cost of travel insurance??
Options
homealone_2
Posts: 2,004 Forumite
i got annual multi trip worldwide insurance with a pre-existing illnes for £43.90 through flexicover. the same company are asking for £111.90 this year!! one company wanted £399.89. why have the prices risen so much this year! i wouldnt mind but whatever policy you get the minute you try and make a claim they find some way of worming out of it. last year my bas got lost somewhere between placing at the check in to it not being on the carusel at destination. when it finally turned up at hotel 3 days later a lot of electrical bits were missing, perfume, new clothes. when i tried to put claim in when i got home they said baggage was not covered while it was out of my sight. i couldnt believe it!! now just because i have had a failed back surgery i am expected to pay hundreds more than an able bodied traveller, that has to be discrimination? if i were to have some problem with my back and needed to be seen in a foreign country would it cost more than a fellow traveller hurting their back and needinf treatment, its made me so mad!!!
0
Comments
-
Where you baggage was concerned , you could have claimed from the airline you used as it was their fault it was damaged/lost in their care.
If you have had the back surgery since your last policy then naturally it has risen as they have assessed your possibility of a claim as being higher. On top of that, as with everything else these days, the price of insurance has risen due to the millions claimed with the weather problems last year.
I know it does seem unfair but I think the price quoted doesnt sound that bad considering your problem. My parents were quoted similar for single trip because of blood pressure (controlled) and asthma0 -
simpywimpy wrote: »Where you baggage was concerned , you could have claimed from the airline you used as it was their fault it was damaged/lost in their care.
If you have had the back surgery since your last policy then naturally it has risen as they have assessed your possibility of a claim as being higher. On top of that, as with everything else these days, the price of insurance has risen due to the millions claimed with the weather problems last year.
I know it does seem unfair but I think the price quoted doesnt sound that bad considering your problem. My parents were quoted similar for single trip because of blood pressure (controlled) and asthma
i tried the airline but they said as i had already placed a claim through my travel insurance it was too late, i was only allowed one claim whatever the outcome was
the back surgery was nov 2004 but each question was in the last 5 years so i had to tick yes to all of it physio etc0 -
We get our travel insurance free with our Alliance & Leicester Bank account,, the account is free to operate, You'll need to pay in at least £500 every month.
It has a simple declaration for pre existing conditions
Part 1 must be agreed by you and anyone named on your
insurance schedule.
Part 2 applies to
a. anyone travelling with you who is not named on
your insurance schedule and
b. immediate relatives, close business
associates or anyone else whose health may
affect the trip.
Part 1
As far as I know, the following applies to me and anyone named
on the insurance schedule
a. Nobody is waiting for an operation, hospital consultation
(other than for regular check ups), or other hospital
treatment or investigations.
b. Nobody has ever received treatment for any of the following;
• a stroke;
• any heart problem;
• any form of cancer, leukaemia, or tumour;
• dialysis treatment; or
• a transplant
c. Nobody has received treatment, other than regular
medication, in the last 12 months for any blood disorder,
breathing problem, diabetes, psychiatric illness or dementia.
(NB supplementary oxygen is not considered as regular
medication).
d. Nobody has, within the last three months
• been seen by a specialist (other than for regular check
ups at intervals of six months or greater) or
• been admitted to a hospital overnight.
e. Nobody has been diagnosed by a registered doctor as
having a terminal condition.
Part 2
If, when this insurance starts (or booking a trip if this was later)
your immediate relatives, close business associates or
anyone else whose health may affect the trip had a medical
condition for which he or she:
• was receiving treatment at hospital;
• was waiting for a hospital consultation or treatment;
• had been given a terminal prognosis, or been told that their
condition is likely to get worse in the next 12 months;
we will not pay for any claim you make which has anything to
do with the medical condition of that immediate relative or
close business associate.
Policy
It only covers Europe but you can upgrade to family and world wide, last year both upgrades cost a total of £88 last yearLife is not all about money - we just believe so :hello:0 -
how long ago was the baggage claim? Perhaps you were out of time when you went back to the airline. I think there is a time limit on making the complaint0
-
simpywimpy wrote: »how long ago was the baggage claim? Perhaps you were out of time when you went back to the airline. I think there is a time limit on making the complaint
travel company took two weeks to say not our problem and then tried airline. but hey ho onward and upward0 -
We get our travel insurance free with our Alliance & Leicester Bank account,, the account is free to operate, You'll need to pay in at least £500 every month.
It has a simple declaration for pre existing conditions
Part 1 must be agreed by you and anyone named on your
insurance schedule.
Part 2 applies to
a. anyone travelling with you who is not named on
your insurance schedule and
b. immediate relatives, close business
associates or anyone else whose health may
affect the trip.
Part 1
As far as I know, the following applies to me and anyone named
on the insurance schedule
a. Nobody is waiting for an operation, hospital consultation
(other than for regular check ups), or other hospital
treatment or investigations.
b. Nobody has ever received treatment for any of the following;
• a stroke;
• any heart problem;
• any form of cancer, leukaemia, or tumour;
• dialysis treatment; or
• a transplant
c. Nobody has received treatment, other than regular
medication, in the last 12 months for any blood disorder,
breathing problem, diabetes, psychiatric illness or dementia.
(NB supplementary oxygen is not considered as regular
medication).
d. Nobody has, within the last three months
• been seen by a specialist (other than for regular check
ups at intervals of six months or greater) or
• been admitted to a hospital overnight.
e. Nobody has been diagnosed by a registered doctor as
having a terminal condition.
Part 2
If, when this insurance starts (or booking a trip if this was later)
your immediate relatives, close business associates or
anyone else whose health may affect the trip had a medical
condition for which he or she:
• was receiving treatment at hospital;
• was waiting for a hospital consultation or treatment;
• had been given a terminal prognosis, or been told that their
condition is likely to get worse in the next 12 months;
we will not pay for any claim you make which has anything to
do with the medical condition of that immediate relative or
close business associate.
Policy
It only covers Europe but you can upgrade to family and world wide, last year both upgrades cost a total of £88 last year
thanks but need it tomorrow0
This discussion has been closed.
Categories
- All Categories
- 343.2K Banking & Borrowing
- 250.1K Reduce Debt & Boost Income
- 449.7K Spending & Discounts
- 235.3K Work, Benefits & Business
- 608.1K Mortgages, Homes & Bills
- 173.1K Life & Family
- 247.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 15.9K Discuss & Feedback
- 15.1K Coronavirus Support Boards