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sinbad10

Cruise Travel insurance

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I've used 'Just travel' insurance based in Sunderland for the last few years. Offering various levels of cruise cover. I renewed mine this morning, the policy I have chosen is underwritten by Lloyds.

www.justtravelcover.com

Tel: 08009882830 

 

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At the moment we are with Mark's & Spencer  Travel insurance (Axa) But they are changing to another company,and I will what they come up with in Sept.

My thoughts at the moment are to try a Comparison web site and see what they come up with.

If you have a particular health issue ask your clinic nurses they may know of a company who can insure you....Davybe

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1 hour ago, Davybe said:

At the moment we are with Mark's & Spencer  Travel insurance (Axa) But they are changing to another company,and I will what they come up with in Sept.

My thoughts at the moment are to try a Comparison web site and see what they come up with.

If you have a particular health issue ask your clinic nurses they may know of a company who can insure you....Davybe

Yes M&S have changed to Aviva and they are the company which have increased mine by over 66% for renewal in September.

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1 hour ago, Davybe said:

At the moment we are with Mark's & Spencer  Travel insurance (Axa) But they are changing to another company,and I will what they come up with in Sept.

My thoughts at the moment are to try a Comparison web site and see what they come up with.

If you have a particular health issue ask your clinic nurses they may know of a company who can insure you....Davybe

Not to worry you as everybodys insurance is different but after receiving renewal with Aviva which like I said has increased 66% got an online quote from M&S(Aviva) and it was a further £130 dearer on top.

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We use Annualtravelinsurance.com. I pay for extras such as cruise cover and taking my photography gear with me and pay little more than your rise in premiums Sinbad for the two of us. No pre-existing conditions help although we just declared one and were supplemented £30 if we wanted cover. We decided just not to cover it as it is a non-urgent issue that the NHS has deemed not worthy of listing for an operation for over a year now and medical advice was that i wouldn`t worsen or become urgent on any holiday.

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i used the various comparison sites and then went direct as well. it was worth the effort i saved £40 on an annual policy that allows unlimited trips up to 30 days. been on 3 cruises this year.

due renewal shortly octish may have more problems this time as i had a heart attack in may.

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14 hours ago, sinbad10 said:

Not to worry you as everybodys insurance is different but after receiving renewal with Aviva which like I said has increased 66% got an online quote from M&S(Aviva) and it was a further £130 dearer on top.

OMG Looks like we will be changing insurers, How on earth they arrive at these price rises is beyond me....Davybe

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As I have said before We use Staysure, other have said they did not like them, but for us with my husbands medical 

condition and giving the offer code from the national newspaper printed most Saturdays or Sundays.

they have cruise insurance with three different levels.

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13 minutes ago, Jenjen said:

As I have said before We use Staysure, other have said they did not like them, but for us with my husbands medical 

condition and giving the offer code from the national newspaper printed most Saturdays or Sundays.

they have cruise insurance with three different levels.

Last year we had quotes from Staysure and lots of others, but all of them were way higher than I can get via my old employer's staff and pensioners insurance.  In fact I think it was Staysure that offered us the best price deal of the others, unfortunately only if  my wife's pre-existing conditions were not covered, which seemed to us about as useful as a chocolate fireguard. 

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We have used Holiday Extras for the last few years ( recommended not only by Bolsover but also P&O and Cunard ) obviously you only find out how good insurance is if you have to claim and initially I had a few a few concerns as their quote was much less than M&S/Saga were quoting but I felt quite happy once I had spoken to one of their consultants re the medical questionnaire especially as various other insurance companies wouldn't even consider an annual policy and here they were offering cover at the same price for annual cover I had been quoted for a single policy .. the only clause is if after taking out the annual policy if your medical situation should change that you contact them 'to discuss' personally I think that is fair comment ( not all policies require this especially if it is a new medical condition which was not known about prior  to commencement ) from a personal point of view regardless of it being a condition of the policy I would notify them anyway as it is far more important to us to ensure we have adequate cover to match our needs.

TBH our premiums are quite 'eye watering' but we are not prepared to give up on our travels just yet so just build it into our budget and then forget about it.

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2 hours ago, *Dancing Queen* said:

We have used Holiday Extras for the last few years ( recommended not only by Bolsover but also P&O and Cunard ) obviously you only find out how good insurance is if you have to claim and initially I had a few a few concerns as their quote was much less than M&S/Saga were quoting but I felt quite happy once I had spoken to one of their consultants re the medical questionnaire especially as various other insurance companies wouldn't even consider an annual policy and here they were offering cover at the same price for annual cover I had been quoted for a single policy .. the only clause is if after taking out the annual policy if your medical situation should change that you contact them 'to discuss' personally I think that is fair comment ( not all policies require this especially if it is a new medical condition which was not known about prior  to commencement ) from a personal point of view regardless of it being a condition of the policy I would notify them anyway as it is far more important to us to ensure we have adequate cover to match our needs.

