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OK so what happens in this scenario?  You are on a 19 night Med cruise and just after leaving Southampton, say 30 miles out, passenger falls down the stairs and breaks a leg.  Medical team xray and set the leg in plaster.  Is that covered?

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23 minutes ago, jeanlyon said:

OK so what happens in this scenario?  You are on a 19 night Med cruise and just after leaving Southampton, say 30 miles out, passenger falls down the stairs and breaks a leg.  Medical team xray and set the leg in plaster.  Is that covered?


Under most policies that would be. At 30 miles out you would be outside uk waters and also the intent is to leave the UK for the holiday. However that is not the case for UK staycation cruises. 

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41 minutes ago, ohnonotmeagain said:

,

Thank you for contacting AllClear Travel Insurance.

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.

Kind regards,

Katie Lawless
Customer Care

 

This is the response I got from All Clear.....clear as mud!

Spoke with both Staysure and All(not even slightly)Clear - then called International Travel and Healthcare the company we use for our offshore corporate coverage (did not mention our existing policies as I wanted a quote as a single cruise passenger)  - below is the coverage and the cost is £81.50 for 5 days coverage - have to travel down to Southampton day prior from way up here so that is covered as well .   Below are the important bits although there are lots more coverages

This is for their Area 1 cover -  which is UK and most of Europe - that covers me in case the ship slips into Irish or other waters apparently thats the problem with these cruises, because they dont go to clearly defined locations, the underwriters cannot properly assess their risk as each possible location will have its own complexities and costs associated with someone needing medical support etc.    "nowhere" isnt on any map in their underwriters knowledge 

"UNITED KINGDOM TRAVEL

Any journey within your home location must involve at least 2 nights’ pre-booked paid accommodation or involve a pre-booked  flight and must be more than 80km from your home."

 

So yes expensive but good coverage = apparently they are the go to company for the cruises around the Scottish islands etc.

BENEFIT MAXIMUM SUM INSURED per Insured Person

STATUS OF COVER

Emergency Medical Expenses  £10,000,000  Included

Medical Repatriation  £10,000,000 Included

Emergency Dental Treatment  £400 Included

Funeral Expenses  £5,000  Included

Extension of Stay  £1,000  Included

Relative/Travelling Companion Support  £1,500 Included

Hospital Benefit  £375   Included

Catastrophe  £500   Included

Curtailment and Cancellation   £3,000  Included

Personal Accident   £15,000  Included

Legal Expenses  £25,000  Included

Personal Liability  £2,000,000  Included

Cruise Interruption   £1,000  Included

Unused Excursions  £500  Included

Missed Port   £500  Included

Confinement to Cabin   £500  Included

Withdrawal of Services  £500   Included

Money and Passport   £1000   Included

Extra Catastrophe  £1,500   Included

Travel Disruption  £1,000  Included

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1 hour ago, majortom10 said:

I have spent many years as Firefighter and seen many people in tears after house fires and lost everything and are not insured and they all say "I never thought it would happen to me" so sorry I am not prepared to take that risk and not have adequate insurance. The costs of medical treatment are typically private fees and are eye wateringly expensive even for the most basic of treatment.

Assuming that most ship's doctors (who are independent contractors) will charge similar fees.

An unusually painful cough - consultation fee £51, cough medicine £3.75.

An unexpected faint - which involved ECG and blood count - £576.00.

Neither needed any follow up appointment, the above costs are each for a single visit to the doctor.

Fortunately, the faint was covered by Nationwide insurance - and they did ask for itinerary and where the ship was at the time.

Ship's doctors are not cheap. Very good, but not cheap.

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1 hour ago, jeanlyon said:

OK, so change that to 5 miles.

It doesnt matter about the actual position of the ship when the accident or illness happens it is where the ship is expected to go or has been when it happens. If the ship is going or has been on international travel then you are covered, if the ship sails around the UK never leaving UK waters and only calling at UK ports that where the problem occurs with regards to insurance. If what you suggest was true on every cruise that leaves the UK once it departed or returned and entered UK waters then nobody on the ship would be covered for insurance purposes.

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1 hour ago, jeanlyon said:

OK so what happens in this scenario?  You are on a 19 night Med cruise and just after leaving Southampton, say 30 miles out, passenger falls down the stairs and breaks a leg.  Medical team xray and set the leg in plaster.  Is that covered?

Yes because you are going on a Mediterranean cruise.

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2 hours ago, ohnonotmeagain said:

,

Thank you for contacting AllClear Travel Insurance.

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.

Kind regards,

Katie Lawless
Customer Care

 

This is the response I got from All Clear.....clear as mud!

That still does not say if it will cover your onboard medical costs.

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2 hours ago, teabear said:

Emergency Medical Expenses  £10,000,000  Included

Implied but does not state onboard medical costs and it is that statement I want. Not something implied.

