Travel Insurance - Revisited
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Topic author - Site Admin
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Travel Insurance - Revisited
After my minor incident in September I had to follow it up with my GP. The outcome is that I have a very mild heart defect that requires no treatment, no medication and no follow up. In other words I am basically 99% OK.
So being the honest soul that I am I phoned the travel insurance to declare this condition as we have an annual policy and we are cruising in March - the policy has about three months still to go before renewal. So I answer all the questions and he says that there will be an additional premium to pay (which I was expecting) of £800+ (which I was not expecting). Needless to say I told him what to do with his policy - went online and found a single trip policy with all medical conditions accepted for just over £100.
Are these insurance companies trying to rip me off - no don't answer that!
So being the honest soul that I am I phoned the travel insurance to declare this condition as we have an annual policy and we are cruising in March - the policy has about three months still to go before renewal. So I answer all the questions and he says that there will be an additional premium to pay (which I was expecting) of £800+ (which I was not expecting). Needless to say I told him what to do with his policy - went online and found a single trip policy with all medical conditions accepted for just over £100.
Are these insurance companies trying to rip me off - no don't answer that!
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- Ex Team Member
- Posts: 11348
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- Location: Cumbria
Re: Travel Insurance - Revisited
I think so David. I have insurance via a bank account. When I was diagnosed with heart problems last year I reported them to my insurer and had a surcharge of £100 for the year's cover. I reported that I had had open heart surgery but the £100 still covered me so not as bad as I had anticipated. It may be time to have a hunt around.
You didn't tell them you knew Mob, Stephen and OL did you?
You didn't tell them you knew Mob, Stephen and OL did you?
Last edited by oldbluefox on 10 Jan 2019, 12:07, edited 1 time in total.
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- Ex Team Member
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- Location: Dorset
Re: Travel Insurance - Revisited
Have Stephen and OL had heart conditions ?
Maybe we could get a group policy …. just saying
Maybe we could get a group policy …. just saying
Keep smiling, it's good for your well being
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- Commodore
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Re: Travel Insurance - Revisited
Manoverboard wrote: ↑10 Jan 2019, 12:11Have Stephen and OL had heart conditions ?
Maybe we could get a group policy …. just saying
I have one every time I look in my wallet.
I do wonder how some of these insurance companies stay in business with they're extortionate pricing. Like David said you do the right thing and declare everything and they still try and rip you off.
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- Commodore
- Posts: 15980
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- Location: Down Souf. The civilised end of the country :)
Re: Travel Insurance - Revisited
Our annual travel insure is also due soon so I'll be in for another grilling over the phone and no doubt have to stump up some sort of additional premium. But I always shop around first, as you do.Stephen wrote: ↑10 Jan 2019, 12:46Manoverboard wrote: ↑10 Jan 2019, 12:11Have Stephen and OL had heart conditions ?
Maybe we could get a group policy …. just saying
I have one every time I look in my wallet.
I do wonder how some of these insurance companies stay in business with they're extortionate pricing. Like David said you do the right thing and declare everything and they still try and rip you off.
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- Senior First Officer
- Posts: 3364
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- Location: Gower Peninsula, South Wales
Re: Travel Insurance - Revisited
I was diagnosed with a heart electrical conduction anomaly about 15 months ago, and our bank refused to cover me as they had the previous 20+ years. I found Saga to be good, though not cheap, and used them, however after a year of no symptoms, the bank accepted me once again, so back to free insurance once more
Gill
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- First Officer
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- Location: Gower, Swansea
Re: Travel Insurance - Revisited
Heart conditions and cancer are the worst things for travel insurance.
Over the past few years I paid a small fortune in Iimsurwnce to enable me to cruise.
My choice to cruise but as my consultant said that chances of me being taken ill due to cancer whilst on holiday is extremely small compared to a heart condition.
Still the good news is now that I still declare it but did not get charged for it.
I had a health scare in December as I was recalled from a routine scan, it turned out fine in the end, but I was worried sick whilst s whilst waiting to be seen again.
I do keep to world first or insurewith as they offer good policies which are more tailored than some other companies.
