medical fees are to be paid. I would imagine a year would be the maximum they would allow, check the policy terms.


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    #4
    PrettyBoy
    Registered Users Posts: 4,213 ✭✭✭PrettyBoy


    Atlantic Dawn wrote: »
    With some insurers they insist on being contacted for pre approval before any medical fees are to be paid. I would imagine a year would be the maximum they would allow, check the policy terms.

    Haven't got a copy of the original policy as I did it over the phone. I do have a policy number though. I contacted them at the time and they just told me to keep copies of all receipts etc. I have the claim forms filled now so I'll send them off and see what they say.

    Thanks for the replies.


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    #5
    Fred Swanson
    Closed Accounts Posts: 21,730 ✭✭✭✭Fred Swanson


    This post has been deleted.


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    #6
    Gatica
    Registered Users Posts: 3,296 ✭✭✭Gatica


    Most insurances we've taken out said to contact the insurance within 30 days of return to Ireland. Others said I have 6 month from date of incident to claim. It's down to the insurer, so you'll need to know your T&C.
    Of course their conditions can't be more limiting than those you're entitled to by law... so you might also need to check it against that.


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