Renewing our annual travel insurance....

Welcome to Cruise Critic! If you'd like to participate on our forums by joining in the conversation, please Register Now! Be sure to visit our FAMOUS Roll Call forums, where you can meet other cruisers sailing with you and share a tour or shore excursion and SAVE MONEY!


Unregistered, just back from your Cunard cruise? Get published on Cruise Critic; Write a Review!
Cunard Line

Read hundreds of Cunard Cruise Reviews from cruisers like you.

See posts about:
Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts
BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
All times are GMT -4.
The time now is 06:48 PM.
#1
Wigan, Lancashire
243 Posts
Joined Sep 2011
Well, any day now I'm expecting to receive our renewal quote from our insurance Company for our annual travel insurance. We have been with the same Company for almost five years and each year at renewal time I have something of a "skirmish" with them over the new price quoted. We're still with them but I'm beginning to ask myself if we're staying with them because its "easier" than shopping around. "Easier" because they know of mine and my wife's existing medical conditions ( pretty typical for a 74 year old man and a 68 year old woman) and I don't have to start the rigmarole of going through the quoting process again.

Anyway, I'm going to take time out this year to, as they say, shop around. I know that I've seen threads on travel insurance on this site previously, but up to date suggestions as to quality and competitive Companies who I can look to for quotes would be appreciated. We tend to cruise twice a year and that's about it for overseas travel.

Thanks in advance for any replies,

David.
Expand Signature
Collapse Signature
Alaska - Regal Princess - May 1999
Baltic - Crown Princess - May 2004
Mediterranean - Sea Princess - 2006
Canada & New England - Grand Princess - October 2008
Fjords & North Cape - Grand Princess - May 2011
Mediterranean - Queen Victoria - October 2011
Europe, Arts & Craft Cruise - Ocean Countess - May 2012
Fjords & Waterfalls - Queen Victoria - June 2012
Azores & Canary Islands - Celebrity Eclipse - Oct 2012
Atlantic Isles Discovery - Queen Victoria - May 2013
Fjords & Waterfalls - Queen Victoria - June 2013
Wonders of the Mediterranean - Queen Victoria - October 2014
Lusitania Remembered - Queen Victoria - May 2015
Spain & Italy - Queen Elizabeth - October 2015
Spain and France - Emerald Princess - May 2016
Iberia & Canary Islands - Queen Elizabeth - Sept 2016

Future Cruises:
France & Spain - Crown Princess - may 2017
Queen Elizabeth 2's 50th Anniversary - Sept 2017
#3
126 Posts
Joined Oct 2015
Try Eurotunnel. Don't do America for those of a more mature age, but great for pre-existing conditions. You need to phone them as they don't do online quotes but very easy 5 main questions that you're not travelling to obtain treatment or against doctor's orders. I've had Breast Cancer, hip replacement and husband has Type 2 diabetes, high BP etc. Aged 56 and 59 and our joint annual policy is £76. All pre-existing conditions are covered.
#4
Gower Peninsula, Wales
2,823 Posts
Joined Jan 2006
Originally posted by Csardas
Try Eurotunnel. Don't do America for those of a more mature age, but great for pre-existing conditions. You need to phone them as they don't do online quotes but very easy 5 main questions that you're not travelling to obtain treatment or against doctor's orders. I've had Breast Cancer, hip replacement and husband has Type 2 diabetes, high BP etc. Aged 56 and 59 and our joint annual policy is £76. All pre-existing conditions are covered.
But do they cover helivac should the need arise?
Expand Signature
Collapse Signature
Gill
Oceania Riviera - June 2017
QV - August 2017
QV - December 2017
QM2 - March 2018
QM2 - April 2018
QM2 - January 2019
#5
Pt Charlotte,FL USA
4,318 Posts
Joined Aug 2002
Originally posted by Csardas
Try Eurotunnel. Don't do America for those of a more mature age, but great for pre-existing conditions. You need to phone them as they don't do online quotes but very easy 5 main questions that you're not travelling to obtain treatment or against doctor's orders. I've had Breast Cancer, hip replacement and husband has Type 2 diabetes, high BP etc. Aged 56 and 59 and our joint annual policy is £76. All pre-existing conditions are covered.

From "jimsgirl"
$76 seems very low, given your medical history.

From experience it is ABSOLUTELY necessary that the ins. will pay for :-

Emergency medical care on board ship, transport to on shore hospital , all costs at that hospital (could be for over a week), cost of a nurse if need be to escort you back home to USA, cost of air fare (business class at least back to USA, cost of transport to your home town hospital (where hopefully Medicare/or similar will take over) Refund of the air you may have had at your normal debarkation. and refund of the days of the cruise you did not take. (in my case 12 days out of 29 days)

My Ins paid for all this , it cost the company $$$$$.They paid it without complaint.

The premium when I took out the policy was $100 per $1000 of the cruise cost.(just for that trip), but it was worth it.



