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Travel Insurance Guru's Advice Needed

posted 6-10-2019 @ 07:19 AM www
Travel Insurance Guru's Advice Needed

My mum is seriously ill and has been for some time. I recently decided that I cannot continue to place the lives of myself and my family on hold indefinitely, we need to keep living.

After careful consideration I booked a cruise in January. The date was selected to be in the school holidays but after Christmas and I paid the deposit.

At some point after this I thought I had better get onto the insurance before paying the balance. Bupa said I would not be covered and that they knew RACV would not cover me either as her death from this illness would be considered a pre-existing condition.

I went back to the travel agent I booked through and the consultant said they had an exclusive policy that would allow me to cancel, no questions asked, up to 48 hours prior to departure. Obviously that sort of option is more costly and she said they were having a sale 4 - 6th Oct (this weekend), come back and buy it then, it will be cheaper. She then added I could pay the balance of the cruise at the same time.

Monday, I received an email requesting payment. I reminded her we we doing it this weekend with the insurance. She replied that she did recall that conversation but that the cruise company want payment now. I paid the bulk and said I couldn't withdraw any more from my accounts that day. I had planned on paying the balance when purchasing the insurance. Yesterday I received an email telling me the balance must be paid, I paid.

Today I went in to purchase the insurance and was told it was too late. When exactly it needed to be purchased is a very grey area full of ifs, buts and legal jargon. Had I known this Monday, I may have cut my losses and lost the deposit.

As it stands now, I have booked a holiday with a travel agent for their experience and knowledge and due to their lack of knowledge stand to lose a lot of money should the worst happen in January.

This holiday is more than 3 months away. Does anyone know of a policy that would cover me or have any other suggestions?
posted 6-10-2019 @ 08:35 AM www


Sorry to hear that your mum is seriously ill EdenLouise.

Just to confirm, is the travel insurance for your mum to travel with you, or for yourself to cover you in case you have to cancel?
posted 6-10-2019 @ 09:21 AM www


Thank you Smiley. No, mum isn't coming. It is incase myself, hubby and kids need to cancel in the week or so prior to leaving.
posted 6-10-2019 @ 09:33 AM www


I'm not sure any companies will cover you in this situation, but I'd try "All Clear" & "Cover More" they've been helpful for us with serious pre-existing conditions in the past, maybe they could help or head you in the right direction ... I hope it isn't an issue and you get to enjoy the holiday you deserve, maybe even contact the cruise company and ask if they allow last minute changes, with a credit to re-book a later cruise (even at a charge, it's better than losing the lot)
chrislee
posted 6-10-2019 @ 09:48 AM www


Oh no. Sorry to hear this. My husband has some knowledge of travel insurance, I'll see if he knows of something that might work.

Blossom's suggestion is also a good one I think. Sometimes, if you get someone good on the phone, you can be lucky.

I'll let you know if I find out something that might help.
posted 6-10-2019 @ 09:50 AM www


Cover More is the plan I was led to believe I could purchase. The ridiculous thing is, if I booked and paid for the same trip tomorrow I could still buy the cover because I would be buying it at the time I paid for the holiday.

I will hear back from the travel agency tomorrow when everyone is back on board. Hopefully a manager or head office can do something the staff in store couldn't today.
chrislee
posted 6-10-2019 @ 10:04 AM www


I'll send you a u2u
posted 6-10-2019 @ 10:30 AM www


Quote:
Originally posted by EdenLouise
Cover More is the plan I was led to believe I could purchase. The ridiculous thing is, if I booked and paid for the same trip tomorrow I could still buy the cover because I would be buying it at the time I paid for the holiday.

I will hear back from the travel agency tomorrow when everyone is back on board. Hopefully a manager or head office can do something the staff in store couldn't today.


Sorry to hear your mother is ill. I hope you are able to go on your planned trip.

May I suggest you read the PDS for any company that you are considering insuring with. You have a specific need that would be easy to see if it is covered or not if you had prior awareness of it. My view is that it would not be however your PDS may say different. I'd also make a list of other important factors that you need from your travel insurance and systematically tick them off as you read the PDS. Such as whether it allows repatriation back to Australia, does it allow a relative to come to you overseas, does it negotiate with the hospital to pay the account or do you have to pay it upfront and claim back later.

Don't trust someone else to tell you what is what as ultimately you are responsible. Only the insurance company staff are the experts and not travel agents.

:thumbup:
LuckyJools
posted 6-10-2019 @ 11:59 AM www


Sorry to hear, EdenLouise.

We are going to the USA next year and have quite a few pre-existing conditions we have paid extra for. I'd suggest looking at https://holidayrescue.com.au. I never heard of them until I found their details on Canstar.

They have extra cover for cruise holidays too.

Here is a little more info in an emergency https://holidayrescue.com.au/emergency/
posted 6-10-2019 @ 12:19 PM www


I am sorry to hear about this. I hope you find a solution. I don 't think you should let the travel agent get away with that. Hopefully they will find a solution tomorrow but if not, I would threaten to take further action (consumer affairs or similar?). It was their mistake - they should fix it.

Good luck and let us know how you go. :love:
posted 6-10-2019 @ 12:32 PM www


I will look into holidayrescue tomorrow with fresh eyes and a clear head thank you LuckyJools.

I will not be going down without a fight lucymorgan. I think I have the right to expect the travel agency to educate their staff on the products they sell. At least 2 of them clearly have no idea. I was within seconds of paying the insurance today. Both the consultant and I having no idea we would not have been covered. It was just luck she double checked.
posted 6-10-2019 @ 01:48 PM www


:thumbup:
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