Staysure travel insurance, interesting email.

[carolyn]

I had an email yesterday obviously a sales pitch but interesting nonetheless. They are now selling a policy that will cover you if you are ill with Coronavirus whilst abroad. It won’t cover for cancellation due to anything related to Coronavirus prior to travel but it will now cover for normal things prior to travel but will cover normal things plus Covid19 whilst away. Provided that the FCO restrictions have been lifted.

For Nick and I that is promising as Brittany Ferries flexi fares can be changed. Most flights with dearer flexi fares can be changed so although we were’nt planning on too much wild travelling I am rather neurotic about good health cover. Also I really would like to be able to visit darling daughter in Bangladesh one day especially after all those expensive injections in January and February!

 

[berni109]

Hiya, I would wait until u can get the corvid injection before traveling to that part of the world.
Us older folk need to be careful - take care of yourself and Nick.
B & E

 

[Minxy]

I don't understand their thinking, surely if they are providing you with cover you should have full cancellation provision for the same ailments etc at the same level as you have when away, it would be interesting to see if this is approved by the Insurance ombudsman/professional organisations.

 

[carolyn]

Hiya, I would wait until u can get the corvid injection before traveling to that part of the world.
Us older folk need to be careful - take care of yourself and Nick.
B & E

Don’t worry we aren’t daft, we won’t go until she tells us it’s OK. The rabies jabs last 3 years !
I just thought it was interesting and hopeful.

 

[carolyn]

I don't understand their thinking, surely if they are providing you with cover you should have full cancellation provision for the same ailments etc at the same level as you have when away, it would be interesting to see if this is approved by the Insurance ombudsman/professional organisations.

You can insure against almost anything. I presume their actuaries believe the big financial risks come before travel and that if the FCO say it’s OK to travel then on balance they will take the risk. I don’t expect it will be cheap for our age group mind you and if you’ve got underlying health issues they might not accept you but it’s looking a bit more hopeful I thought for us pathological worriers!

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[sally47]

Wouldn't touch them if it was free we tried to make a claim back February couldn't even get a claim form no contact on phone tried many times they tell you to apply by email sent five emails and wrote three times
Phoned their booking line and yes you can take out insurance they will take your money but the lady said she has nothing to do with claims I would have to go on line told her I had tried several times but she said nothing to do with her still waiting and perusing so beware

 

[spitfire]

We claimed when OH broke his kneecap in Australia when visiting our daughter. Excellent and paid all and quickly . We did contact them by phone when he was in A&E to get clearance on how to proceed and asked them to confirm by e mail which they did with a reference number .

 

[The Wino]

I don't understand their thinking, surely if they are providing you with cover you should have full cancellation provision for the same ailments etc at the same level as you have when away, it would be interesting to see if this is approved by the Insurance ombudsman/professional organisations.

Why would it necessarily be the same for different parts of the cover?. There has probably been a fair few cancellation claims from the original outbreak if so if they included cover for that as well the premium could well be so high as to make cover unaffordable. I think as long as its clear that cancellation isn't included it up to the customer you either accept it or try someone else. Of course the problem is if you take it out and book everything then the FO advise against travel if there's an outbreak while you're there presumably the health cover depends on the advice on the day of departure it might be worth checking.

 

[Minxy]

Why would it necessarily be the same for different parts of the cover?. There has probably been a fair few cancellation claims from the original outbreak if so if they included cover for that as well the premium could well be so high as to make cover unaffordable. I think as long as its clear that cancellation isn't included it up to the customer you either accept it or try someone else. Of course the problem is if you take it out and book everything then the FO advise against travel if there's an outbreak while you're there presumably the health cover depends on the advice on the day of departure it might be worth checking.

There are a lot of 'ifs and buts' there ... the risk is that IF you suspect you may be suffering from CV immediately prior to travel but also know if you do NOT go you have no comeback on the insurance, it may encourage people to travel when they should not so that they WILL be covered. To me it is very bad practice.

 

[The Wino]

There are a lot of 'ifs and buts' there ... the risk is that IF you suspect you may be suffering from CV immediately prior to travel but also know if you do NOT go you have no comeback on the insurance, it may encourage people to travel when they should not so that they WILL be covered. To me it is very bad practice.

Thats true although the ymptoms are so non specific it would be hard to know also it would mean if anyone changed their mind they could claim they felt unwell and get a refund on their holiday insurance rather than cance and lose the dosh I think that might be a bit too tempting for some if something elde cropped up which meant they would sooner not go. Of course you could argue anyone who doesn't have insurance at all is still tempted to go anyway.

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[Minxy]

Thats true although the ymptoms are so non specific it would be hard to know also it would mean if anyone changed their mind they could claim they felt unwell and get a refund on their holiday insurance rather than cance and lose the dosh I think that might be a bit too tempting for some if something elde cropped up which meant they would sooner not go. Of course you could argue anyone who doesn't have insurance at all is still tempted to go anyway.

If that were the case the requirement should be for them to have a CV test carried out by an approved party (ie an independent GP etc).

 

[The Lord Squid]

Extract from email I received today from CoverForYou (underwritten by Axa):

"At CoverForYou we value you, our customers and understand your frustration at being unable to travel due to the pandemic, we are sure that you are looking forward to travelling again as much as we are once it is safe to do so. While our policy continues to offer cancellation cover for your future bookings we've been working to think of ways we can help and have come up with a fantastic idea.

All our policies now include increased coverage for Coronavirus risks at no additional cost including you being unable to travel due to contracting Coronavirus (either prior to travel or by being denied boarding at the airport), becoming ill with Coronavirus while abroad or needing to return home early due to a close relative passing away from Coronavirus. Please click here to view examples of what is now covered by our policies as standard. Terms and conditions apply.

We know it won't move mountains but we hope it's one less thing to worry about for the foreseeable future."

 

[carolyn]

Extract from email I received today from CoverForYou (underwritten by Axa):

"At CoverForYou we value you, our customers and understand your frustration at being unable to travel due to the pandemic, we are sure that you are looking forward to travelling again as much as we are once it is safe to do so. While our policy continues to offer cancellation cover for your future bookings we've been working to think of ways we can help and have come up with a fantastic idea.

All our policies now include increased coverage for Coronavirus risks at no additional cost including you being unable to travel due to contracting Coronavirus (either prior to travel or by being denied boarding at the airport), becoming ill with Coronavirus while abroad or needing to return home early due to a close relative passing away from Coronavirus. Please click here to view examples of what is now covered by our policies as standard. Terms and conditions apply.

We know it won't move mountains but we hope it's one less thing to worry about for the foreseeable future."

I think there are going to be lots of policies coming out now which for worriers like me is good news! I know this one is different again as it covers cancellations , it doesn’t cover if lockdown is reinstated but it’s good to read the small print. We have an annual policy with Llords bank so I’m hoping that by the time we can travel that is OK but if not I am encouraged that there might be something out there even if it costs an arm and a leg.
The Lloyds one is underwritten by Axa like many others so fingers crossed.