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2 hours ago, teabear said:

Spoke with both Staysure and All(not even slightly)Clear - then called International Travel and Healthcare the company we use for our offshore corporate coverage (did not mention our existing policies as I wanted a quote as a single cruise passenger)  - below is the coverage and the cost is £81.50 for 5 days coverage - have to travel down to Southampton day prior from way up here so that is covered as well .   Below are the important bits although there are lots more coverages

This is for their Area 1 cover -  which is UK and most of Europe - that covers me in case the ship slips into Irish or other waters apparently thats the problem with these cruises, because they dont go to clearly defined locations, the underwriters cannot properly assess their risk as each possible location will have its own complexities and costs associated with someone needing medical support etc.    "nowhere" isnt on any map in their underwriters knowledge 

"UNITED KINGDOM TRAVEL

Any journey within your home location must involve at least 2 nights’ pre-booked paid accommodation or involve a pre-booked  flight and must be more than 80km from your home."

 

So yes expensive but good coverage = apparently they are the go to company for the cruises around the Scottish islands etc.

BENEFIT MAXIMUM SUM INSURED per Insured Person

STATUS OF COVER

Emergency Medical Expenses  £10,000,000  Included

Medical Repatriation  £10,000,000 Included

Emergency Dental Treatment  £400 Included

Funeral Expenses  £5,000  Included

Extension of Stay  £1,000  Included

Relative/Travelling Companion Support  £1,500 Included

Hospital Benefit  £375   Included

Catastrophe  £500   Included

Curtailment and Cancellation   £3,000  Included

Personal Accident   £15,000  Included

Legal Expenses  £25,000  Included

Personal Liability  £2,000,000  Included

Cruise Interruption   £1,000  Included

Unused Excursions  £500  Included

Missed Port   £500  Included

Confinement to Cabin   £500  Included

Withdrawal of Services  £500   Included

Money and Passport   £1000   Included

Extra Catastrophe  £1,500   Included

Travel Disruption  £1,000  Included

Every item listed ,is exactly as is on my insurance . I get higher cove r plus an accompanying letter stating cover for on-board medical emergency services

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1 minute ago, rumbalizw said:

Every item listed ,is exactly as is on my insurance . I get higher cove r plus an accompanying letter stating cover for on-board medical emergency services

Is that if it is a UK waters only cruise?

If so who is it with? 

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24 minutes ago, MX-Drew said:

Is that if it is a UK waters only cruise?

If so who is it with? 

Cover for you. I've probably got on their nerves, asking questions, stating exactly, what I'm doing, where I'm going , or not going in this case. 

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Posted (edited)

See Cover for you is with AXA Travel Insurance,  I just asked same question and they said yes  subject to their usual get out clause, of t&c 😁 However I have AXA and as far as I can see as long as you have minimum 2 nights booked then your covered.

 

Edited by LifeonMars
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1 minute ago, rumbalizw said:

Cover for you. I've probably got on their nerves, asking questions, stating exactly, what I'm doing, where I'm going , or not going in this case. 

In fact, they've been really helpful, in explaining which pages, the staff at the terminal will want to see, and take the cover letter...though I'm taking the whole wording policy. 

Southampton terminal staff are going to have to go through a lot of training for this ....or will they ? 

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3 minutes ago, LifeonMars said:

See Cover for you is with AXA Travel Insurance,  I just asked same question and they said yes  subject to their usual get out clause, of t&c 😁 However I have AXA and as far as I can see as long as you have minimum 2 nights booked then your covered.

 

Yes thats right . the T's and C's are the usual, what you'd expect eg; treatment that can be left until you are home, tavelling against medical advice, catching a tropical diseasee and not vaccinated, and so on, etc etc . 

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Its seems to me that, passengers in the past, may have travelled without insurance, on UK cruises, thinking they don't need it because they are in the UK and they are still under the NHS. So this is why the cruise lines are making people think before they travel uninsured, in the UK, and on the water.

Also, they were pretty hot about stating the need to have  covid cover on the policy, which some policies may need looking at and amending/adding on . 

 

It is surprising that people forget to check insurance, but it happens. I saw my neighbours on TV, where the kids had been really ill, in the Dominican Republic. First time they'd gone further afield than Spain. Unfortunately, the policy was for Europe only . Ooops 😞 

 

 

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After reading rumbalizw' comments, I  contacted Cover for you in a "chat room" with them and they did confirm  medical expenses and airlift ,if required  would  be included. Uk only cruises  subject to T&C.

 

 

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6 hours ago, jeanlyon said:

OK, so change that to 5 miles.

That puts you I go the very grey area that is being discussed in many of the forums. It depends on the specific wording of the policy - how it defines abroad, home country / area and home. The detail is key. 

