Insurer won’t pay out after medical emergency forced us to cancel wedding

February 2, 2026

TL;DR

A wedding was cancelled due to a brother's terminal brain cancer diagnosis, leading to an insurance claim.
The Insurance Emporium (TIE) denied the claim based on a pre-existing condition exclusion, citing daytime drowsiness prior to the policy's commencement.
Doctors had not diagnosed the brother's symptoms as serious before the policy was purchased.
TIE initially offered £9,000 but later withdrew the offer.
The couple has lost £22,000 and cannot afford to reschedule the wedding.
TIE has since revised its declaration form to include more specific questions about pre-existing conditions.
The offer of £9,000 was reinstated, and £350 was paid for service shortfalls.
The couple accepted the offer to focus on supporting the brother, though a full payout was potentially possible through the Financial Ombudsman Service.

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