Areas of Law / Insurance law

We went on holiday with my mother. She ended up having to have a pacemaker fitted at a cost of £15,000. The travel insurance company now says it won’t pay for this, and I’m not sure what our position is.

I take it you were holidaying outside the EEC, where your mother could have obtained either free or reduced-cost treatment in most countries. You don’t say why your mother’s insurers are refusing to foot the bill, but the most common reason is that the person insured has failed to disclose a previous medical condition. If your mother had a history of heart trouble but failed to tell the insurers they will probably be within their rights to refuse payment: you will have to check the terms and conditions of the policy carefully.

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