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3 hours ago, LifeonMars said:

See Cover for you is with AXA Travel Insurance,  I just asked same question and they said yes  subject to their usual get out clause, of t&c 😁 However I have AXA and as far as I can see as long as you have minimum 2 nights booked then your covered.

 

AXA seems to have it all covered. They appear to also cover if you have to cancel due to quarantine prior to the cruise which holiday extras seems not to. 

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1 hour ago, Stu UK said:

That puts you I go the very grey area that is being discussed in many of the forums. It depends on the specific wording of the policy - how it defines abroad, home country / area and home. The detail is key. 

As you say - it's the specific wording of the actual policy document that counts, and these vary quite dramatically between companies, and even between dates purchased for the same company.  Nothing else - just the policy document.

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13 hours ago, Harry Peterson said:

As you say - it's the specific wording of the actual policy document that counts, and these vary quite dramatically between companies, and even between dates purchased for the same company.  Nothing else - just the policy document.

With most insurance documents, it is the exclusions (especially the "general exclusions")which make the most interesting reading.

In fairness, I think this is a situation that has caught many travel insurers on the hop; previously, most round UK cruises called into UK ports, so UK passengers could be offloaded for ongoing treatment under the NHS.

As they get to grips most insurers that already cover cruises will probably confirm that treatment by the ship's doctor will fall under the medical emergency section and be covered regardless of whether in UK waters or outside.

Until then, if the policy is unclear, I would be inclined to ask for an email to confirm cover under those situations. (Expect any email to highlight the exclusion about alcohol induced injury.🙄- they may be wondering if a no-stops cruise is a new term for booze-cruise).

 

 

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So I have a bit of an update - I hope it helps! 😀

 

Previously from AllClear:

Thank you for your patience whilst we referred this for you.

Please see the below questions and answers regarding UK cruises that have been provided by our Underwriters:

"To clarify, if a customer is going on a UK cruise, do we need to capture whether they are travelling through waters outside of the UK and include these destinations within the region of cover?
Yes, we should, otherwise the customer is at risk of not having the full claim / assistance covered. For your reference this is something we also try to capture when someone is travelling on their own boats. 

Separately, if the customer is on a UK cruise and in UK waters only, would they have medical expense cover including airlift/repatriation?
Yes, should the evacuation not be covered by NHS/EHIC, we would take over and cover them."

Please ensure you declare all destinations, even if you are only travelling through the waters and not stopping at any ports. Failure to do so could impact any potential claim.

Please contact us again if we can be of further assistance.’

 

I then went back with:

Thank you so much for this reply which is really helpful to me.

Can I just clarify that if I was to need medical treatment on board (at the on board medical centre), anything over the excess would also be covered, even if I was only sailing in UK waters?

Thanks’

 

AllClear came back with:

Any medical expenses occurred onboard a UK only cruise will be considered on our AllClear Gold and Gold Plus policy, but only if the costs are not covered by the NHS/EHIC. This will allow you to submit a claim up to the amount covered on the policy.
Please contact us again if we can be of further assistance. 

 

So I think this might be the answer we wanted!

 

I hope this helps - I usually use AllClear anyway due to partner’s various medical conditions so they were my first thought 😀

 

If anyone sees any issues with this, please do let us know though! 🙏🙏🙏

 

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Ive spent a fair chunk of time researching travel policies for the UK cruises over the last week.  The first company who have put in writing specific answers re UK water scenarios is Cover For You who are underwritten by AXA.  If it's of interest here is an extract from the transcript. Usual disclaimers ...... this is not advise and others should do their own research before purchasing to ensure it meets your needs 🙂

 

"I am looking for travel insurance for a cruise that stays in uk waters. Please can you confirm if your policies cover the following:-

1) Repatriation in an emergency from the ship for a medical emergency if the ship can’t dock and the coast guard is unable to assist. I’m thinking of an emergency helicopter evacuation still in UK waters.

2) Treatment onboard the ship that is required as the NHS can’t be accessed whilst at sea in UK waters.

3) Cancellation cover for the cruise if NHS track and trace tell you to self isolate and therefore can’t go on the cruise.

It seems on the face of it that any treatment in the Home Area is excluded - however I’m guessing a cruise has an endorsement added?

I look forward to hearing from you.

Chat Transferred. Hi, xxxx here!! I'd be happy to assist you further.

All our policies include up to £15 million of cover for on board emergency medical costs including the costs of repatriation (emergency evacuation) where medically necessary. This applies for all cruises including a UK 'Cruise to nowhere'* or a UK 'Coastal Cruise'**
 

All normal cover included in your policy also applies including cover for cancellation, curtailment, baggage and more, please refer to the schedule of benefits and the terms found in your policy wording for further information for your chosen cover level. Please note we also offer an optional 'Cruise Cover' add on which provides additional cover including Unused Excursions cover, Missed Port cover and Confinement To Cabin cover, if you have already purchased your policy and would like to add this cover please visit your Customer Zone to add (subject to terms and additional premium).

