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Can we afford to cruise again?

Can we afford to cruise again?

Postby CGBOWLER » 01 Oct 2013 14:07

OH had a pacemaker fitted one week ago.
When he received notification to see his cardiac consultant he phoned our insurance company, Aviva to inform them.
They promptly removed all his previously covered existing conditions including heart attack, by-pass, BP, cholesterol and diabetes. No offer of paying more to re-insure him.
We had to cancel our planned trip to Majorca on 5th to 12th October. Aviva said they would pay but I foresee it will take ages. (The GP could take up to 5 weeks to fill in the required forms. :o ) I expect Aviva will be looking for a fine tooth comb to avoid paying. Good job it was a cheap holiday.
As it happens our insurance with them is due for renewal on13th October.
We have not got down to checking other companies properly but contacted just one, Justinsure I think it is called. They will insure us, £700 for a single trip or £1100 for annual insurance for the two of us. He had forgotten I'm supposed to have diabetes, recently diagnosed so when he told them the cost increased to £1300.
We have no plans for a holiday at the moment but it looks like we will be sticking to British ones from now.
Unless anyone can recommend a cheaper insurance company. :roll:
Irene
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Can we afford to cruise again?

Postby ShipShape » 01 Oct 2013 15:14

I'm afraid I'm a bit in the dark about travel insurance.

When you say they charge £1300 for a yearly policy, is that so that those conditions are covered?

I'm particularly intrigued by the +£200 for one party's newly diagnosed diabetes. Not sure what is being covered there, since diabetes is a chronic condition not usually associated with the sort of dramatic intervention we all fear on cruise ships (and the cost of which the insurer has in mind when quoting).

Could you, for example, get cover for the major things that could cause you to be airlifted off, but ignore the chronic conditions that really could wait until you get home? (I know in your husband's case he has heart-related issues so it complicates matters)

I sense the whole travel insurance market is a bit of a racket.

Cheers
Iain
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Can we afford to cruise again?

Postby Shelledpea » 01 Oct 2013 15:25

Ian,

It's weird with regards to travel insurance. My daughter suffers from Severe peanut allergy so when I'm shopping around there are various providers that will not even consider covering her whereas her Asthma, which she is more likely to suffer from and we find harder to prevent, is easily covered. There are specialist providers out there but I have found that GO Travel insurance will cover us every time and at the same price as they originally quote.

Shelley
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Re: Can we afford to cruise again?

Postby ShipShape » 01 Oct 2013 15:52

Hi Shelley

That's the sort of thing I had in mind. Making us pay a fortune to cover something unusual.

Someone unconnected to the forum has just told me there's a particular problem sometimes with 'free' insurance that comes with banks etc. I'll find out more tonight.

Good to see you back, by the way.

Cheers
Iain
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Postby judgegeoff » 01 Oct 2013 16:36

A friend of mine has always had annual travel insurance and, for several years, was insured by one of the bigger companies. When he reached 70 years old the Insurance Company wasn't really interested in insuring him and quoted an outrageous figure for renewal.

He looked around and eventually found a Company that would insure him for what he considered was a reasonable sum. When he received his policy he found that it had been placed with the large Company that he had been with previously!

It is a very weird World sometimes!!! :? :? :?
Geoff

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Re: Can we afford to cruise again?

Postby Salfordkid » 01 Oct 2013 16:38

I have just taken out a policy with stay sure for a one week cruise , policy went up from £30 to £150 due to my heart bypass 10 years ago.

http://www.staysure.co.uk/travel-insurance
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Can we afford to cruise again?

Postby CGBOWLER » 01 Oct 2013 16:52

ShipShape wrote:I'm afraid I'm a bit in the dark about travel insurance.

When you say they charge £1300 for a yearly policy, is that so that those conditions are covered? Yes, all conditions would be covered.
I'm particularly intrigued by the +£200 for one party's newly diagnosed diabetes. Not sure what is being covered there, since diabetes is a chronic condition not usually associated with the sort of dramatic intervention we all fear on cruise ships (and the cost of which the insurer has in mind when quoting).
Me too. I was borderline. No medication, no blood tests, no visit for 6 months and I have no symptoms.
Could you, for example, get cover for the major things that could cause you to be airlifted off, but ignore the chronic conditions that really could wait until you get home? (I know in your husband's case he has heart-related issues so it complicates matters) Might be worth trying if and when we feel like going abroad again.
I sense the whole travel insurance market is a bit of a racket. I'm sure it is. Why do they need to consider highBP or cholesterol when in fact they are controlled by tablets?
Irene
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Can we afford to cruise again?

Postby CGBOWLER » 01 Oct 2013 17:10

[quote="judgegeoff"]A friend of mine has always had annual travel insurance and, for several years, was insured by one of the bigger companies. When he reached 70 years old the Insurance Company wasn't really interested in insuring him and quoted an outrageous figure for renewal.
I think that OH being 73 has something to do with it.
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Re: Can we afford to cruise again?

Postby CGBOWLER » 01 Oct 2013 17:22

Salfordkid wrote:I have just taken out a policy with stay sure for a one week cruise , policy went up from £30 to £150 due to my heart bypass 10 years ago.

http://www.staysure.co.uk/travel-insurance


Aviva want £239.16 which is the same as last year but now without any health cover for OH.
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Can we afford to cruise again?

Postby judgegeoff » 01 Oct 2013 18:48

I have noticed that Saga cruises advertise that their prices include Travel Insurance. How does this work? Is it for a basic insurance which will then be bumped up with additional premiums for pre-existing conditions? Can one of you Saga cruisers enlighten me please?
Geoff

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