Renewing our annual travel insurance....

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#21
Hampshire, England
1,532 Posts
Joined Mar 2008
I received a mail shot from Nationwide just this week entitled..." Your last chance to get free Travel Insurance'.

Until this year I have always been satisfied with a company called Staysure. They had a great system whereby if you had a pre-condition you could 'opt out' of cover for that condition. This gave a considerable saving particularly as the particular condition I had to declare happened in 2007, was Scuba Diving related, and I have continued diving since.

This year's renewal of course collided with reaching septuagenarian status and there was a 40% hike in premium which I queried and they offered a small reduction which frankly only rubbed salt into the wound.

So I returned to Saga who for full cover matched the Staysure price.

Frankly my time is far more important to me than spending hours shopping around though having received the nationwide offer I did peruse the enclosed brochure.

It was consigned to the bin after 4 minutes when on page 2 I read words to the effect..."'The policy provides multi trip cover for trips in Europe of up to 31 days"
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#22
1,477 Posts
Joined Nov 2011
On side note to all UK cruisers, don't rely on the EHIC medical card while on a cruise as it does no cover us even while cruising the Mediterranean as a cruise ship is its own floating country..


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#23
25 Posts
Joined Sep 2014
Originally posted by Jason12
On side note to all UK cruisers, don't rely on the EHIC medical card while on a cruise as it does no cover us even while cruising the Mediterranean as a cruise ship is its own floating country..


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What if taken ill/ having a fall during an excursion on land?
#24
25 Posts
Joined Sep 2014
Originally posted by Solent Richard
I received a mail shot from Nationwide just this week entitled..." Your last chance to get free Travel Insurance'.

Until this year I have always been satisfied with a company called Staysure. They had a great system whereby if you had a pre-condition you could 'opt out' of cover for that condition. This gave a considerable saving particularly as the particular condition I had to declare happened in 2007, was Scuba Diving related, and I have continued diving since.

This year's renewal of course collided with reaching septuagenarian status and there was a 40% hike in premium which I queried and they offered a small reduction which frankly only rubbed salt into the wound.

So I returned to Saga who for full cover matched the Staysure price.

Frankly my time is far more important to me than spending hours shopping around though having received the nationwide offer I did peruse the enclosed brochure.

It was consigned to the bin after 4 minutes when on page 2 I read words to the effect..."'The policy provides multi trip cover for trips in Europe of up to 31 days"

Nationwide also do a worldwide annual travel insurance that comes free with their Flexplus current account for account holder and partner. There is another Nationwide current account that comes with free Europe wide travel insurance. We think that the worldwide cover is a great deal , even with additional payment for pre-existing conditions ..... but, as a lot of our holidays are within Europe, we are probably paying more for the pre-existing conditions as they are based on worldwide cover (?).
#25
near Oxford
1,696 Posts
Joined Apr 2009
Snowy01, I remember one year when I had bought European travel insurance and then found a good last-minute Transatlantic, so had to get Worldwide cover. I was able to have it added on for a small price. If you are regularly not taking advantage of the worldwide part, you could have a conversation next time you renew, to see if it's possible to add it on as and when needed.
#26
25 Posts
Joined Sep 2014
Originally posted by fantasy51
Snowy01, I remember one year when I had bought European travel insurance and then found a good last-minute Transatlantic, so had to get Worldwide cover. I was able to have it added on for a small price. If you are regularly not taking advantage of the worldwide part, you could have a conversation next time you renew, to see if it's possible to add it on as and when needed.

Worth considering ...thanks!
#27
1,477 Posts
Joined Nov 2011
Originally posted by snowy01
What if taken ill/ having a fall during an excursion on land?


I would say covered as your in that country, heard someone tried to use the EHIC card while on a ship when they became unwell, they got a big bill..


