Lady was denied journey insurance coverage as a consequence of bipolar dysfunction


Bupa revoked a lady’s journey insurance coverage after she declared she suffered from bipolar dysfunction. 

Elizabeth Watson, 29, from London, was granted insurance coverage from the corporate, which was then cancelled after she later talked about she had the psychological well being situation.

Though Ms Watson was coated by one other firm, she claims she was pressured to pay 4 occasions as a lot as a consequence of her dysfunction.

After beginning a marketing campaign, which has been despatched to Jeremy Hunt, to stop journey insurers from discriminating towards psychological well being sufferers, Ms Watson says she has been inundated by individuals who have almost been left bankrupt because of such insurance coverage claims.

A Bupa spokesperson has apologised for any misery triggered, including the corporate screens for psychological well being circumstances to make sure it could actually present sufficient cowl.  

This comes after current analysis revealed 21 per cent of psychological well being victims journey with out insurance coverage on account of its extortionate worth, whereas 15 per cent are pressured to keep away from going abroad altogether. 

Elizabeth Watson had her Bupa journey insurance coverage revoked after declaring her bipolar dysfunction

She was initially granted insurance for her IBS and acid reflux, but it was later taken away 

She was initially granted insurance coverage for her IBS and acid reflux disease, however it was later taken away 

Ms Watson got insurance with another company, but was forced to pay four times as much 

Ms Watson acquired insurance coverage with one other firm, however was pressured to pay 4 occasions as a lot 


Bipolar dysfunction is a psychological well being situation that primarily impacts victims’ moods.

It’s characterised as durations of euphoric highs and depressive lows.

These temper swings may be excessive and have a huge impact on a affected person’s high quality of life.

The speed of bipolar episode biking varies between victims.

Bipolar’s causes might embrace childhood trauma, nerve-racking life occasions, genetics or mind chemistry.

Remedy might embrace treatment or remedy. 

Victims can apply self-care by staying bodily wholesome, sustaining a robust help community, sticking to a day by day routine and avoiding recognized triggers, similar to late nights.

Supply: Thoughts 

‘Psychological well being shouldn’t be discriminated towards’ 

Ms Watson, who additionally suffers from acid reflux disease and irritable bowel syndrome, stated: ‘Earlier than I discussed bipolar they have been completely comfortable to cowl me, however as quickly as I discussed bipolar, regardless of how a lot I paid, they only weren’t ,’ The Unbiased reported.

She additionally informed the Wandsworth Guardian: ‘Individuals go on booze-crammed holidays and are at a better danger than somebody with melancholy in my eyes. 

‘Psychological well being shouldn’t be discriminated towards, full cease.’ 

Pressured to pay 4 occasions as a lot 

Ms Watson had already paid £21 for journey insurance coverage for a one-week vacation to Spain.

After later declaring her psychological well being issues, Ms Watson was requested a collection of questions earlier than Bupa said they might not be capable of insure her for any of her circumstances, even when she paid a premium.

Ms Watson filed a grievance towards the corporate when the incident occurred again in August, however so far has solely acquired a letter from Bupa saying it is going to be in contact.

She managed to safe journey insurance coverage from one other supplier, however was pressured to pay 4 occasions as a lot. In line with the Bipolar UK web site, solely 5 UK journey corporations cowl bipolar dysfunction.

Richard Norris, director of shopper insurance coverage at Bupa UK: ‘We’re sorry for the misery we now have induced Ms Watson. We goal to offer our clients probably the most complete cowl attainable, together with psychological well being circumstances the place attainable.

‘We display our Premier and Gold journey insurance coverage clients for bodily and psychological well being circumstances to verify whether or not we will present protection for any pre-present circumstances whereas they’re overseas.’ 

She has started a campaign banning mental health discrimination among travel insurers

She has began a marketing campaign banning psychological well being discrimination amongst journey insurers

Victims pushed to close chapter  

Ms Watson has launched a marketing campaign to stop journey insurance coverage corporations discriminating towards psychological well being circumstances.

She claims to have heard from hundreds of people that have undergone comparable experiences, together with a pair who have been almost made bankrupt after the husband had a nervous breakdown whereas on vacation, regardless of struggling no psychological well being complaints for years. The insurer accused him of mendacity about his previous circumstances.

One other particular person stated they have been quoted greater than a 2,000 per cent greater worth after they declared their psychological well being dysfunction.

Up to now, the marketing campaign has acquired fifty six,161 signatures, and has been despatched to Bupa, the Monetary Conduct Authority and well being secretary Jeremy Hunt with the purpose of banning journey insurance coverage corporations discriminating towards psychological well being issues. 

This comes after analysis by the charity Cash and Psychological Well being Coverage Institute final month revealed 21 per cent of individuals with psychological well being issues journey with out insurance coverage as a result of it’s too costly, whereas 15 per cent have chosen to not journey in any respect due to such excessive prices.