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24 minutes ago, Host Sharon said:

In response to this topic, I phoned my insurers All Clear, who haven't been mentioned so far as I can see. My normal annual European travel insurance with cruise cover, fully covers me, including my medical conditions, up to £15 million, for UK cruises with a free 3 months extension due to no use during CV19. I don't know why the others seem to be making such a meal of it.

Doe's the policy cover onboard medical expenses for the seacation cruises Sharon? that seems to be one of the items highlighted with some policies. They meet P&O's stated requirements but wouldn't meet the insured persons need were they to require significant onboard medical treatment.

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Posted (edited)
33 minutes ago, Host Sharon said:

In response to this topic, I phoned my insurers All Clear, who haven't been mentioned so far as I can see. My normal annual European travel insurance with cruise cover, fully covers me, including my medical conditions, up to £15 million, for UK cruises with a free 3 months extension due to no use during CV19. I don't know why the others seem to be making such a meal of it.

All Clear has been mentioned by me and I have had differing versions from them. The latest is the air lift is covered but onboard expenses are not. So make sure you get it in writing.

 

My conclusion is whoever you deal with make sure it says it is covered and don't just say "well it does not say it is not covered in the t&cs" if in doubt get it in writing. 

Edited by MX-Drew
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On 4/4/2021 at 2:12 PM, Couple-Somerset said:

I spent this morning painstakingly going through the list of insurers provided by the Gov Money Advice Service

 

https://traveldirectory.moneyadviceservice.org.uk/en/listings

 

These insurers cover pre-existing medical conditions but nothing prepared me for the illogical range of premiums quoted.

 

I wont bore you with my pre-existing conditions but just take a look at these quotes for annual multi-trip with cruise cover - the ones with best term or price Ive highlighted

 

  • £947.10 - 12 months - Brokersure
  • £325.70 15 months - Avanti Travel
  • £835.59 - 12 months - World First
  • £456.38 - 12 months - payingtoomuch-dot-com
  • £281.57 - 12 months - nowicantravel-dot-co-dot-uk
  • £583.04 - 12 months - Saga Travel
  • £719.52 - 12 months - Freedom
  • £688.53 - 12 months - Free Spirit
  • £786.65 - 12 months - taylor made
  • £526.72 - 12 months - holiday extras
  • £301.35 - 15 months - staysure

I decided to book with StaySure in the end as they're a well-known name.

 

After paying, they gave me a "friends and family discount" link for you to save 20% off your policy (no idea if its a true saving or not) - https://*****.com/ydva5hr9

Thanks for sharing.

Graham.

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What surprises me is the comment from some insurers that on board medical costs will not be covered. Why not, what is the difference between needing medical treatment on a staycation cruise, as opposed to a normal cruise?

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5 minutes ago, terrierjohn said:

What surprises me is the comment from some insurers that on board medical costs will not be covered. Why not, what is the difference between needing medical treatment on a staycation cruise, as opposed to a normal cruise?

There is none but it does not fit the "template" so the computer say "no".

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Not very happy this morning I phoned up my insurance company goodtogo , had the worldwide 3 platinum COVID+ annual cover and we are only insured for £1000 repatriation back to shore , so now looking for a insurance company that will cover that for P&O and princess, without ready back through the whole thread again any good advice for one please 

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1 hour ago, Host Sharon said:

In response to this topic, I phoned my insurers All Clear, who haven't been mentioned so far as I can see. My normal annual European travel insurance with cruise cover, fully covers me, including my medical conditions, up to £15 million, for UK cruises with a free 3 months extension due to no use during CV19. I don't know why the others seem to be making such a meal of it.

Sharon, you need to ask them this question - it needs better wording though. Plus you need the answer in writing

 

Will I be covered for onboard medical expenses above the excess if the onboard medical team determine that I do not need on-shore treatment by the NHS. This specifically applies to 'Staycation' cruises. A 'Staycation cruise is one that departs from a UK port and either ONLY calls at other UK ports  or calls at no intermediate ports at all, being a scenic cruise. It will generally be within the UK territorial waters (12 mile limit) but may enter French or Irish (Eire) or other territorial waters in certain circumstances for example due to weather conditions.

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11 hours ago, Aladdin22 said:

I had online chat with Staysure this afternoon and was emailed an endorsement to my annual policy within ten minutes

I have just contacted Staysure and they have come up with an agreement for Staycation/Seacation cruises from Southampton but only with P&O/Cunard and NOT any other cruise line including Princess.

