mk-ray

I've just spoken to P & O. They require passengers to have declared all their medical conditions and say it is between the passenger and their insurer as to what is just declared and what is actually covered. Result.🙂

I've just received an email from P&O relating to the Canadian cruise we've now booked. The following clause caught my eye: "Declare any pre-existing medical conditions and read each policy thoroughly to make sure you have the cover you need" I had always thought that P&O insisted that cover had to be provided for all medical conditions whereas the above clause seems to imply that pre-existing conditions only need to be declared (and not necessarily covered). Do others interpret the clause the same way?

Yes, you can get insurance that excludes cover for declared medical conditions. I've done that in the past.

Some companies have a limit on the length of the cruise, something not necessarily obvious when trying to take out cover or (possibly) when scanning quickly through the received/issued policy documentation. Towards the end of my search yesterday, their maximum trip length was the first question that I asked with more than 50% saying they wouldn't cover a 99 day trip.

Indeed, they were the first port of call so to speak. They'd insure me but not cover the two existing conditions - Lymphoma and a heart attack/stent now 18 yearsago.

I have spent most of the day trying to arrange travel insurance (with declared medical conditions) for a P & O cruise around the UK, which includes a call in Ireland (which added £90 to the premium), a P&O trip to Canada and the 2024 P & O circumnavigation. I was unable to find anyone to cover all three on one policy and have had to settle for doing the UK & Canada trips individually. The World cruise appears to be a non-starter partly because of the trip's length.