A 'Cruise to nowhere' is a cruise that departs from and returns to a UK port without calling at any additional ports. Cover is in force from the time you leave port in the UK to the time you return to port in the UK. This cover stems from the insured person being outside their Home Area while at sea as the territorial waters around the UK do not form part of the Home Area definition within our policy wording.

 

A 'Coastal Cruise' is a cruise that departs from and returns to a UK port stopping at one or more UK ports. Cover is in force while at sea, from the time you leave one port to the time you disembark at the next, limited cover applies while on land in the UK. This cover stems from the insured person being outside their Home Area while at sea as the territorial waters around the UK do not form part of the Home Area definition within our policy wording.

That is helpful thank you. Do you have an answer about cover if you have to self isolate under advise from NHS track & Trace prior to the cruise do you can’t go on it.

Subject to terms and conditions you are covered for cancellation due to self isolation providing that official letter/email can be provided confirming the advise.

Great. You are one of the first companies to provide robust answers to these questions. What you have said clearly is different to the policy document we can view when taking out a policy. Is a policy endorsement issued to confirm what you have said ?

Kindly note that above is listed in your policy wording document attached to welcome email. For any information regarding scenarios covered in terms of COVID-19 please see https://www.coverforyou.com/faqs_travel.php"

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Posted (edited)
7 minutes ago, Stu UK said:

Ive spent a fair chunk of time researching travel policies for the UK cruises over the last week.  The first company who have put in writing specific answers re UK water scenarios is Cover For You who are underwritten by AXA.  If it's of interest here is an extract from the transcript. Usual disclaimers ...... this is not advise and others should do their own research before purchasing to ensure it meets your needs 🙂

 

"I am looking for travel insurance for a cruise that stays in uk waters. Please can you confirm if your policies cover the following:-

1) Repatriation in an emergency from the ship for a medical emergency if the ship can’t dock and the coast guard is unable to assist. I’m thinking of an emergency helicopter evacuation still in UK waters.

2) Treatment onboard the ship that is required as the NHS can’t be accessed whilst at sea in UK waters.

3) Cancellation cover for the cruise if NHS track and trace tell you to self isolate and therefore can’t go on the cruise.

It seems on the face of it that any treatment in the Home Area is excluded - however I’m guessing a cruise has an endorsement added?

I look forward to hearing from you.

Chat Transferred. Hi, xxxx here!! I'd be happy to assist you further.

All our policies include up to £15 million of cover for on board emergency medical costs including the costs of repatriation (emergency evacuation) where medically necessary. This applies for all cruises including a UK 'Cruise to nowhere'* or a UK 'Coastal Cruise'**
 

All normal cover included in your policy also applies including cover for cancellation, curtailment, baggage and more, please refer to the schedule of benefits and the terms found in your policy wording for further information for your chosen cover level. Please note we also offer an optional 'Cruise Cover' add on which provides additional cover including Unused Excursions cover, Missed Port cover and Confinement To Cabin cover, if you have already purchased your policy and would like to add this cover please visit your Customer Zone to add (subject to terms and additional premium).

A 'Cruise to nowhere' is a cruise that departs from and returns to a UK port without calling at any additional ports. Cover is in force from the time you leave port in the UK to the time you return to port in the UK. This cover stems from the insured person being outside their Home Area while at sea as the territorial waters around the UK do not form part of the Home Area definition within our policy wording.

 

A 'Coastal Cruise' is a cruise that departs from and returns to a UK port stopping at one or more UK ports. Cover is in force while at sea, from the time you leave one port to the time you disembark at the next, limited cover applies while on land in the UK. This cover stems from the insured person being outside their Home Area while at sea as the territorial waters around the UK do not form part of the Home Area definition within our policy wording.

That is helpful thank you. Do you have an answer about cover if you have to self isolate under advise from NHS track & Trace prior to the cruise do you can’t go on it.

Subject to terms and conditions you are covered for cancellation due to self isolation providing that official letter/email can be provided confirming the advise.

Great. You are one of the first companies to provide robust answers to these questions. What you have said clearly is different to the policy document we can view when taking out a policy. Is a policy endorsement issued to confirm what you have said ?

Kindly note that above is listed in your policy wording document attached to welcome email. For any information regarding scenarios covered in terms of COVID-19 please see https://www.coverforyou.com/faqs_travel.php"

Thank you for this. I had also assumed that as my policy’s definition of leaving “Home Area”  just said United Kingdom etc and no mention of the 12 mile limit that we would be covered once leaving shore. 

Edited by Gettingwarmer
Shore not shire
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