This means cutting short a holiday.
There are two types of curtailment:
- Where a customer has returned home under medical advice and/or has been admitted to hospital as an in-patient
- Where a customer is unable to continue skiing or riding (snowboarding) following a 'minor' injury but it is not medically necessary to return home early
In example 1 it will be necessary to obtain a note from the local doctor showing that it is medically necessary to return home earlier or later than planned. The assistance company must also give their agreement.
If you have already contacted the assistance company regarding a major incident there is no further action to take other than for the customer to file a claim on his return for the proportion of his 'lost' holiday.
In example 2 above customers may feel they have a claim for a proportion of the lost holiday because they cannot ski or ride. Unfortunately this is not something underwriters will cover, however they would be able to claim under the ski pack section.