travel insurance
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Topic author - Able Seaman
- Posts: 2
- Joined: September 2018
travel insurance
We are booked on Arcadia for the circumnavation of the world in leaving on Jan 6th
Have just got a quote from Holiday Extra and would you believe its Seven Thousand pounds!!
We have just reached our 70th birthday and have the normal ailments blood pressure, cholestrerol
and diabetes we expected an increase from the long cruise we took 2 years ago but this is mind blowing
Just got quote from Stay Sure Two Thousand pounds what a difference
Have just got a quote from Holiday Extra and would you believe its Seven Thousand pounds!!
We have just reached our 70th birthday and have the normal ailments blood pressure, cholestrerol
and diabetes we expected an increase from the long cruise we took 2 years ago but this is mind blowing
Just got quote from Stay Sure Two Thousand pounds what a difference
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- Captain
- Posts: 11350
- Joined: January 2013
Re: travel insurance
Hi Susanh.....It pays to shop around.......well done!susanh wrote: ↑23 Sep 2018, 13:32We are booked on Arcadia for the circumnavation of the world in leaving on Jan 6th
Have just got a quote from Holiday Extra and would you believe its Seven Thousand pounds!!
We have just reached our 70th birthday and have the normal ailments blood pressure, cholestrerol
and diabetes we expected an increase from the long cruise we took 2 years ago but this is mind blowing
Just got quote from Stay Sure Two Thousand pounds what a difference
l'm sure there will be more advise on good reasonable priced travel insurance coming along shortly.....btw, as you are new to the forum you may not have heard of the onelife cruise appeal
So thank you in anticipation
Regards
keith
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- Deputy Captain
- Posts: 5608
- Joined: March 2013
- Location: Instow Devon
Re: travel insurance
I use a company called Cedar Tree. It's worth getting a quote form them to compare.
Welcome by the way
Welcome by the way
Empty vessels .. and all that
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- Commodore
- Posts: 15969
- Joined: January 2013
- Location: Down Souf. The civilised end of the country :)
Re: travel insurance
susanh wrote: ↑23 Sep 2018, 13:32We are booked on Arcadia for the circumnavation of the world in leaving on Jan 6th
Have just got a quote from Holiday Extra and would you believe its Seven Thousand pounds!!
We have just reached our 70th birthday and have the normal ailments blood pressure, cholestrerol
and diabetes we expected an increase from the long cruise we took 2 years ago but this is mind blowing
Just got quote from Stay Sure Two Thousand pounds what a difference
Welcome to the forum susanh.
I don't know about insurance, that's the price of a cruise to me
We currently use 'Insure and Go'.
Last edited by Stephen on 23 Sep 2018, 17:10, edited 1 time in total.
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- Commodore
- Posts: 15328
- Joined: February 2013
Re: travel insurance
I've seen Stay Sure recommended before for those of us a little past middle age with any pre-existing conditions. Certainly blood pressure is one that insurers get twitchy about because of the increased risk of more serious things that can get very expensive if you're the other side of the world.
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- First Officer
- Posts: 1835
- Joined: February 2013
- Location: Gower, Swansea
Re: travel insurance
I can recommend world first and insurewith for medical conditions.
Not sure about a world cruise cover though.
Not sure about a world cruise cover though.
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- Site Admin
- Posts: 9428
- Joined: January 2012
- Location: Lancashire
Re: travel insurance
One of the problems with most travel insurance policies is that they have a limit on the number of consecutive days that you can be away - and most come nowhere near what you need for a World Cruise.
Whilst talking about World Cruise insurance don't forget that your house insurance probably has a limit on the number of days that it can be left unoccupied.
Whilst talking about World Cruise insurance don't forget that your house insurance probably has a limit on the number of days that it can be left unoccupied.
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- Commodore
- Posts: 15969
- Joined: January 2013
- Location: Down Souf. The civilised end of the country :)
Re: travel insurance
I'm available for house sitting, I don't come cheap though.
Last edited by Stephen on 23 Sep 2018, 18:03, edited 1 time in total.
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- Captain
- Posts: 11350
- Joined: January 2013
Re: travel insurance
If she leaves me the keys to her house....and safe l'll take care of it for a few months
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- Third Officer
- Posts: 191
- Joined: March 2013
- Location: Wirral
Re: travel insurance
It is also worth checking when you get a quote that you have cruise cover. We had annual Insure & Go cover renewed over the phone no problem. Tried to make a claim and they said "ah you haven't got cruise cover" we complained that no one had told us on the phone renewal that they had added cruise cover, to no avail.
However, tongue in cheek I asked about the separate new policy I had taken out some months previously for the World cruise we were doing next month "that has got cruise cover I assume" and no it didn't! Despite the agent being fully aware what it was for & spending a good 45 minutes on the phone with them discussing it, we hadn't asked for cruise cover we didn't know they had added so we didn't have it!!
However, tongue in cheek I asked about the separate new policy I had taken out some months previously for the World cruise we were doing next month "that has got cruise cover I assume" and no it didn't! Despite the agent being fully aware what it was for & spending a good 45 minutes on the phone with them discussing it, we hadn't asked for cruise cover we didn't know they had added so we didn't have it!!
