Mr. Siddhant Awati

ERGO Travel Insurance has shown a complete lack of compassion, fairness, and common sense.

My cancellation claim was rejected after my 18-month-old daughter became seriously ill just hours before an international flight. She had high fever and persistent vomiting, and at midnight we contacted NHS 111, the UK’s official out-of-hours emergency medical service. After a clinical assessment, we were explicitly advised not to travel.

ERGO refused the claim because:

We didn’t take a vomiting infant to A&E at 2–3 a.m.

NHS 111 medical advice was dismissed as “insufficient”

A GP letter issued later the same day (after symptoms eased) didn’t magically state she was unfit at 06:00 that morning

This is utterly unrealistic, unreasonable, and cruel.

They even claimed my child was “fit to fly” — despite the fact that the only medical advice available at the time told us not to travel, and despite the journey being over 24 hours door-to-door (multiple flights plus a 12-hour road trip).

ERGO seems to expect parents to either:

Ignore NHS medical advice, or

Drag a dangerously unwell toddler to hospital in the middle of the night, or

Force a sick child onto long-haul flights just to protect their paperwork

This is insurance in name only. When you actually need help, they hide behind technicalities, hindsight, and impossible standards of “proof”.

If your claim involves a child, illness, or real-world emergencies, do not expect ERGO to support you. I am now escalating this to the Financial Ombudsman Service.

I strongly advise anyone considering ERGO Travel Insurance to look elsewhere.

ERGO Travel Insurance has shown a complete lack of compassion, fairness, and common sense.

My cancellation claim was rejected after my 18-month-old daughter became seriously ill just hours before an international flight. She had a high fever and persistent vomiting, and at midnight, we contacted NHS 111, the UK’s official out-of-hours emergency medical service. After a clinical assessment, we were explicitly advised not to travel.

ERGO refused the claim because:

We didn’t take a vomiting infant to A&E at 2–3 a.m.

NHS 111 medical advice was dismissed as “insufficient.”

A GP letter issued later the same day (after symptoms eased) didn’t magically state she was unfit at 06:00 that morning

This is utterly unrealistic, unreasonable, and cruel.

They even claimed my child was “fit to fly” — despite the fact that the only medical advice available at the time told us not to travel, and despite the journey being over 24 hours door-to-door (multiple flights plus a 12-hour road trip).

ERGO seems to expect parents to either:

Ignore NHS medical advice, or

Drag a dangerously unwell toddler to the hospital in the middle of the night, or

Force a sick child onto long-haul flights just to protect their paperwork

This is insurance in name only. When you actually need help, they hide behind technicalities, hindsight, and impossible standards of “proof.

If your claim involves a child, illness, or real-world emergencies, do not expect ERGO to support you. I am now escalating this to the Financial Ombudsman Service.

I strongly advise anyone considering ERGO Travel Insurance to look elsewhere.

ERGO Travel Insurance rejected my cancellation claim after my 18-month-old daughter became seriously ill just hours before our flight (high fever and persistent vomiting).

We contacted NHS 111 at midnight and were explicitly advised not to travel. ERGO dismissed this official NHS medical advice as “insufficient” and implied we should have taken a vomiting toddler to A&E in the middle of the night or forced her onto a 24-hour international journey.

They relied on hindsight and paperwork technicalities rather than real-time medical advice and common sense.

This experience shows that ERGO cannot be trusted when you actually need support. I am escalating the matter to the Financial Ombudsman Service.

Avoid.

Our first ever home in the UK.
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