.
#6
CUMBRIA ENGLAND
576 Posts
Joined Jun 2008
I booked a b2b transatlantic today, travelling with my 85 year old mother who has a couple of medical issues. I have since been looking for insurance for her (I am covered by my bank). At first, premiums were coming out at an eye-watering £2000+ so I did a search on this forum to see if anyone could help. I tried one or two but the one I have just purchased cost £207 (single trip only) and the company, as recommended on here, was All Clear. Hope this helps.
Expand Signature
Collapse Signature
#7
Up North, UK
1,478 Posts
Joined Aug 2011
It appears to be standard insurnace company practice to assume that you are too busy, too idle or too stupid to bother doing a price check. Sadly, too many of us fall for this logic.

I seldom get an insurance renewal (especially for car insurance) that isn't a chunk more than last year. Armed with a bit of on-line price checking, it invariably tumbles once I make the call but it's deeply galling that you have to waste time every year jumping though hoops just to get the same price as they are offering for new customers.



.
Expand Signature
Collapse Signature
.

Queen Victoria V525 Spain, Portugal, Morroco - Nov 2015
Celebrity Sillhouette Shakespeare Cruise - April 2016
Queen Elizabeth Q620 Portugal & Canaries - November 2016

#8
England
234 Posts
Joined Aug 2006
Originally posted by Csardas
Try Eurotunnel. Don't do America for those of a more mature age, but great for pre-existing conditions. You need to phone them as they don't do online quotes but very easy 5 main questions that you're not travelling to obtain treatment or against doctor's orders. I've had Breast Cancer, hip replacement and husband has Type 2 diabetes, high BP etc. Aged 56 and 59 and our joint annual policy is £76. All pre-existing conditions are covered.


Hi there,
Just had a quick look at this online, but it appears to only cover Europe, unless there is an extension to the policy that you can take?
Expand Signature
Collapse Signature
Oriana 2017
Rhapsody of the seas 2016
Niuew Amsterdam 2015
Oceana 2014
Queen Elizabeth 2014
Costa Atlantica 2012
Costa Deliziosa 2011
Arcadia 2010
Oriana 2009
Century 2008
Aurora 2008
Navigator of seas 2007
Golden Princess 2006
Aurora 2005
Oriana 2004
Oriana 2003
#9
warminster uk
826 Posts
Joined Oct 2007
I have Nationwide Flexi Plus Insurance Which is underwritten by UK Insurance which is underwritten by Directlinegoup Insurance, But declare absolutely everything no matter how slight that it may be for the last 15yrs, That's how far back they checked before they paid my claim for $292,000 that was for 3 weeks in Hospital & 2 Air Ambulances back to the uk, So please don't skimp on the Insurance get a good one for when you need it its the only lifeline that you have.
Expand Signature
Collapse Signature
#11
Hampshire, England
1,279 Posts
Joined Mar 2008
Originally posted by Csardas
Try Eurotunnel. Don't do America for those of a more mature age, but great for pre-existing conditions. You need to phone them as they don't do online quotes but very easy 5 main questions that you're not travelling to obtain treatment or against doctor's orders. I've had Breast Cancer, hip replacement and husband has Type 2 diabetes, high BP etc. Aged 56 and 59 and our joint annual policy is £76. All pre-existing conditions are covered.

Would that be for Europe or worldwide?

Sounds amazingly cheap.
Expand Signature
Collapse Signature
Dancing above the Waves.



Diving below them.

#12
NE Scotland
330 Posts
Joined Jun 2012
Try Martin Lewis the money saving expert dot com

There is stuff on elderly travel insurance including existing medical conditions.

I got a good deal from a site using MSE to find companies.
Expand Signature
Collapse Signature
Ask for my email if you want/need to contact me!

Currently 67 days at sea.

Very first cruise: Cunard Princess; 10 day Med Cruise. 18th Nov 1992




#13
24 Posts
Joined Sep 2014
Originally posted by zider
I have Nationwide Flexi Plus Insurance Which is underwritten by UK Insurance which is underwritten by Directlinegoup Insurance, But declare absolutely everything no matter how slight that it may be for the last 15yrs, That's how far back they checked before they paid my claim for $292,000 that was for 3 weeks in Hospital & 2 Air Ambulances back to the uk, So please don't skimp on the Insurance get a good one for when you need it its the only lifeline that you have.

We also recently got the Nationwide Flexplus annual insurance and are going on a cruise in May. I added several pre-existing conditions which cost us an extra £120 for the year. They only wanted to hear about conditions for which we are taking medication or have seen a specialist or received treatment by a GP in the last year. Certainly no mention of the last 15 years .... I am a little concerned now, especially as your experience sounds horrendous .... and could lead to financial ruin if the company doesn't pay.
#15
3,385 Posts
Joined Sep 2008
Not many can say they have not had a doctor prescription in the last 12 months.

The Nationwide policy is invalid if you have.


David
#16
Gower Peninsula, Wales
2,823 Posts
Joined Jan 2006
Originally posted by balf
Not many can say they have not had a doctor prescription in the last 12 months.

The Nationwide policy is invalid if you have.


