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British Airways Travel Insurance Claim Denied

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This is both a request for advice and a warning about purchasing Travel Insurance through British Airways.

In January, my wife and I purchased tickets on British Airways for a trip to London and Paris for April. Because of the crazy events in the world, and other personal reasons, we decided to buy Travel Insurance, which was a first for us. We bought it off a link from the British Airways website , which sold a policy from AIG.

In March, we learned that my wife was Pregnant! My wife?s doctor strongly advised her not to fly since she was feeling so tired and had very bad all-day morning sickness. As required by the policy, we immediately notified British Airways, and the Insurance Company. The airline said there was nothing they could do for us, since the tickets were non-refundable (which we knew, and which is why we bought the insurance). The insurance company sent us forms to complete by her Doctor.

About a month after submitting all the forms, our claim was denied on the grounds that they do no cover ?normal pregnancy unless hospitalized.? Even though this was a Doctor?s recommendation and he submitted the required paperwork, the insurance company considers this an exclusion to the policy. Using this logic, they can exclude almost anything they want under the various exclusion provisions in the policy.

I am trying to find out if there is anyway we can still get our money back for the tickets, and any advice would be appreciated.

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