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#28
Gloucestershire
260 Posts
Joined Aug 2006
For those of you considering taking insurance which excludes pre-existing conditions, you should note that it is a condition of travel with Cunard, that your insurance covers all pre-existing conditions. Not sure how they would know or what they would do about it though...
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#29
Staffordshire
1,921 Posts
Joined Sep 2010
Originally posted by snowy01
Nationwide also do a worldwide annual travel insurance that comes free with their Flexplus current account for account holder and partner. There is another Nationwide current account that comes with free Europe wide travel insurance. We think that the worldwide cover is a great deal , even with additional payment for pre-existing conditions ..... but, as a lot of our holidays are within Europe, we are probably paying more for the pre-existing conditions as they are based on worldwide cover (?).

Nationwide only provide worldwide travel insurance only on Flexplus account which you have to pay £10 a month for the current account. You can no longer get travel insurance of any kind on Flexaccount unless you applied for it before December 2016.
#30
Chester, UK
1,406 Posts
Joined Apr 2011
I've had a Nationwide Flex Account for quite a few years but have never even considered the holiday insurance offered and have always bought specific trip holiday insurance (although this year I have bough annual, just because we have/had 2 holidays booked and there was nothing really in it).

The reason I've also discounted the NW policy is:

a) I don't pay for the account. Therefore I have concluded that the policy will be next to useless. You get what you pay for in my book, so I've paid nothing, so I get nothing.

b) As soon as you declare any existing medical conditions, I expect a whopping premium. To me it looks like a ruse; i.e. when you ring up and they say that will be an extra whatever pounds, many people will accept it, because they still like the idea of getting something for "free", even if it's actually cost them more then a specific policy.

I know I sound highly cynical. That's because I'm a highly cynical person.
#31
25 Posts
Joined Sep 2014
Originally posted by ToadOfToadHall
I've had a Nationwide Flex Account for quite a few years but have never even considered the holiday insurance offered and have always bought specific trip holiday insurance (although this year I have bough annual, just because we have/had 2 holidays booked and there was nothing really in it).

The reason I've also discounted the NW policy is:

a) I don't pay for the account. Therefore I have concluded that the policy will be next to useless. You get what you pay for in my book, so I've paid nothing, so I get nothing.

b) As soon as you declare any existing medical conditions, I expect a whopping premium. To me it looks like a ruse; i.e. when you ring up and they say that will be an extra whatever pounds, many people will accept it, because they still like the idea of getting something for "free", even if it's actually cost them more then a specific policy.

I know I sound highly cynical. That's because I'm a highly cynical person.

Re point b) ..... that's what I also expect to happen ( but then, I am a highly cynical person, too). This is our first year with the Nationwide insurance -- we'll see how it goes. I have certainly found many cases online where people report that they were happy when it came to actually claiming.
#32
Stalybridge
69 Posts
Joined Sep 2016
We have had a Nationwide account for 35 yrs and I recently checked with their insurers any additional cost to the free travel insurance with regard existing medical conditions .
An extra £82 was quoted .
#33
3,505 Posts
Joined Sep 2008
Originally posted by Jason12
On side note to all UK cruisers, don't rely on the EHIC medical card while on a cruise as it does no cover us even while cruising the Mediterranean as a cruise ship is its own floating country..


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True, while the ship is sailing when any treatment will be on the ship and should be covered by insurance. You could certainly be put ashore at your request at the next port though and use a local hospital under the EHIC scheme.

DAVID.
#34
Chester, UK
1,406 Posts
Joined Apr 2011
Originally posted by JB9302
We have had a Nationwide account for 35 yrs and I recently checked with their insurers any additional cost to the free travel insurance with regard existing medical conditions .
An extra £82 was quoted .

You have hit the nail on the head there. Their "free" travel insurance is actually £82 (for you at least). So not free then at all !
#35
1,477 Posts
Joined Nov 2011
If anyone is looking for quotes try allclearcruise they are the essayist I've come across they save your quotes and all the details you put in for amending not like the others where you have to reinsert all conditions.