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- First Officer
- Posts: 1859
- Joined: January 2013
- Location: Hampshire
Re: travel insurance
The other thing to make sure is that, in the event you have to cancel once you have paid the final balance, the insurance covers the total cost of the cruise. Some insurance companies will only cover you for £5k to £10k and depending on the grade of cabin you have chosen your total could be much higher. We had this problem when we booked the 65 night cruise on Aurora earlier this year. Holiday Extras and the company they referred us to was the only one I could find that covered us for the total outlay. In the event we didn't have to claim but, in the past, having broken my ankle two weeks before we were due to go on a Cunard cruise, albeit a short one, we had to cancel we weren't taking any chances.Cunard wouldn't let me transfer to a cruise the following year as it was too close to the sail date so we had to claim on our insurance - I think it was Saga at that time. We got everything back including our car parking charge with CPS. So just check that whichever company you chose to go with will cover you in the event of a cancellation by you.
Carole
Carole
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- Commodore
- Posts: 15969
- Joined: January 2013
- Location: Down Souf. The civilised end of the country :)
Re: travel insurance
Easier and cheaper to just stay at home and holiday in the UK.
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- Second Officer
- Posts: 271
- Joined: January 2013
Re: travel insurance
previously we have always used insure to cruise. usual health questions are asked. but I have not had the fortune to try for world cruise cover yet!. I hope you enjoy your fabulous trip around the world.
regards gilly.
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- Able Seaman
- Posts: 16
- Joined: January 2013
Re: travel insurance
I've just started trying to get insurance for 56 days on Aurora in January and so far Holiday Extras are the only ones who will cover the full cancellation at a cost of £3,035!
Whilst recovering from the shock I tried my usual insurers Insure and Go and Staysure but they will only offer cover of £5000.
I'm probably going to have to bite the bullet and go with it.
Jan
Whilst recovering from the shock I tried my usual insurers Insure and Go and Staysure but they will only offer cover of £5000.
I'm probably going to have to bite the bullet and go with it.
Jan
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Topic author - Able Seaman
- Posts: 2
- Joined: September 2018
Re: travel insurance
Thanks for your advice on travel insurance
I have just got back from a short break so will restart my search next week
Will let you know the outcome
SusanH
I have just got back from a short break so will restart my search next week
Will let you know the outcome
SusanH
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- Deputy Captain
- Posts: 8964
- Joined: January 2013
- Location: Huddersfield
Re: travel insurance
Just had our renewal from the broker for the next 12 months, and this will be the last year we can have an annual policy with the current insurer, so I was checking with the broker what it might cost me in future for individual cruise cover.
However he advised they should be able to continue offering annual cover via a new insurer, to them, so he worked out some guide costs for both single trip and annual cover, and amazingly the cost for a single trip would be higher for both Europe and Worldwide cover, and their premium cover which is only 15% higher will cover trips up to 45 days, as opposed to our current 31 days, which would enable us to still do some longer round trip Caribbean cruises, the downside is it could cost £2500.
However he advised they should be able to continue offering annual cover via a new insurer, to them, so he worked out some guide costs for both single trip and annual cover, and amazingly the cost for a single trip would be higher for both Europe and Worldwide cover, and their premium cover which is only 15% higher will cover trips up to 45 days, as opposed to our current 31 days, which would enable us to still do some longer round trip Caribbean cruises, the downside is it could cost £2500.
John
Trainee Pensioner since 2000
Trainee Pensioner since 2000
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- Commodore
- Posts: 15969
- Joined: January 2013
- Location: Down Souf. The civilised end of the country :)
Re: travel insurance
Crazy money. These insurance companies have got you over a barrel.
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- Senior First Officer
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- First Officer
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- Deputy Captain
- Posts: 8964
- Joined: January 2013
- Location: Huddersfield
Re: travel insurance
A quick clarification of our situation, the next 12 month period before we hit 75 should be OK for worldwide cover at approx. £600 annual cover for both of us, with our current pre-existing conditions,but only up to 31 days maximum trip.
Next year the new insurer, on today's rates, could be about 25% cheaper for European cover, but approx £2200 for 31 days and £2500 for 45 days.
So unlikely to stop us cruising, but next January's Caribbean round trip might be our last.
Next year the new insurer, on today's rates, could be about 25% cheaper for European cover, but approx £2200 for 31 days and £2500 for 45 days.
So unlikely to stop us cruising, but next January's Caribbean round trip might be our last.
John
Trainee Pensioner since 2000
Trainee Pensioner since 2000
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- Able Seaman
- Posts: 16
- Joined: January 2013
Re: travel insurance
For some reason I had to pay a very large deposit of over £2,300 for this cruise so I'm caught between a rock and a hard place really.It's my treat for my 70th birthday.
But if I'm still around in 10 years time it will probably have to be Clacton.
Jan
But if I'm still around in 10 years time it will probably have to be Clacton.
Jan
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- Commodore
- Posts: 15969
- Joined: January 2013
- Location: Down Souf. The civilised end of the country :)
Re: travel insurance
Frinton has a better beach JanSouthern Belle wrote: ↑02 Oct 2018, 16:40For some reason I had to pay a very large deposit of over £2,300 for this cruise so I'm caught between a rock and a hard place really.It's my treat for my 70th birthday.
But if I'm still around in 10 years time it will probably have to be Clacton.
Jan
Last edited by Stephen on 02 Oct 2018, 16:47, edited 1 time in total.
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- Able Seaman
- Posts: 16
- Joined: January 2013
Re: travel insurance
Thanks Stephen I'll bear that in mind lol.Stephen wrote: ↑02 Oct 2018, 16:47Frinton has a better beach JanSouthern Belle wrote: ↑02 Oct 2018, 16:40For some reason I had to pay a very large deposit of over £2,300 for this cruise so I'm caught between a rock and a hard place really.It's my treat for my 70th birthday.
But if I'm still around in 10 years time it will probably have to be Clacton.
Jan
Jan