David

I haven't had a script for at least 5 years!
Expand Signature
Collapse Signature
Gill
Oceania Riviera - June 2017
QV - August 2017
QV - December 2017
QM2 - March 2018
QM2 - April 2018
QM2 - January 2019
#17
24 Posts
Joined Sep 2014
Originally posted by balf
Not many can say they have not had a doctor prescription in the last 12 months.

The Nationwide policy is invalid if you have.


David

Thank you for your two replies! I have studied the leaflet again. I will phone Nationwide about the "medical statement" again next week. I declared the conditions for which I have had prescriptions in the last year and told them about other doctors' visits in the last year, too ( resulting in £120 extra payment).They were not interested in some of them as they did not result in treatment. That does not sound very strict ( others are interested in the past 5 years), so I am surprised and alarmed to hear about zider's experience with 15 relevant years.
#18
Crewe UK
1,454 Posts
Joined Nov 2011
We stopped having annual policy's cause my wife health and medicine just kept changing and insurers would want extra ££ or they cancelled the policy when her doctor wanted her to try a new tablet, so now just single policy every time which is up to date with her conditions..

We were told by insurers to declare any condition that is controlled by medication from a doctors prescription or any medical condition that required hospital either in or out patient.

Shop around they vary massively, my son is hydrocephalus some insurers want £500 for a 2 week holiday but the one we use is only £33 exactly same cover..


Sent from my iPad using Tapatalk
#19
Bergen County, Northern New Jersey, USA
5,790 Posts
Joined Feb 2006
Hello,

Here across what was once the Old Cod Pond, now nomore as overfishing has caused he cod fishing now to be illegal...

On any Insurance. That four letter word so applies. READ!

Fine print ask your barrister/lawyer, family, and/or informed friends on any leagiZe too. As it does matter quite a bit.

On medical here, in the US, Policies it is recommended the party acquire a Primary Policy as so shenanigans/henanigans occur betwen policy firms.. yes the old he said she said ..

On perscriptions so far the only one i ever had was for a lotion to help stop that dang blasted itching when I had met Miss Poison Ivy havin done a overgrowth clearing of my 1/4 road in rural Virginia, years ago.

You may know of the , IMHO, exhorbident costs.. EG: My XYL was having last April 2016 a.d. her Tetnus shot updated. We got a Bill for it.. $200.00 USD.. ?? No not a mistake last year the preventative shot is not even covered on any of our Insurance Policies either.. It was not a Highway Medical store.. so I can't say Highway Robbery ..may I??.. Just under 10 yrs ago I had that Booster and it cost $5.00 USD for that Tetenus booster shot. As you see the Afforable Care Act ( Obummer Care) did not and is not working well..
Expand Signature
Collapse Signature
truncated American born, bred, proud of it. Garden State growing. Cruise more miles on open water!We are Nautical eh..
1066 a.d William I.Again allied Flanders on ships with King Richard I won England / Scotland.Only I have documented from a.d. 241 so far.
Our N. American Family 1584-1587 Roanok Colony / Croatoan site, first English male child born in N.America, first Permanent Settlement on 05/14/1607 A.D. 2 of the 3 ships, Susan (Sarah) Constant & Godspeed building a fort at Jamestowne, Va.

A few years later also 8 more Kin Folk, aboard on the Dutch Liquor Ship, Mayflower 1621.

June 14th, a.d. 1646 our direct kinsman French first Grand Admiral Jean Armand de Maillé-Brézé killed at the Battle of Ortebello , at Sunset on his Flag Ship Grand Saint Louis . His dad was Marshall of France General Urbain de Maillé-Brézé married Miss Nicole du Plessis-Richelieu only sister of Cardinal Richelieu ...Armand Jean du Plessis, cardinal-duc de Richelieu et de Fronsac .

Site of the Battle ( Orbetello) of Isola del Giglio was near the Friday, a.d. Jan.13th 2012 17 Decked SHIP Costa Concordia Crashed (no deck 13) .
May GOD Bless US of America !
eh..what did ya say?
+ <:><~~


I know we can/may all agree to disagree on cruising but provide learning opportunities for all.

((\/))
Our Ocean current, Favorite's ( Favourite's) Cruise Lines are:Cunard/HAL

Our next Ship Trip now is

*Having quality is so much nicer than quantity at a much lower value.* eCommerce with a conscience!*((\/))
#20
near Oxford
1,696 Posts
Joined Apr 2009
I go through John Lewis. My annual multi-trip insurance, taken out in April 2016, cost me £174 to cover worldwide. (That's what it says. I thought I arranged for Australia but not USA but I must be mistaken.) It is underwritten by Ageas Insurance and allows 45 days maximum on any one trip, but as many trips as I like. It includes personal possessions.

I have two pre-existing conditions but they are not the sort that would cause hospitalisation (e.g. asthma, ME/CFS) so the company and I decided that they are simply not covered by the policy.

When I arranged this last year, I knew I would be in Australia for March and early April this year (my mother's 90th birthday) and wondered if it would be cheaper to just take out cover for Europe and get an additional policy for this Australian portion. They checked prices and the cover for 4-5 weeks in Australia came out more expensive than the annual multi-trip. Very strange!