Calis Beach and Fethiye Turkey Discussion Forum
Calis Beach Forum => Calis Beach Questions and Information => Topic started by: Highlander on June 05, 2018, 19:09:14 PM
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About a month ago I organised our travel insurance complete with two declared medical conditions for the present Mrs H and one declared medical condition for myself.
At that time I had a swelling on the middle finger of my left hand which I did not declare because I felt sure it would clear up before we left.
It hasn’t fully cleared up.
So I did as instructed on the policy, notified the insurance company and asked them to amend the policy accordingly. In my naivety I had expected the new disclosure to be merely noted or at worst would incur an additional premium.
Neither was the case. Not only was the new disclosure not covered but the original one was now considered null and void and I would not be covered for any Declared Medical Conditions.
Needless to say I am not a happy budgie.
>:( >:( >:( >:( >:( >:(
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At that time I had a swelling on the middle finger of my left hand
I hope you waved it at them
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They didn't waive back though. ;)
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Brilliant KKOB ;)
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I will be writing to them - I think it's outrageous !
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Using 1 finger ?
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Did they cancel because you didn't declare it at the time of taking out the insurance?
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Yes - I think that maybe it - but I might just as well have had some other ailment that would have cleared up in a month.
Even so, why cancel the one declared condition >:(. Wasn't even offered the option of not covering the swollen finger.
What is the point of asking people to notify additional Medical Conditions. >:( >:( >:(
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What is the point of asking people to notify additional Medical Conditions.
In their defense (playing the devil's avocado here) - you didn't notify them of a new ailment, you notified them of an ailment that existed at the time of application for insurance that hadn't gone away. Effectively a false declaration at the time of obtaining cover.
I hope I haven't made you any more angry H :D
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I hope I haven't made you any more angry H
Heaven forfend :)
I believed that the problem would be resolved before we flew and therefore didn’t want to pay to have insurance for something that didn’t exist. It’s not as though the undeclared condition was life threatening.
If the problem had arisen after I had taken out the insurance presumably the company would have covered me if I notified them. So, what is the difference.
On the good news front the company have advised that I will be refunded for the withdrawal of cover. I can hardly await for their cheque for £ 4.40.
I would be interested to know when members organise their travel insurance – days, weeks or more before departure.
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It is advised by Martin Lewis that travel insurance is taken out as soon as a holiday is booked, so have always done so. It always appears however that they have the upper hand and if they can get away without paying they will, insurance companies are a law unto themselves.
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For a few years now we've had an annual policy which works out a bit cheaper if you have a few trips a year, also saves faffing about with declaring medical conditions every time although you do have to make sure you inform them of any changes. But, as suzyq says, you should take out a single trip policy from the date it's booked so that you are covered for any cancellation.
It's also true that they are a law unto themselves and will only pay out if pushed. Last year we were covered with an annual world wide policy as we were out in New Zealand early in the year and had cover for scheduled airline failure. In October we had four weeks booked in Calis, flying out with Monarch! When Monarch went bust and we had to find new flights we ended up losing a weeks holiday. Contacted insurers who didn't want to know about recovering money for flights, told me to contact credit card company as they would have to deal with it. Fortunately Nationwide did very quickly. Contacted insurers again about claiming back the week's accommodation we'd lost, and paid for, bearing in mind it was down to scheduled airline failure.
No, not interested and they pointed out it wasn't 'a direct consequence of the airline failure'!
So this unhappy bunny wrote back again telling them in no uncertain terms that it couldn't be anything other than a DIRECT consequence of airline failure and they should re-consider.
Took them about two weeks, but eventually got an email saying they'd passed my comments onto the underwriters and as 'a goodwill gesture' were going to pay what we'd lost. But if I hadn't pushed for it I'd have got nothing.
Highlander, I can completely understand why you didn't declare the problem you had and I would probably have done that same.
The irony of it is of course that, if you'd just rung up and told them it had just appeared and you wanted it covering they probably would have done!
I certainly think they are being picky in this case!
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I had the same sort of problem a week ago. I had some chest congestion and was put on a one week course of antibiotic. That ranks as an unresolved condition (because I would still be taking medication whilst on holiday). Since I was only away for one week I decided to get insured with a company that does not carry out medical screening. The only only conditions are that you are able to produce a doctor's letter saying you have not been diagnosed with a terminal condition, all current conditions are stable and that you are fit to travel. Failure to produce such a letter would result in any claim being rejected (I have scanned mine and am carrying e-version with me). If you are interested the company is EuroTunnel (yes,the same as that bunch who take you under the channel but their finance division) which is used by some people I know.
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That's worthwhile knowing Colwyn, thank you.
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The only only conditions are that you are able to produce a doctor's letter saying you have not been diagnosed with a terminal condition, all current conditions are stable and that you are fit to travel.
Colwyn - that's very useful information. Many thanks.
Did you have the letter from your doctor before you traveled or did you only have an agreement with him/her that the letter would be supplied if required in the event of a claim.