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#36
CUMBRIA ENGLAND
597 Posts
Joined Jun 2008
Hi All

I posted earlier about just purchasing travel insurance for a transatlantic back to back with All Clear Insurance. I disclosed all my mother's pre existing conditions, one of which was chronic bronchitis. However on day 8 (first day out from the return journey from NY to SO, she became very poorly and I had to take her to the Medical Centre. She was diagnosed with Pnuemonia and subsequently was kept in the medical centre for the rest of the return trip as she was very poorly, and then was transferred to Southampton Hospital directly on docking in Southampton. Final bill an eye watering $20,500! Hopefully this will be covered by the Insurance. The problem I have found so far with this insurance is that now my mother is in the UK (Southampton) they are classing this as 'home' and have refused to repatriate her to the policy booklet definition of 'home' i.e. her residential address (300 miles away from Southampton) as she did not start her illness in a foreign country (even though it was mid Atlantic and impossible to repatriate from there). I am here alone with her, I am having to stay in Guest Houses every night, and as we are miles from home I have no transport, as we came down on the Cruise Connect Coach. I have emailed and phoned All Clear and its two 'partners' Reactive Claims and Mapfre Assistance at least once a day, more so on many of the days all to no avail. They are insisting that the NHS are now responsible for arranging transport home for my mother who is still suffering the after effects and at aged 85 is still very weak and fragile. I find this absolutely disgusting and can only say no wonder the NHS is struggling! Therefore the moral of this story is do buy insurance but remember Buyer Beware!!
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#37
131 Posts
Joined Mar 2013
Does anyone in North America take out Cunard Care? I looked into this year and was surprised to learn that it only covers the time onboard. I used one of the bigger companies and checked in person at the Sales Office and they confirmed it does not cover door-to-door which is what I had wanted. Has anybody else got some experience of this? It seems very strange.
#38
UK
259 Posts
Joined Jun 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
All it says is that if you have had a prescription, "You will not be AUTOMATICALLY covered for any claims relating DIRECTLY to THAT medical condition".
#39
Oakland, California
594 Posts
Joined Apr 2002
Originally posted by SALAD MUNCHER
Hi All

I posted earlier about just purchasing travel insurance for a transatlantic back to back with All Clear Insurance. I disclosed all my mother's pre existing conditions, one of which was chronic bronchitis. However on day 8 (first day out from the return journey from NY to SO, she became very poorly and I had to take her to the Medical Centre. She was diagnosed with Pnuemonia and subsequently was kept in the medical centre for the rest of the return trip as she was very poorly, and then was transferred to Southampton Hospital directly on docking in Southampton. Final bill an eye watering $20,500! Hopefully this will be covered by the Insurance. The problem I have found so far with this insurance is that now my mother is in the UK (Southampton) they are classing this as 'home' and have refused to repatriate her to the policy booklet definition of 'home' i.e. her residential address (300 miles away from Southampton) as she did not start her illness in a foreign country (even though it was mid Atlantic and impossible to repatriate from there). I am here alone with her, I am having to stay in Guest Houses every night, and as we are miles from home I have no transport, as we came down on the Cruise Connect Coach. I have emailed and phoned All Clear and its two 'partners' Reactive Claims and Mapfre Assistance at least once a day, more so on many of the days all to no avail. They are insisting that the NHS are now responsible for arranging transport home for my mother who is still suffering the after effects and at aged 85 is still very weak and fragile. I find this absolutely disgusting and can only say no wonder the NHS is struggling! Therefore the moral of this story is do buy insurance but remember Buyer Beware!!
That's awful! My heart goes out to you. Hope your Mum gets better soon.
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Julie
#40
CUMBRIA ENGLAND
597 Posts
Joined Jun 2008
Originally posted by juicyjuju
That's awful! My heart goes out to you. Hope your Mum gets better soon.
Thanks Julie

I have now transported my mother home at a cost of £600 for a private taxi. Southampton Hospital would not take responsibility for her transport home, neither would the insurer. She is not yet fully recovered as I have been told by the doctor it will take at least 6 weeks for it to clear completely. I keep asking myself, what if I wasn't with her? Would they all abandon an 85 year old with pneumonia to find her own way home?
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