You have probably seen a pop-up offering you the chance of a telephone call at an extra cost. It is up to you whether you have a telephone call or not but do bear in mind that a 15-30 minute telephone call covers an awful lot of ground and you can get an awful lot of information in that time. So you can ignore it or go ahead or go ahead later. It’s your choice.
Meanwhile, we can carry on on here.
Just let me get the facts right.
You thought you were buying worldwide insurance because that was what was quoted but in actual fact when you got it you didn’t read it and then it excludes USA and Canada?
Is that the case?
I can think of a lot of countries that would be excluded but they wouldn’t be two of them. I thought they would have been the ones that would have been included in various others like Bolivia or Bogotá would be excluded.
I don’t know the reason behind the difference between the quotation and the policy but you need to know why they didn’t send you what you thought you were buying and if necessary make a complaint to the Financial Ombudsman.
There is a process that you need to go through although you can phone them, you will need to put everything in writing
https://www.financial-ombudsman.org.uk/consumer/complaints.htm:
Thank you for letting me assist you with your legal question. I am glad that I was able to help.
I am not certain whether that answers the question for you or not, but I am happy to answer any specific points arising from this.
It will be my pleasure to help you again either further with this or any future questions you have
Kind regards
Stuart