Cruising Mates Forum: Cruise reviews, chat, answers and information. cruisingmates.co.uk • View topic - Advice please.

Advice please.

Advice please.

Postby bobbyoscar » 06 Aug 2018 10:36

sparkiethecruiser wrote:there is a an insurance company call all clear i have never used them but they specialise in insurance for the profoundly disabled, those with complex health needs and those with life shortening conditions. They was mainly set up for people who had cancer but where not in remission or cancer free but where still be treated as being ill even although they had been in remission or cancer free for several years with no change. I know a few people who have found them much cheaper for same or better policy basically because they specialise in serious illnesses and know the right questions to ask. Hope you get sorted heck my dad didn't even get quoted for that for canada few years ago and hes got a heart condition, high blood pressure and about a million other things wrong with him



Another vote here for AllClear. We have used them for our Med cruise and have just bought a year's policy with them covering all pre exciting conditions (and for Andy, that is a lot!) for Europe inc Spain & Greece. The cost was £799 for the two of us. Last year for a single trip to the Baltic, they were not the cheapest so went with Explorer and paid £675.

AllClear will cover you for cruises under their general travel ins policy but also have a specific 'cruise policy' which covers for missed ports, confined to cabin etc.
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Cruises booked:
October 2018 – P & O Oriana - Cadiz - Catania - Corigliano Calabro – Venice –Zadar - Dubrovnik - Kotor - Corfu - Gibraltar
February 2019 – P & O Aurora - Andalsnes – Tromso – Alta – Stavanger
September 2019 - P & O Azura - Malaga -Messina - Mykonos - Piraeus - Santorini - Katakolon - Gibraltar
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Postby tobysgranny » 06 Aug 2018 12:25

Thanks Donna. I’ll certainly be getting in touch with them as soon as I’ve I have had my follow-up appointment with Cardiology.

Joan
Queen Victoria Nov. 2018.
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Postby Lady W » 08 Aug 2018 08:01

We’re with Goodtogo and we both have pre-existing conditions.
I always buy the yearly policy and go through it to make sure to pick one with good cover.
They were the best price for us.
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Postby tobysgranny » 10 Aug 2018 22:03

Lady W wrote:We’re with Goodtogo and we both have pre-existing conditions.
I always buy the yearly policy and go through it to make sure to pick one with good cover.
They were the best price for us.


Thank you. I will add it to the list of people to get quotes from. Just waiting for my follow up appointment with the Cardiologist then I can start ringing around to get quotes. I would prefer an annual policy as we are off again on another cruise from Dubai to Southampton in the Spring.

Joan
Queen Victoria Nov. 2018.
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Postby Mungo » 12 Aug 2018 09:35

I’ve just used Justtravelcover. :thumbup:
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Postby judgegeoff » 12 Aug 2018 11:03

We use the travel insurance that comes with the Lloyds Bank Platinum current account which costs £19 per month. It also gives us breakdown cover for the car, through the AA and also mobile phone cover. As Chris and I have both got several pre-existing conditions we had to pay an additional surcharge but it was very reasonable. When it came time to renew the policy (after 12 months) I was delighted to see that the additional premium had been reduced. Plus, when we renewed again (at the end of a further 12 months), the additional premium had remained the same as for the previous year.

I haven't made any claims under this insurance, which is the proof of the pudding, but I did some research before we initially took out the policy and most reports were positive and so we were happy that it would be suitable for us.
Geoff

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Nothing yet but looking.
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Postby tobysgranny » 11 Oct 2018 07:10

I’m pleased to say I have seen the Cardiologist and he was pleased with me and my heart seems to be behaving itself. I have now started to try and get travel insurance. I’ve tried a few of the companies recommended by your goodselves and most won’t entertain me on an annual policy but only trip by trip. The average cost for our trip to the Caribbean is still coming out around the £900 mark for me alone (Richard is covered by his Lloyd’s bank Policy).

Taking Glynnis’s advice I tried the price comparison site she recommended and they can get insurance for us both on an annual policy for just under £2,000. However, the Telegraph have offered us both an annual policy for around £1,500 but just have to make sure today the chap has covered me for all my pre-existing medical issues before we go ahead. We will then cancel our Lloyd’s Bank policy.

I’ll let you know how I get on.

Joan
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Postby grannyM » 11 Oct 2018 08:02

Good to hear your Cardiologist's appointment went well Joan. Hope you get your insurance sorted out soon and can start really looking forward to the cruise. :thumbup: :D
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Postby Gillzajoker » 11 Oct 2018 09:57

Pleased to hear of your results, Joan. Good luck with the policy. I can't get cover for any of my pre-existing conditions, so have to hope for the best. (Insurance is difficult to find over here, and I can't get cover from UK).
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Postby tobysgranny » 18 Oct 2018 06:00

We finally decided to take up the Telegraph’s offer for the annual policy for the two of us and apart from our cruise in March/April we may just manage another trip before it expires next November.

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