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Can we afford to cruise again?

Can we afford to cruise again?

Postby octocruiser » 01 Oct 2013 20:40

judgegeoff wrote: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?


It does exactly what it says on the tin. It includes travel insurance. There are no supplements for additional declared conditions.

They ask you what your conditions are and from there it is Yea or Nay. There is no in between. If they accept you it 's full cover for everything you have declared, and there is no upper age limit. They obviously warn you that you will not be covered for anything that arises from a condition that has not been declared, so it's as well to be completely truthful and give a full account.

Initially they ask three question - can't remember exactly what they are, but are the basic ones such as have you been diagnosed with a terminal illness ? If you can give satisfactory responses to those questions they say you should be OK to go ahead and make a booking. During the booking process you will get more detailed questions, but overall I found it a much more relaxed process than with any other insurer we have used.

I first checked out Saga cruises (I had had Saga insurance before for an independent holiday.) when for various reasons I was being refused insurance from all the other companies we have used, and was so glad that I did.

We have now had three cruises with them and have another two booked.

Of course, the proof of reliability of any policy is what happens when you come to claim. I am happy to say I have never yet had to make a major claim on any policy, so cannot address that question, but I have to trust that they are as good as any we have used before.

You can also choose to opt out of the insurance if you already have an annual policy elsewhere. There is a fixed allowance for this, which varies for each cruise, according to length of cruise, etc.

Cheers Kath
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Postby judgegeoff » 01 Oct 2013 21:36

octocruiser wrote:
judgegeoff wrote: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?


It does exactly what it says on the tin. It includes travel insurance. There are no supplements for additional declared conditions.

They ask you what your conditions are and from there it is Yea or Nay. There is no in between. If they accept you it 's full cover for everything you have declared, and there is no upper age limit. They obviously warn you that you will not be covered for anything that arises from a condition that has not been declared, so it's as well to be completely truthful and give a full account.

Initially they ask three question - can't remember exactly what they are, but are the basic ones such as have you been diagnosed with a terminal illness ? If you can give satisfactory responses to those questions they say you should be OK to go ahead and make a booking. During the booking process you will get more detailed questions, but overall I found it a much more relaxed process than with any other insurer we have used.

I first checked out Saga cruises (I had had Saga insurance before for an independent holiday.) when for various reasons I was being refused insurance from all the other companies we have used, and was so glad that I did.

We have now had three cruises with them and have another two booked.

Of course, the proof of reliability of any policy is what happens when you come to claim. I am happy to say I have never yet had to make a major claim on any policy, so cannot address that question, but I have to trust that they are as good as any we have used before.

You can also choose to opt out of the insurance if you already have an annual policy elsewhere. There is a fixed allowance for this, which varies for each cruise, according to length of cruise, etc.

Cheers Kath


Thanks Kath for a full and informative response. It makes Saga's appeal a lot better!
Geoff

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"MSC Orchestra" - Cape Town to Venice 2020 (now virtual)
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Re: Can we afford to cruise again?

Postby jocap » 02 Oct 2013 20:40

It sometimes pays to ask the charity dealing with your particular ailment, as a forum member discovered with her brush with cancer; I believe the Heart foundation does the same, by investigating which insurance will cover you.
I know that when G was diagnosed with diabetes 2....being 1 point over the base ....he told his insurers and they bumped up the price- and then again because we were visiting Turkey and Egypt. I told him not to as much as look at a cream cake for the whole 2 weeks...I didn't want him to be airlifted from Alex because of a donut excess...
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Postby Barry » 02 Oct 2013 22:10

judgegeoff wrote: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?


Sorry to rain on the SAGA parade, but we had a great deal of problem with SAGA insurance, we had booked a cruise with them (4 in fact) and had taken out their insurance for all of them :!: Anything out of the ordinary has them consulting the underwriters :!:

(edited bit......)We were (by their own admission) dealt with very poorly, they were unsympathetic, unhelpful and put us in a very poor position at a time when we needed help, sympathy and understanding.
I have edited this post (at 4am :roll: ) because the actual circumstances we were in at the time were not very nice and I do not wish to have to go through them again. We're off on holiday again in about another 4 hours so won't be around for a while.

