From the Bench: Insurers stretching ‘pre-existing medical condition’ clauses

A recent Court of Appeal ruling has clarified how insurers can apply ‘pre-existing medical condition’ exclusions to travel insurance claims.In Dolores Mizzi vs. Atlas Insurance PCC Ltd (Appeal No. 35/2024 LM), the court ruled that an insurer cannot broadly interpret such clauses to reject claims where an accident—not an underlying condition—was the primary cause of...