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How much did your doctor charge for the letter ?
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..and could you read it?
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Or did you have to take it to a chemist for a translation ?
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Did you have the letter from your doctor before you traveled
I got the letter before I travelled. Last week I was diagnosed on Tuesday morning, got rejected by my insurance company Tues pm and finally collected my letter from the health clinic on Thursday afternoon. As we were due to travel Saturday am things were rather fraught last week especially since Hilary had set her heart on this holiday. However, it worked out in the end and here we are on Lake Garda and it is lovely.
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Have a lovely holiday, Lake Garda is on my to do list
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We use a company called Columbus and take out annual holiday insurance each year, to date I’ve used them for 4 years and each renewal time they have been competitive, both my wife and I have more than one declared condition.
We inform them of any medical condition however major or minor, they then go through a yes/no questionnaire for each condition and so far so good.
We have been fortunate that we have not needed to claim, so you could say we don’t know how good they are……
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My problem is I have 16 declared conditions. This makes it sound like I am held together by chewing gum and string. Well, that is partly true but it seems impossible to wipe any past ailment off your list. Here's an excerpt from an interrogation: "You have a heart murmur." "No I don't." "It says here that you have a heart murmur". "I did have once but I had heart valve replacement surgery - find it on your list - which means I don't have heart murmur now". "Yes but if you have had it it has to be on your list. So ... you declare heart murmur?" "Yes alright, I declare it". Going through 16 of these takes a little while. I have decided to risk not declaring that I used to have teething problems some time ago. My mum said I cried a lot.
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After being with the same company the last few years and declaring conditions at not too much cost, i was shocked when our renewal came up and it had doubled more or less...I was a bit panicked as hadnt expected it and we were travelling in a few days time, so i took out a single trip policy for that trip and then looked at loads and loads for an annual policy...we finally settled with Asda I opted for their top of the range one as I also wanted a policy that covers for 90 day single trip...I cant remember how much I paid but remember being very pleasantly suprised, the cost also included two declared medical conditions...
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Highlander may I ask which insurer you used? for our part my wife also had one prior condition (rheumatoid arthritis) and then unfortunately the big c arrived and although fortunately caught early doors and guick surgery so now in remission. L/Pool Vic will not cover either but will continue to accept our £300+ policy. The good part is that unless something else drops off!! then we will continue (because of the ninety days cover )which previously gave us peace of mind.
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My problem is I have 16 declared conditions.
What about being Welsh, should you not have to declare that also?
;)
JF
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Highlander may I ask which insurer you used?
Stay sure
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I have just looked it up I paid £136 two people one year cover, two conditions declared and a single trip up to 90 days per trip...
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That's a good price Karennina for an annual policy especially giving 90 days cover.
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I agree with Scunner on this. You have to declare at the point of sale otherwise they have the right to cancel the policy. Did they refund you?
I’ve added two new medical conditions prior to coming out here. Both minor but I thought it best to cover all bases. Both times they just added it and didn’t charge extra.
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I have returned from Lake Garda without any major medical disasters - just loads of blood all over the place, but that is normal. So I haven't tested how good EuroTunnel's claims behaviour is. I have finished my course of antibiotics, been checked as free from chest infection, and - after an hour on the phone to Staysure - have had my annual insurance reinstated. I am concerned that any little thing for which I might visit the GP might have me suspended again. So I am wondering about switching to EuroTunnel if this happens. I'd like to know more about their track record though.
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I agree with Scunner on this. You have to declare at the point of sale otherwise they have the right to cancel the policy. Did they refund you?
I’ve added two new medical conditions prior to coming out here. Both minor but I thought it best to cover all bases. Both times they just added it and didn’t charge extra.
I understand the arguement but why should I get insurance for a medical condition that did not exist at the time I went on holiday.
Yes to refund - £ 4:00
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I agree with Scunner on this. You have to declare at the point of sale otherwise they have the right to cancel the policy. Did they refund you?
I’ve added two new medical conditions prior to coming out here. Both minor but I thought it best to cover all bases. Both times they just added it and didn’t charge extra.
I understand the arguement but why should I get insurance for a medical condition that did not exist at the time I went on holiday.
Yes to refund - £ 4:00
But you said you did at the time of taking out the insurance:
“At that time I had a swelling on the middle finger of my left hand which I did not declare because I felt sure it would clear up before we left.”
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I hope I haven't made you any more angry H
Heaven forfend :)
I believed that the problem would be resolved before we flew and therefore didn’t want to pay to have insurance for something that didn’t exist. It’s not as though the undeclared condition was life threatening.
If the problem had arisen after I had taken out the insurance presumably the company would have covered me if I notified them. So, what is the difference.
On the good news front the company have advised that I will be refunded for the withdrawal of cover. I can hardly await for their cheque for £ 4.40.
I would be interested to know when members organise their travel insurance – days, weeks or more before departure.
I always take mine out for the year - before I book any flights/holidays. Of course on the off chance we might not go away then I wouldn’t take any out at all ;)