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2 hours ago, Host Sharon said:

In response to this topic, I phoned my insurers All Clear, who haven't been mentioned so far as I can see. My normal annual European travel insurance with cruise cover, fully covers me, including my medical conditions, up to £15 million, for UK cruises with a free 3 months extension due to no use during CV19. I don't know why the others seem to be making such a meal of it.

People are not making a meal of it as it depends on your insurance company and many are just assuming that because they have European cover for annual cruise policy that it automatically covers you for Staycation/Seacation trips sailing from Southampton in UK waters and some calling at UK ports. I have spoken to Staysure and they have confirmed my policy does not cover me for these cruises but they have negotiated with their underwriters to cover P&O/Cunard ONLY at the moment and will send an endorsement out to confirm cover. All other cruise lines and mine which is Princess are not covered at this moment in time and this was as recent as speaking to Staysure within the last 30 minutes. 

 

So you are wrong automatically assuming that having European cruise cover will cover you for these cruise when it doesnt and not very responsible to accuse people of making a meal of it as people are very concerned.

 

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1 hour ago, terrierjohn said:

What surprises me is the comment from some insurers that on board medical costs will not be covered. Why not, what is the difference between needing medical treatment on a staycation cruise, as opposed to a normal cruise?

I think it is just a blanket assumption by insurance companies that in the UK you will be treated by the NHS regardless of whether you are on a ship or not. In reality there should be no difference between the medical treatment. We are lucky here as we now know where we stand, how many people who have booked seacations will have considered that their insurance could be virtually worthless or read the small print. 

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1 hour ago, terrierjohn said:

What surprises me is the comment from some insurers that on board medical costs will not be covered. Why not, what is the difference between needing medical treatment on a staycation cruise, as opposed to a normal cruise?

That surprises me too. The policies clearly state that any medical expenses incurred are covered, there's no mention of where you are at the time. If you need medical attention on the ship you pay, it's private not NHS, therefore you can claim. Then again, I'm not and insurance company trying to mitigate my losses over the last 14 months.

Avril

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All I can say having been in consultation with Staysure many times by telephone since Monday that dont take it for granted and if you are going on a UK waters cruise whatever the cruise line phone your travel insurance to get it confirmed before you travel it isnt worth the risk.

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I had this response from StaySure...... 

 

Our policies do not provide cover for emergency medical treatment received within the UK as this would be free of charge via the National Health Service. (I didn't ask about shore based treatment, I asked about initial onboard treatment coverage) 

We are however, now able to offer the required medical cover for P&O and Cunard customers travelling on a ‘Staycation’ cruise solely around the British Iles, if you are travelling with either of these cruise lines, please contact our Customer Services Team on 0333 006 8033 to arrange for an endorsement to be sent to you via email.

Kind regards
Samuel

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Exactly majortom, I assumed I would be covered with my platinum level but only up to a £1000 so not good enough and they wouldn’t budge on trying to sort something out , so I have found another one for the single trip for the princess cruise with International Travel and healthcare limited for £42 with on going health problems covered, repatriation  in uk waters and medical expenses on board up to £10,0000

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1 hour ago, majortom10 said:

People are not making a meal of it as it depends on your insurance company and many are just assuming that because they have European cover for annual cruise policy that it automatically covers you for Staycation/Seacation trips sailing from Southampton in UK waters and some calling at UK ports. I have spoken to Staysure and they have confirmed my policy does not cover me for these cruises but they have negotiated with their underwriters to cover P&O/Cunard ONLY at the moment and will send an endorsement out to confirm cover. All other cruise lines and mine which is Princess are not covered at this moment in time and this was as recent as speaking to Staysure within the last 30 minutes. 

 

So you are wrong automatically assuming that having European cruise cover will cover you for these cruise when it doesnt and not very responsible to accuse people of making a meal of it as people are very concerned.

 

I took it that Sharon meant other insurance companies by ‘the others’, not that people were making a meal of it. That’s how I read it anyway!

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9 minutes ago, Purdey16 said:

Exactly majortom, I assumed I would be covered with my platinum level but only up to a £1000 so not good enough and they wouldn’t budge on trying to sort something out , so I have found another one for the single trip for the princess cruise with International Travel and healthcare limited for £42 with on going health problems covered, repatriation  in uk waters and medical expenses on board up to £10,0000

Whilst £10K onboard fees should cover it, going by P&O's wording they want £2 million or you can't board.

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11 minutes ago, Purdey16 said:

Exactly majortom, I assumed I would be covered with my platinum level but only up to a £1000 so not good enough and they wouldn’t budge on trying to sort something out , so I have found another one for the single trip for the princess cruise with International Travel and healthcare limited for £42 with on going health problems covered, repatriation  in uk waters and medical expenses on board up to £10,0000

I have had a quote for 7 day policy to cover my self and my wife for my Princess cruise with their recommended insurer(HE) and they have quoted me over £70+.

