I still don’t know why you were in Ireland for 6 months.
They say in the email of 6 June at 0837 that the psychiatric treatment is not covered under the overseas emergency plan provisions but it certainly isn’t excluded and hence it would be covered.
They are Incorrect in the first email they sent.
It comes down to whether this is emergency treatment or not.
I don’t think they’re offered to pay €800 is an admission of guilt. I think it’s a genuine offer to settle.
The difficulty here is that it’s unlikely that emergency treatment be spread over 6 months because the first treatment was 20 January and the last one was 11 July. I don’t think the judge would find that psychiatric treatment over seven months for a nervous breakdown was emergency.
On a no interpretation, that is not emergency, that is a protracted course of treatment.
There is one thing that would help you and that is that if you got a consultant to give evidence which confirmed that it was essential that your treatment was carried out with the same therapist without travelling home. Without that, I don’t think you have a good chance of succeeding certainly in court.
If you take them to court on this, I don’t think that you have a good chance of success although it would be Small Claims Court and therefore even if you must, you would only lose the court costs and have to pay any nominal solicitors costs of the insurer. I would not go to court with the hope of 50% chance of winning. It is not the treatment of the nature of the treatment the protracted timescale.
What you might want to do is make a formal complaint to the Financial Ombudsman Service and let the Ombudsman decide. I will tell you that they will not routinely come down on the side of the insurer.
I’m sorry the answer is not more favourable for you.
Can I clarify anything for you?