Hi
If a trip is booked in Dec 2019 and the person discovers in early 2020 that they can't travel on medical reason but the policy is up for renewal in 2020 before the scheduled trip . So does it need to be renewed to allow the claim to proceed or is the claim made on the 2019 policy.?
The 2019 policy, and claim should be made now. I'm presuming the medical issue only came to light during the term of the policy, and isn't a pre-existing condition or something that should have been disclosed when taking out the policy.