Florida Medical & Travel Insurance Info B4 You Go!

FH_Brit

UPDATE - Beware if you have an accident in Disney/Universal/Seaworld etc - some will tell you that they will take care of the bill, GET IT IN WRITTING - and watch out if they send you a cheque that has words like "Full & Final Settlement" on it or the accompanying letter.

You will get more than 1 bill and if they pay you that first bill and you accept the F&F cheque then when the second/thirf/forth etc bill comes, then you accepted that cheque as F&F and they wont pay no more.

IN ANY CASE - with third party claims like these it does not releive you of you responsibility with the hospital/doctors YOU are responsible to pay your medical bills NO ONE ELSE not even insureance companies.

FH_Brit

polly - you say Norwich, I guess you mean Norwich Union? If so my answer is yes and no!

Yes - in my view NU are THE best travel insurance company EVER in THE WHOLE WORLD!

No - I am not a great fan of "Free" policies by banks and credi card companies. They mean that you are often under insured. There should be a link to a website at least that will give you the T&C's if not call the bank or cc company and a copy of the T&C's should be sent to you. If they wont, GET AN ADDITIONAL POLICY before you find ot the hard way.

And remember me when you come over again - I may need a "red cross parcel" Maynards Wine Gums, Rountrees Fruit Pastiles, Ty-phoo Teabags, all donations greatly received!

FH_Brit

Brameldi - Great warning - but I will add......

PEOPLE do NOT buy travel insurance from your travel agent.

You gave me some great info that Asda is Norwich Union - Good for Asda using NU - see above - NU are the best as far as I am concerned.

People - buy Asda Travel Insurance!

Seriously - if you look at it from my point of view - I deal with late payers & bad debt - at the moment AXA (at the last count) owe me over $1.2million and over 400 cases - I do NOT have a single Norwich Union case and in seven years doing this job have only ever had about 12 cases (usually patients fault not NU's that I have the account) this means that NU actually settle their claims before the 140 days after discharge when it becomes bad debt. HUGE PAT ON BAC NORWICH UNION! By the way, Fortis (post office) a close second!

dacouch

FH_Brit wrote: »

UPDATE - Beware if you have an accident in Disney/Universal/Seaworld etc - some will tell you that they will take care of the bill, GET IT IN WRITTING - and watch out if they send you a cheque that has words like "Full & Final Settlement" on it or the accompanying letter.

You will get more than 1 bill and if they pay you that first bill and you accept the F&F cheque then when the second/thirf/forth etc bill comes, then you accepted that cheque as F&F and they wont pay no more.

IN ANY CASE - with third party claims like these it does not releive you of you responsibility with the hospital/doctors YOU are responsible to pay your medical bills NO ONE ELSE not even insureance companies.

Sound like a Mickey Mouse company to me

FH_Brit

DA - Huge groan, stick to insurance, you are much better at that than humour!

pollypenny

FH_Brit wrote: »

polly - you say Norwich, I guess you mean Norwich Union? If so my answer is yes and no!

Yes - in my view NU are THE best travel insurance company EVER in THE WHOLE WORLD!

No - I am not a great fan of "Free" policies by banks and credi card companies. They mean that you are often under insured. There should be a link to a website at least that will give you the T&C's if not call the bank or cc company and a copy of the T&C's should be sent to you. If they wont, GET AN ADDITIONAL POLICY before you find ot the hard way.

And remember me when you come over again - I may need a "red cross parcel" Maynards Wine Gums, Rountrees Fruit Pastiles, Ty-phoo Teabags, all donations greatly received!

Many thanks, FH. Have got the T&C, just wondered about having OH's declared conditions in writing really.

Will add the sweeties to the list. You can share tea bags with DS. No marmite?

Wondering where you live in the sunshine state. DS is a dragon-boater in Tampa. There are a few Brits there.

Pol x

tanty

im in need of advice. booked a trip to WDW in Oct for me and my 12 yr old and looking for travel insurance for her medical conditions. has recently had 3 short hosp admissions for ear infection and vomitimg blood. had CT scan for ear problem nothing nasty found had antibiotics and problem has cleared up saw consultant this wk and has been discharged from ENT Clinic. had a Gastroscopy ( as day patient) begining of May found to have an Ulcer and is taking meds for this. ive rang a few companies on this forum but when i mention what shes had they say they wont cover for either of them and i dont want to risk doing this. any advice would be greatly appreciated. she also has heart murmur but does not have any treatment for this!

FH_Brit

pollypenny wrote: »

Many thanks, FH. Have got the T&C, just wondered about having OH's declared conditions in writing really.

Will add the sweeties to the list. You can share tea bags with DS. No marmite?

Wondering where you live in the sunshine state. DS is a dragon-boater in Tampa. There are a few Brits there.

Pol x

I am in Apopka - about 8/10 miles NW of Orlando. Just got back from Blighty, filled up with goodies now - it'll last alittle while!

FH_Brit

Tanty - First of all - ask your doctor(s) if it is ok for your 12 yr old to travel, no matter what, IC's will not pay anything if anyone is not mdically safe to travel. Once your doctor states it's safe you will be able o shop around. Do not use the internet (apart from finding companies) you need to call them and ask, the website may say this is not covered but that is probably on a standard policy, if you ask them they can add alost anything to a policy, the only problem is at what cost!!!
See MSE Martin's insurance pages - there are some good companies that deal with pre-exist medical conditions (PEMC's) and ask those if you cannot find anything.
At very least, an insurer would cover you with an erxclusion to your childs PEMC's so at least you'd be covered for any non-related injury or illness.

lex

Hello,
Wonder if you can help?
Am looking at insurance for a 2 week holiday to Florida - am happy to buy an annual policy if it isn't much more, but am concerned about cover levels.
The issue I have is with personal possessions. I don't have a lot of high value possessions I would take at all but I do want to take my digital SLR. Together with the SLR I have 3 lenses. Am I right in thinking that this counts as a "set" and so therefore the whole lot falls under the valuable item limit of total £300?

I've had a look at the following policies
Aviva policy (cost £100), valuable item limit £400
Post Office (cost £114), valuable item limit £300
Direct Travel Insurance Platinum - (cost £71), valuable item limit £500
TravelInsuranceweb - (cost £34 via Quidco), valuable item limit £250

I think the value of the camera would not be covered by any of those policies - is that normal? Do normal people just not take cameras on holiday?
Also the price of those policies varies greatly.The other items that are covered all seem fairly similar (medical, legal and personal liability)...why would I not go for the cheapest?

Many thanks for any advice you can offer.
lex