Travel insurance claims involving medical expenses and repatriation are rising. This was highlighted recently when Damian McGeady, Partner at Lacey Solicitors, appeared on BBC Radio Ulster Talkback to discuss the realities of these claims in practice.
The discussion was framed around a real-life case involving Stephen, a business owner who suffered a heart attack while on holiday and was left stranded in Spain for weeks, reportedly thousands of pounds out of pocket. The case highlights how quickly travel insurance disputes can escalate—and how critical it is to understand both your rights and obligations.
What Are Medical Expenses and Repatriation?
Most travel insurance policies provide cover for:
- Emergency medical treatment abroad
- Hospital stays, medication and care
- Medical evacuation where necessary
- Repatriation, that is, returning you safely to the UK
However, these benefits are subject to policy terms, medical assessments, and insurer approval processes.
Issues Highlighted on BBC Talkback
One of our Partners, Damian McGeady appeared as a guest on BBC Talkback on 23rd April 2026 and explained the delicate balance in these claims:
- Insurers are entitled to investigate claims and rely on the policy wording
- Policyholders are entitled to fair, proportionate treatment—particularly when dealing with illness or distress abroad
The claims process should be robust, but not unnecessarily burdensome.
Common Disputes in Medical Travel Claims
Delays in Accepting Claims
Delays can have serious consequences abroad. The key questions are:
- Was the delay reasonable?
- Could more have been done to progress the claim?
- Did the delay worsen the situation?
Pre-Existing Medical Conditions
A frequent ground for refusal.
The issue is whether:
- There was full and honest disclosure, and
- Any non-disclosure was material
Not every omission will invalidate a claim – but some will. As Damian highlighted in the interview, failure to disclose relevant history is not necessarily a death knell to the claim.
Private vs Public Hospital Treatment
Many policies restrict cover to public hospitals.
However as outlined by our Mr McGeady, claims may still succeed where:
- Treatment was urgent
- There was no real choice of hospital
- Suitable public care was unavailable
- Remaining in a public facility was unreasonable
Failure to Contact the Insurer
Policies often require early contact.
But:
- Claims should not automatically fail for failing to call
- The focus is on whether treatment was necessary and reasonable
Repatriation Disputes
Disagreements often arise between:
- Treating doctors, and
- Insurer-appointed medical teams
These disputes focus on:
- When a patient is fit to fly
- The method of transport
- Whether repatriation is appropriate at all
Insurers may choose a cost-effective option, provided it does not negatively impact recovery.
The Role of the Financial Ombudsman
Where disputes cannot be resolved, complaints can be referred to the Financial Ombudsman Service.
They will assess:
- Policy wording
- Medical evidence
- The conduct of both parties
Their approach is not purely technical—they aim to reach a fair outcome in all the circumstances.
Practical Advice for Travellers
- Ensure full disclosure when purchasing insurance
- Carry a GHIC or EHIC card when travelling
- Contact your insurer as early as possible
- Keep all receipts and medical documentation
- Check your policy position on private treatment
A Real-World Reminder
The case involving Stephen is a stark reminder that even where insurance is in place, difficulties can arise in:
- Confirming cover
- Managing treatment abroad
- Arranging repatriation
- Controlling costs
As highlighted on BBC Radio Ulster Talkback, understanding the process—and getting early advice—can make a significant difference.
How Lacey Solicitors Can Help
At Lacey Solicitors, we act for both insurers and policyholders. This gives us a practical, balanced perspective on:
- Challenging unfair claim refusals
- Advising on policy interpretation
- Resolving disputes efficiently
Our focus is on achieving outcomes that reflect both the policy terms and the real-world circumstances faced by individuals abroad.
Need Advice?
If you are dealing with a travel insurance dispute involving medical expenses or repatriation, we can assist with clear, strategic advice grounded in experience.