SAGA are like any other insurance company, they do increase premiums and do exclude people from their scheme.
Last edited by Barry on 04 Oct 2013 04:08, edited 2 times in total.
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Postby octocruiser » 03 Oct 2013 17:17

Yes, you had told me about that occasion before, Barry, and it was very unfortunate and very disappointing for you. I have met one or two people who have had a similar experience with Saga, but I think it very much depends on what the new condition is. Obviously as with any insurer you have to inform them of any new condition that arises after the booking is made. If the new condition is potentially terminal they are likely to withdraw the insurance, although in many instances there will be a specialist insurer who may offer cover at a price.

As you know I had to report to them that I was to have surgery earlier this year with two cruises already booked and they said I would need to get a letter from my doctor or consultant three months after the surgery confirming that I was fit to travel, but they assured me that I was still covered in the meantime. (At that time only deposits had been paid. ). A couple of weeks later they rang to say that they were simplifying their procedure 'to make it easier for our clients to do business with us ' and they would no longer ask for doctor's letters as from 31/8/13. They also assured me that my insurance was all in place and We were fully covered for all declared conditions up to that date. There was the usual reminder that should anything further arise they would still need to be notified.

A few years ago when we were quite a lot younger we had an annual insurance with Axa costing something like £140 pa for both for worldwide cover including US. We had a cruise booked on Fred for the Caribbean in January when in October I had a heart attack and was admitted for angioplasty with two stents. The surgeon assured me I would be fit to travel by January.

After discharge we notified Axa and they said I could still be covered for a supplementary premium of £700. I shopped around and found that most insurers wouldn't touch me and those that would were quoting premiums ranging from £1500 to £2500 for me only for the single trip. As I was newly out of hospital and feeling fragile and uncertain about the prospect of a long haul flight, albeit 3 months later, we decided to cancel as full payment was already due.

So,it is not only Saga who shy off life-threatening conditions and so far our experience has been good. We don't have any options similar to your work-related insurance, so are reliant on being able to continue to get Saga to insure us.

Cheers Kath
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Postby CGBOWLER » 06 Oct 2013 13:05

When we first started looking for annual insurance Saga would not give us a quote.
Insure and Go did and we were with them until they changed or passed us on to Aviva. There might have been another company in between but I can't remember. :?
Our GP, bless him, took one day to fill in the form to claim about the pacemaker. :D Charged £20 though.
The car park near LBA refunded most of our prepaid charges (Sentinel) so will recommend them.
Now gathering all the stuff Aviva wants. Fingers crossed.
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Postby grannyM » 06 Oct 2013 13:20

Fingers crossed Irene. Hope if Aviva don't play ball you get something else sorted. :)
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Postby grannyM » 06 Oct 2013 13:27

Irene, I've just remembered I had a 'we'd love to welcome you back' letter from Staysure yesterday. I was putting it in the bin but I did notice it said 'All pre-existing medical conditions considered'. It's worth a phone call 0800 652 8095 or http://www.staysure.co.uk.

We actually moved from them to EHIC+ last year 08450 555 222 or email info@ehicplus.com http://www.ehicplus.com/ and I know Glynis, bobbyoscar, has done a lot of research for travel insurance for her husband's pre-existing conditions so perhaps all is not lost.
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Postby CGBOWLER » 06 Oct 2013 15:46

grannyM wrote:Fingers crossed Irene. Hope if Aviva don't play ball you get something else sorted. :)


Thanks Marie.
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Postby bobbyoscar » 06 Oct 2013 22:45

Hi Irene, just caught up with this thread and have seen Marie mentioned that I'd been researching this for our cruise next year. I'm going to pm you rather than list all the conditions that Andy has but I managed to find 5 companies that were willing to cover us both.
Cruises booked:
June 2020 Celebrity Silhouette
- Bergen - Geiranger - Flam - Stavanger CANX
Sept 2020 Celebrity Silhouette - Madeira - Tenerife - Las Palmas - Lisbon- Vigo CANX
May 2021 Celebrity Silhouette - ST. PETER PORT - CORK (COBH) - WATERFORD(DUNMORE E) - DUBLIN - GLASGOW (GREENOCK) - AKUREYRI - REYKJAVIK - BELFAST
Aug 2021 Celebrity Silhouette GIBRALTAR – CARTAGENA – BARCELONA – VALENCIA – CADIZ - LISBON
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