TBH our premiums are quite 'eye watering' but we are not prepared to give up on our travels just yet so just build it into our budget and then forget about it.

Holiday Extras are recommended by a lot of holiday companies and TAs because they get commission on sales.

 

 

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ive been looking at a few companies as my annual policy which i paid £90 ish for last year is due to expire before i go away in oct. being the honest person i am i have declared my may heart attack and the stent they fitted. i have been discharged by my specialist and basically he says i am fixed and the scans show my heart functioning very well and says i shouldnt have any further issues.

now early quotes are scary, the lowest so far has increased to £480. some have been over £1000. now wheres the logic? the specialist says the odds of a reaccurence are very low as the issue was caused by a medication i was taking for osteo arthiritis in my knees rather than a genetic or lifestyle issue. needless to say medication changed.

i appreciate the need for insurance and will at the end of the day have to bite the bullet but i can see why some risk it and go without.

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Just been trying to get quotes using a Comparison web site , Prices vary from a reasonable £500 to over £1500 for similar cover?

some companies would not take us on at all.

Think I may open a Nationwide account and pay for an account that provides travel insurance .....Davybe

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3 hours ago, Davybe said:

Just been trying to get quotes using a Comparison web site , Prices vary from a reasonable £500 to over £1500 for similar cover?

some companies would not take us on at all.

Think I may open a Nationwide account and pay for an account that provides travel insurance .....Davybe

We considered opening a packaged current account with Nationwide in the past. There is now only one account that includes travel insurance FlexiPlus and can be cost effective if you have no medical issues and under 75 as it only costs £13 per month. Problem is even though we are both well under 75 have minor common for age  health issues they will not tell you whether your pre medical conditions would be covered in policy or if not at what cost extra until after you have opened an account. Also if aged over 75 there is extra cost on top also.

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4 hours ago, mitch said:

ive been looking at a few companies as my annual policy which i paid £90 ish for last year is due to expire before i go away in oct. being the honest person i am i have declared my may heart attack and the stent they fitted. i have been discharged by my specialist and basically he says i am fixed and the scans show my heart functioning very well and says i shouldnt have any further issues.

now early quotes are scary, the lowest so far has increased to £480. some have been over £1000. now wheres the logic? the specialist says the odds of a reaccurence are very low as the issue was caused by a medication i was taking for osteo arthiritis in my knees rather than a genetic or lifestyle issue. needless to say medication changed.

i appreciate the need for insurance and will at the end of the day have to bite the bullet but i can see why some risk it and go without.

Unfortunately Mitch anything heart related will carry a high premium and regardless of what the Consultant says the insurance companies do not share their views, they may have fixed the problem and there may well never be any further issues but it will always be classed as a pre-existing illness and considered high risk.

I personally can't see why anyone would 'risk it' and not be fully insured and I'm sure it happens, we no longer cruise further than Europe as the last Worldwide quote I had for my husband was £3000 + .. If I had a quote for £480 I would be ecstatic ( assuming that is for Worldwide ) 

Just a tip someone gave me it's always worth taking out European cover only and if you then want to go further afield ask the insurers to quote you as an 'add on' for one trip only.  

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19 hours ago, sinbad10 said:

Holiday Extras are recommended by a lot of holiday companies and TAs because they get commission on sales.

 

 

I'm sure they are just as Building Societies, Car Dealers etc do, I can only speak as I have found and I am more than happy with the cover offered.

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19 hours ago, sinbad10 said:

We considered opening a packaged current account with Nationwide in the past. There is now only one account that includes travel insurance FlexiPlus and can be cost effective if you have no medical issues and under 75 as it only costs £13 per month. Problem is even though we are both well under 75 have minor common for age  health issues they will not tell you whether your pre medical conditions would be covered in policy or if not at what cost extra until after you have opened an account. Also if aged over 75 there is extra cost on top also.

Hi Sinbad.

I have a friend well over80 and both have health issues, they pay £50 each for the cover on top of the monthly premium ,and found Nationwide paid up no problems when she was unable to travel.

Have anyone on here got this policy and can advise us on what's included....Davybe

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2 hours ago, Davybe said:

Hi Sinbad.

I have a friend well over80 and both have health issues, they pay £50 each for the cover on top of the monthly premium ,and found Nationwide paid up no problems when she was unable to travel.

Have anyone on here got this policy and can advise us on what's included....Davybe

Gives you a full policy document and cover and details on their website. Also if you have a pre existing medical condition and you want to know how much extra you would be charged ring 0800 0510164.

Edited by sinbad10

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