Lindsey
Over the past few years I paid a small fortune in Iimsurwnce to enable me to cruise.
My choice to cruise but as my consultant said that chances of me being taken ill due to cancer whilst on holiday is extremely small compared to a heart condition.
Still the good news is now that I still declare it but did not get charged for it.
I had a health scare in December as I was recalled from a routine scan, it turned out fine in the end, but I was worried sick whilst s whilst waiting to be seen again.
I do keep to world first or insurewith as they offer good policies which are more tailored than some other companies.
Lindsey
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- Ex Team Member
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- Location: Dorset
Re: Travel Insurance - Revisited
It is not possible, for me, to connect securely with this Company …. are they still trading do you happen to know ?
Keep smiling, it's good for your well being
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- Able Seaman
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Re: Travel Insurance - Revisited
It is insurancewith not insurewith. Yes they are still there. Hope this helps.
Val
Val
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- Ex Team Member
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- Location: Dorset
Re: Travel Insurance - Revisited
I am unable to connect securely to ' insurancewith ' either … message displayed is ;
" Can’t connect securely to this page
This might be because the site uses outdated or unsafe TLS security settings. If this keeps happening, try contacting the website’s owner.
Your TLS security settings aren’t set to the defaults, which could also be causing this error. "
Do you have their phone number, please ?
" Can’t connect securely to this page
This might be because the site uses outdated or unsafe TLS security settings. If this keeps happening, try contacting the website’s owner.
Your TLS security settings aren’t set to the defaults, which could also be causing this error. "
Do you have their phone number, please ?
Keep smiling, it's good for your well being
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- First Officer
- Posts: 1838
- Joined: February 2013
- Location: Gower, Swansea
Re: Travel Insurance - Revisited
Sorry about that.
They do a cruise extension approx £9 which covers you for any missed port of calls and cabin confinement due to the dreaded virus. I also pay approx £9 to have the excess removed just in case i need to make a small clam.
Lindsey
They do a cruise extension approx £9 which covers you for any missed port of calls and cabin confinement due to the dreaded virus. I also pay approx £9 to have the excess removed just in case i need to make a small clam.
Lindsey
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- Commodore
- Posts: 15980
- Joined: January 2013
- Location: Down Souf. The civilised end of the country :)
Re: Travel Insurance - Revisited
Just opened their web page with no problem.......just saying
https://www.insurancewith.com/?gclid=Cj ... W7EALw_wcB
https://www.insurancewith.com/?gclid=Cj ... W7EALw_wcB
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- First Officer
- Posts: 1420
- Joined: March 2015
Re: Travel Insurance - Revisited
Messages like the one above can occur if you are using a computer with an old operating system (e.g. Windows XP) or an old version of your browser.Manoverboard wrote: ↑11 Jan 2019, 12:09I am unable to connect securely to ' insurancewith ' either … message displayed is ;
" Can’t connect securely to this page
This might be because the site uses outdated or unsafe TLS security settings. If this keeps happening, try contacting the website’s owner.
Your TLS security settings aren’t set to the defaults, which could also be causing this error. "
Do you have their phone number, please ?
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- Commodore
- Posts: 15980
- Joined: January 2013
- Location: Down Souf. The civilised end of the country :)
Re: Travel Insurance - Revisited
..... or you live in Darset
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- Able Seaman
- Posts: 13
- Joined: April 2014
Re: Travel Insurance - Revisited
The phone number for insurancewith.com is 02038293875
Val
Val
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- Ex Team Member
- Posts: 13014
- Joined: January 2013
- Location: Dorset
Re: Travel Insurance - Revisited
Thank You
ps … my PC is on Windows 10 but it could still be me cos I use ' IE ' rather than ' Edge '
pps … no other web page has thus far failed with the same cause
.
Last edited by Manoverboard on 12 Jan 2019, 09:31, edited 1 time in total.
Keep smiling, it's good for your well being
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- Ex Team Member
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- Location: Cumbria
Re: Travel Insurance - Revisited
I got fed up with IE and now use Firefox or Vivaldi.