Protect your bubble... Not!

glennh

Just thought I'd let people know about my experience with travel insurance bought through Protect your bubble. Think it's Rock Insurance.

I got a policy through them and tried declaring my medical conditions. Unfortunatly because I wasn't given a formal diagnosis by the GP, just a spray for the symptoms, I've been told they won't cover me medically at all for anything!! I could understand not covering me for anything related to my GP appointment but anything at all!?

They are giving me a refund though.

InsideInsurance

Insurers dont like uncertainty and whilst you may have gone in with shoulder pain it could be a problem with your shoulder or your heart or a host of other things (obv dont know your condition but this is an easy example)

glennh

I understand that and would agree, all other insurance I've come accross says they will not cover you for things related to you're 'shoulder injury', not that they won't cover you for anything medical at all.

They're basically saying we won't give you insurance, as I wouldn't be able to claim if say I crashed my rental car out there and had to go to hospital to have my leg pinned or something.

InsideInsurance

It really depends on what it is to a large degree and the type of organisation it is for an even larger thing.

If you say you've fallen down the stairs and hurt your shoulder thats one thing and probably acceptable because its fairly evidently a shoulder injury whereas you simply getting random/ mystery pains in your shoulder with no identified cause then many more will want to avoid it because it could be "anything" and so excluding it is very difficult - eg could be a heart issue or cancer or such.

It wouldnt be good service holding up an emergency triple heart bypass in the US because they'd excluded anything to do with the "shoulder pains" and you collapse on the street with a heart attack. Not sure you'd have the £100,000 or so the US clinic would want either for you to pay first and argue with your insurers if it was related or not afterwards.

Some insurers are cheap and cheerful and so only want simple straightforward cases. Others are more willing to take on complex cases but their prices normally reflect the need to have more expert staff, more flexible systems and the additional controls and wider overheads that these all create.