 

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Posted (edited)

Do the insurance Stay/seacation issues go away if a cruise stops in at least one non UK port. We are booked on Princess in October that is due to stop at Guernsey (cruise ship ban could still be in place) and Cork.

I don't understand the UK waters bit, on normal International cruises from Southampton you are in UK waters for many hours after departure. Does that mean that if someone needs ship medical attention soon after departure insurance doesn't cover it?

Edited by Splice the mainbrace
Incorrect port stop, Cork not Dublin!
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1 minute ago, Splice the mainbrace said:

Do the insurance Stay/seacation issues go away if a cruise stops in at least one non UK port. We are booked on Princess in October that is due to stop at Guernsey (cruise ship ban could still be in place) and Dublin.

I don't understand the UK waters bit, on normal International cruises from Southampton you are in UK waters for many hours after departure. Does that mean that if someone needs ship medical attention soon after departure insurance doesn't cover it?

October cruise is not classified as a Seacation cruise just a normal cruise so problems being suffered now trying to get insurance should not be a problem. It is not an issue being in UK waters as long as there is a port of call internationally or you are in foreign waters during the cruise.The problem is if on a UK waters where you are not stopping anywhere or if you do it is in UK then you are not travelling in foreign waters so European normal cruise insurance policy doesnt cover you with many companies.

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22 minutes ago, majortom10 said:

October cruise is not classified as a Seacation cruise just a normal cruise so problems being suffered now trying to get insurance should not be a problem. It is not an issue being in UK waters as long as there is a port of call internationally or you are in foreign waters during the cruise.The problem is if on a UK waters where you are not stopping anywhere or if you do it is in UK then you are not travelling in foreign waters so European normal cruise insurance policy doesnt cover you with many companies.

However the UK territorial limit is 12 miles and it is for France and Eire as well. So by briefly entering those foreign waters is the cruise deemed a foreign cruise?

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33 minutes ago, MX-Drew said:

Whilst £10K onboard fees should cover it, going by P&O's wording they want £2 million or you can't board.

It’s 10 million I’m covered for so well within the 2 million they want , I just went with the one my travel agent recommended, I was happy with paying the amount to get all the correct insurance, don’t want to be turned away at the port 😉

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52 minutes ago, Couple-Somerset said:

I had this response from StaySure...... 

 

Our policies do not provide cover for emergency medical treatment received within the UK as this would be free of charge via the National Health Service. (I didn't ask about shore based treatment, I asked about initial onboard treatment coverage) 

We are however, now able to offer the required medical cover for P&O and Cunard customers travelling on a ‘Staycation’ cruise solely around the British Iles, if you are travelling with either of these cruise lines, please contact our Customer Services Team on 0333 006 8033 to arrange for an endorsement to be sent to you via email.

Kind regards
Samuel

Interesting, I wonder how they define the "British Iles"? which of course includes all the islands including the whole of Ireland including Eire.

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2 hours ago, majortom10 said:

I have just contacted Staysure and they have come up with an agreement for Staycation/Seacation cruises from Southampton but only with P&O/Cunard and NOT any other cruise line including Princess.

Told me the same. I have another trip booked with Princess so asked about endorsement for that too but we’re told they’ve not looked at Princess yet. I then pointed out that P&O, Cunard and Princess are all owned by Carnival and the reply was ‘they didn’t know that’.  I’ll ask again in a few weeks

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Posted (edited)

I have just received this response from All Clear.

 

"If your Cruise is within UK waters and the NHS/EHIC will not cover any medical expenses due to being airlifted/repatriated then we will take over and provide cover for this."

 

This was in response to directly asking if they cover onboard medical cover.

Edited by MX-Drew
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15 minutes ago, MX-Drew said:

I have just received this response from All Clear.

 

"If your Cruise is within UK waters and the NHS/EHIC will not cover any medical expenses due to being airlifted/repatriated then we will take over and provide cover for this."

 

This was in response to directly asking if they cover onboard medical cover.

Maybe I am overthinking this but I don't trust insurance companies or their use of weasly words to give themselves an opportunity to get out of paying, I can't see how you would be repatriated if you are in UK waters as you are in your own country. They say they would take over and provide cover due to being airlifted/repatriated, but what if you need medical treatment onboard and it is not deemed by the ships medical staff that it is serious enough to be airlifted. Would All Clear pay your medical expenses? Their wording might mean they will but it could also mean they wouldn't.

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