Travel Insurance

_Andy_

Right...but your opening post asks questions specific to your policy - which you could answer in one simple phone call to the provider.

japlah

japlah wrote: »

Travel Insurance:

Just purchased an on-line travel insurance policy, which after checking 8 other companies with similar products, allowing and matching the same pre-existing medical conditions, gave a premium at less than half the others. :j

Can I expect that price to be honored ? The 14 day cooling off period is available to both parties of such contracts ?

I now have an email confirming the policy, its details, copies of the supporting documents, confirmation of payment

by debit card and its acceptance.

Albeit the holiday does not start until the 6th of June 2013 (18days cover) is this holiday now protected by such insurance ?


Any comments ?
John

Thanks I did. The low price proved to be a "slight of hand" by the insurers. They buried the fact that not all the medical conditions were being covered. This fact, primary to the inquiry, was neither indicated on the screen quoted price nor the confirmation of payment. Policy now cancelled but hence interest to involve the GP or Hospital. Their presence in the chain would discourage such lack of essential clarity.

japlah

_Andy_ wrote: »

Right...but your opening post asks questions specific to your policy - which you could answer in one simple phone call to the provider.

Sorry to disagree but it does not. For very routine simple conditions such as a broken leg the system may work. These insurers are not geared up to go off script or indulge in judgement beyond what the underwriters have deemed which in my experience revolves around getting a yes or a no. Scale seems to be absent !

japlah

mayfair1985 wrote: »

OT but I had to chip in:

''Insurers should always check details with your GP?''

:rotfl:

I don't know about everyone else but my GP barley has time to see me for an appointment once a year. Of course they have time to do your medical screenings on your travel insurance.

And the insurers would have to speak to the client to obtain information and then the GP to confirm. Your insurance policy couldn't be issued until your GP has confirmed your details. Double the work for the insurance company = a raise on your premium. Good idea?

Most insurers require you to confirm that your vacation is not contrary to medical advice with default conditions that send you to jail if you fail to answer this truthfully. Anyway such confirmation by a doctor or consultant probably reflects that he/she has already done most of the work involved.

japlah

InsideInsurance wrote: »

As long as you have answered all questions honestly and openly and any assumptions you agreed to were correct then yes.

Policies can vary massively so it is certainly worth checking that this one isnt half the price because it only provides a quarter of the cover but assuming you've already done that then you should be fine.

Ultimately insurers all have their own experiences and experts and even if you have two identical coverages you wont necessary get the same price because A may have had very bad experiences with people with your condition and B may have had good experiences and believes new treatments give much better results etc.

When I was getting quotes for Income Protection last year with pre-existing conditions, 60% of insurers declined me, 3 quoted around £250 a month and one quoted £110 after further discussions. All had almost the same wording

Ironic. My answers and declarations were honest and complete so I was suprised to find they managed to obscure what they were offering

japlah

mayfair1985 wrote: »

True! Who would foot the cost or a pre purchase report though? Client or Insurer?

We have home reports, DVLA Mot's, Gas safety Certificates and so on.... lets have non mandatory annual health MOT's, from an accredited and qualified source which you can choose to show or not.

japlah

opinions4u wrote: »

Thank you for coming up with the most complicated poll ever seen on MSE.

That is some achievement!

I write from Scotland ! We heathens no a thing or too about polls..ehh Jimmy !