>>“£5,000,000 in medical cover” With travel insurance generally, I think there's a distinction between emergency medical care you need RIGHT NOW and medical ca

>>“£5,000,000 in medical cover” With travel insurance generally, I think there's a distinction between emergency medical care you need RIGHT NOW and medical care that you need at some point. If I get hit by a train and need to be pieced back together, am in the ICU, etc. I'd expect travel insurance to pay for that, up to the total coverage. If I get diagnosed with a slow moving cancer that needs treatment (but not today), I wouldn't expect travel insurance to cover it. I'd expect this to be laid out in the longer agreements I'm sure he had to sign to get this insurance. That's the difference between travel insurance and health insurance. I (Canadian) can get travel insurance for a trip to the US for damn cheap; that doesn't mean I can go live in the US and use that insurance for my day-to-day stuff. Whether this particular incident is closer to the train or the cancer might be an open question. I think the key point, and maybe where he loses the argument, is that he already flew to Singapore. He took a ~3 hour flight in a worse state then when the insurance company advised him to fly home. Don't think he's going to win this one.