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Back injury, cancelling a trip and insurance
 Poster: A snowHead
Poster: A snowHead

After re-injuring my lower back/pelvis the new physio tells me - after a different diagnosis from the first injury - it could be a disc injury and if so it may be 1-2+ months for recovery. The first incident was in late August and I was back to normal within 1-2 weeks but this time it's already been 3 weeks and the pain has been worse. Same area . Hopefully I'll make a sooner recovery than advised but either way, that puts a snowboarding trip I have booked 10th December at risk. The heavy feeling is dawning on me that I should probably call off the trip, better to miss out than risk making an injury worse.

It's not clear to me whether my travel insurance covers me to either cancel the trip (now or in the run up) or if I'd be covered if I was fit to go and subsequently reinjured my back, requiring curtailment, assistance to return home or medical care in France. What's more, I was in the process of planning other trips this season so not sure where I stand if things still aren't 100% by then. I'll have to speak to them but wanted to get an idea here first in case anyone's been in a similar situation or has any specific advice.

I probably have 3 main options,
- assuming the physio will provide paperwork for the claim, if I make a fast recovery she might not do so, but I could still currently (next few days) get just under half my money back if insurance rejects.
- Cancel in the coming weeks when it becomes clearer, I'll have time to at least ask for paperwork in the next physio appointment, but i'll lose the ability to be refunded most aspects. Insurer might say I should have cancelled sooner and only cover what was uncancellable when I knew.
- In the last 10 days, if I'm recently fit then physio might be reluctant to provide formal confirmation of fitness so soon given original prognosis. If unfit, and a claim was rejected I'd also not get any refund. But if I'm well enough to at least travel I could travel lighter without equipment, still go to resort and potter for a week so it wouldn't be a total waste although I probably wouldn't bother.

There's a element of me venting in this post, obviously disappointed that I'll likely not be able to go. Sorry for rambling and although you won't get that time back, thanks for reading.
ski holidays
ski holidays
 Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person

@silentice, I would imagine your physio can’t give a formal diagnosis and you will at least need to see your GP …
snow report
snow report
 Well, the person's real but it's just a made up name, see?
Well, the person's real but it's just a made up name, see?

Bad luck - you must be fed up. I think I'd speak to the insurance company sooner rather than later. Explain the dilemma - just be honest. Once you start being economical with the truth you'll get lost! You are expected to do what you can to minimise your losses.
ski holidays
ski holidays



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