Cost of travel insurance for Caribbean cruises.

[Chez2]

Hi I have or existing conditions. Cystic fibrosis, 5 years post double lung transplant, 3 years post thyroid cancer & removal of my thyroid & insulin diabetic.  I am well though despite what I have. 

 

I have tried 4 places so far they are all over £1200.  I was I was in Florida in may 2018 for two weeks & it was only £120 for both my husband & I.   I asked why it was so much & she said it could be more people have claimed on their insurance than people who went to Florida.  I am wondering if it has anything to do with all the bad weather they’ve had in the Caribbean. 

 

Thanks for any info. 

 

 

[Thejuggler]

Insurance is based on risk and potential costs of a claim to the insurer.

 

How much would it cost to get you off a ship in the Caribbean to a modern medical facility?

 

How much is a Florida quote this year?

 

 

[yorkshirephil]

Age can also be a major factor, moving into a higher threshold, eg 59 to 60 can affect premiums. Have you tried a specialist insurer? I am not sure the weather has anything to do with it, we are recently back from the Caribbean and we had great weather. You are clearly high risk and 4 different insurers giving you quotes over £1200 tells a story.

[Chez2]

Sorry I have not been able to come online for a week or so as had my 2nd cataracts removed.

 

Thank you both for your replies 

 

The Juggler I have never had to claim on my insurance before for any of my 'health problems'   yes it would cost a lot to airlift to the mainland I know.  I'm not sure how much florida would be this year, but it is normally around that price when I go.  

 

Yorkshire Phil

I am 56, the ones I have tried were for pre existing conditions, I am assuming it will be my lung transplant that is causing the high quote.  Just wondered if the Caribbean is generally more expensive than the mainland.

 

Thanks again guys  

 

 

[John Bull]

Do you need to be covered for those pre-existing conditions?

 

My G/F had treatment for cancer. She has been clear for two years, but a standard travel policy is still ridiculously expensive.

And with that type of cancer, a problem won't suddenly arise. So she's switched to another insurer, at sensible cost but excluding that pre-existing condition - a condition that's not going to show either during the vacation or between booking and vacation.

 

The only precaution that we have to take is to time our vacations between 6-monthly check-ups.

 

JB 

Edited December 27, 2018 by John Bull

[cabin4three]

hi  we found that the specialist insurers were very expensive, we found "standard" insurers would cover our pre-existing conditions for significantly less that those advertised as for people with medical conditions

Another option is to go to a broker, a good broker will not charge for providing no-obligation quotes, we have had some good deals via a local broker