Covermore Travel insurance

[cruisine21]

My mum and dad are in there late 80's and doing a repositioning cruise to Syd-Hawaii in April with 2 nights in Hawaii before flying home. Dad rang Covermore and was told they needed to select Indonesia, NZ and South West Pacific as the region of travel. They were told as long as they are not spending more than 20% of their trip in America they do not have to select it. Dad got them to put it in a writing in an email. Does anyone know this in correct? I'd hate for them not to be covered in the US.

[The_Big_M]

As they have it in writing they would have to stand behind that.

 

However, in addition this statement is in their PDF so even though the meaning is slightly different, it still means that that cover would be appropriate:

 

"Stopping over somewhere?

• If You are stopping in a country for less than 72 hours, You do

not need to enter or select that country."

 

While a cruise is slightly different, given that the bulk is in the Pacific and they are in the US for less than 72 hours, the wording covers that.

[cruisine21]

As they have it in writing they would have to stand behind that.

 

However, in addition this statement is in their PDF so even though the meaning is slightly different, it still means that that cover would be appropriate:

 

"Stopping over somewhere?

• If You are stopping in a country for less than 72 hours, You do

not need to enter or select that country."

 

While a cruise is slightly different, given that the bulk is in the Pacific and they are in the US for less than 72 hours, the wording covers that.

 

Thanks. I just wanted to double check.

[Cabansail]

Have found Covermore to be a very good company to deal with. Unfortunately have had to make two claims and both have been without hassle.

 

If you have it in writing then it should be OK.

[cruisine21]

I'm going to call Covermore in the morning. Does anyone know if the cover pre existing heart conditions in the US?

[Kinkacruiser]

I'm going to call Covermore in the morning. Does anyone know if the cover pre existing heart conditions in the US?

 

You will need complete an online questionaire to find out. Pretty sure they will if the heart condition is stable.

Edited February 22, 2016 by Kinkacruiser

[cruisine21]

Going by the PDS they only cover up to age 84. Mum and dad are 85 and 89.

[joybook]

I'm sorry but I can't agree with the comments regarding Covermore. I have discussed this at length with them and quite frankly if you are going anywhere near the US including Hawaii (particularly if you have any pre existing conditions) stay right away from them. In fact they wont cover you at all. I used to use them but now go with InsureandGo.:)

[Pushka]

I'm sorry but I can't agree with the comments regarding Covermore. I have discussed this at length with them and quite frankly if you are going anywhere near the US including Hawaii (particularly if you have any pre existing conditions) stay right away from them. In fact they wont cover you at all. I used to use them but now go with InsureandGo.:)

 

 

I was about to suggest InsureandGo.

[Kinkacruiser]

I'm sorry but I can't agree with the comments regarding Covermore. I have discussed this at length with them and quite frankly if you are going anywhere near the US including Hawaii (particularly if you have any pre existing conditions) stay right away from them. In fact they wont cover you at all. I used to use them but now go with InsureandGo.:)

 

Thanks for the heads up re Covermore, joybook. I will be aware of their shortcomings, get a quote for the 5/35 days in Hawaii and most likely switch to Insure and Go for that cruise.

[rkmw]

I'm going to call Covermore in the morning. Does anyone know if the cover pre existing heart conditions in the US?

 

Aus Post cover pre existing heart problems if things are stable and it can be done over the phone, no harm in giving them a call

[goodycruising]

Have you looked at getting a broker to quote the insurance? We had a friend pass in Thailand and the broker fought hard to get the claim approved. The wife would have been destitute if the insurance company's first rejection had not been overturned.

[Pushka]

Insurance companies often refuse at the first pass except for something like a car accident that couldnt be caused by a pre-existing issue.

[ozscot01]

Going by the PDS they only cover up to age 84. Mum and dad are 85 and 89.

 

 

Can I ask how they managed to get the policy at all in that case? Travellers ages is one of the standard questions when applying for insurance.

[The_Big_M]

Can I ask how they managed to get the policy at all in that case? Travellers ages is one of the standard questions when applying for insurance.

 

Based on what's written, I'm not sure it's actually been purchased yet. Looks like research before buying.

[ozscot01]

On a second read, I think you're right Big M. It is similar to a post on another forum where the insurance had already been purchased only to find pre-existing conditions would be an issue. Hopefully this is a different one and the couple have not spent money on a useless policy[emoji4]

[cruisine21]

Update. They have already taken out the policy. It was an 'aged approved' policy for those over 84. I confirmed this with Covermore. Dad did disclose the pre-existing conditions.

Edited February 25, 2016 by cruisine21