Hi Guys

[Justthetwofus]

Just a question for anyone who has had to cancel a cruise due to being unwell

What does the insurance people need?

A drs certificate?

Cheers sue

 

 

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[Bpos]

Without doubt you would need a detailed Medical report clearly stating the issues and why the person is unable to travel'at the specified time.

 

But you should speak to the insurer, they will tell you what you require.

 

But if the medical issue is deemed to be as a result of a per-existing issue which was not disclosed at the time of purchasing the insurance then be prepared for trouble.

[NSWP]

Just a question for anyone who has had to cancel a cruise due to being unwell

What does the insurance people need?

A drs certificate?

Cheers sue

 

 

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Certainly a certificate from your GP and/or your specialist re being 'unfit to travel' due to an illness/injury which should be described.

 

Good luck with it.

[MicCanberra]

As mentioned you would need proof of the medical reason, as well as documented proof of all expenses to be claimed back. Your insurance company is best placed to answer exactly what is required if more than these.

[fishtaco]

I canceled due to the unforeseen death of a close family member,we couldnt produce a copy of death certificate because it was so close to travel so they accepted a hospitals treating doctor letter.

 

We used a TA at that stage and she sorted it all out for us and even booked for a latter time before the insurance even paid up.

 

I would be calling your insurance asking exactly what you need to submit to them as that small print can be mind boggling.

[Justthetwofus]

I canceled due to the unforeseen death of a close family member,we couldnt produce a copy of death certificate because it was so close to travel so they accepted a hospitals treating doctor letter.

 

 

 

We used a TA at that stage and she sorted it all out for us and even booked for a latter time before the insurance even paid up.

 

 

 

I would be calling your insurance asking exactly what you need to submit to them as that small print can be mind boggling.

 

 

 

Thanks everyone

It's a case of speaking to the dr and getting his final opinion should I still go

 

 

 

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[Bpos]

Looks like a case of putting the cart before the horse at this stage!

[Justthetwofus]

Looks like a case of putting the cart before the horse at this stage!

 

 

 

Perhaps but it's only 6 days away and I was in hospital yesterday so I just wanted a general idea of the "what ifs"

The insurance company was not open today so I just thought I'd ask

 

 

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[GUT2407]

Thanks everyone

It's a case of speaking to the dr and getting his final opinion should I still go

 

 

 

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Good luck.

[Aus Traveller]

Perhaps but it's only 6 days away and I was in hospital yesterday so I just wanted a general idea of the "what ifs"

The insurance company was not open today so I just thought I'd ask

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First point, you have travel insurance. Good. We don't know how serious the condition is/was. If you were in hospital only a week before the cruise, that is not good. You can ask your doctor whether you should go. If you are very ill, he/she will probably advise against it.

 

Is there any way your condition could be classed as 'pre-existing'? If so, that might sway you to go on the cruise if you can manage it because insurance probably would not cover you for your costs.

 

Next point is how do you feel? Do you feel well enough, and strong enough, to fully enjoy the cruise? If you are not very ill, you need to consider If you would rather opt out at this time and go sometime in the future when you could enjoy the cruise more. If so, you could put this angle to the doctor to have him write a certificate for you to present to the insurance company.

 

All the best. :D

[Justthetwofus]

Good luck.

 

 

 

Thanks Mr Gut

 

 

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[Justthetwofus]

First point, you have travel insurance. Good. We don't know how serious the condition is/was. If you were in hospital only a week before the cruise, that is not good. You can ask your doctor whether you should go. If you are very ill, he/she will probably advise against it.

 

 

 

Is there any way your condition could be classed as 'pre-existing'? If so, that might sway you to go on the cruise if you can manage it because insurance probably would not cover you for your costs.

 

 

 

Next point is how do you feel? Do you feel well enough, and strong enough, to fully enjoy the cruise? If you are not very ill, you need to consider If you would rather opt out at this time and go sometime in the future when you could enjoy the cruise more. If so, you could put this angle to the doctor to have him write a certificate for you to present to the insurance company.

 

 

 

All the best. :D

 

 

 

Yes I have travel insurance

I haven't had any heart issues before(thank goodness)so I'm safe as far as pre existing

Today I'm not 100 percent but I'm hoping I will be okay later in week ,thank you for the constructive advice I will speak to my GP on Monday and see what he thinks

I am not trying to scam the insurance company i was asking about the what ifs because I haven't been in this situation before and have looked to the forums before for help/opinions

Ty so much

 

 

 

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[MicCanberra]

If you cancel the cruise you are likely to be covered as you said there was no history of heart disease before. However, if you cruise and something happens, you may not be covered as you were just in hospital, so it now pre-existing condition for the cruise. In addition heart disease is generally not covered in any case (not as a pre existing condition anyway). I wish you luck, but after speaking to you doctor, you may want to speak with the insurance company.

 

I wish you luck with it all, it is such a shame this complicating everything.

[Justthetwofus]

If you cancel the cruise you are likely to be covered as you said there was no history of heart disease before. However, if you cruise and something happens, you may not be covered as you were just in hospital, so it now pre-existing condition for the cruise. In addition heart disease is generally not covered in any case (not as a pre existing condition anyway). I wish you luck, but after speaking to you doctor, you may want to speak with the insurance company.

 

I wish you luck with it all.

 

 

 

Thanks Mic

 

 

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[fishtaco]

Yes I have travel insurance

I haven't had any heart issues before(thank goodness)so I'm safe as far as pre existing

Today I'm not 100 percent but I'm hoping I will be okay later in week ,thank you for the constructive advice I will speak to my GP on Monday and see what he thinks

I am not trying to scam the insurance company i was asking about the what ifs because I haven't been in this situation before and have looked to the forums before for help/opinions

Ty so much

 

 

 

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That is what Travel insurance is for! :)

 

I have only ever used Travel insurance once but will never be without it! I never claim for minor things and thus never pay to waive exsess.

 

Now your health is most important to both you and those around you so how you feel yourself about going is more important than getting back costs from a TI policy.

 

Look at your TI policy very carefully if you do decide you feel well enough to go because even though it "was not" a pre existing it has now become a pre existing "before travel date" which you have to notify the TI of in most policies.

 

A failier to disclose any new condition prior to travel date is the same as failing to disclose a prior condition in most cases.

 

Just remember if in the unlikely event of an at sea medical emergancy wouldnt "you" rather be more comfortable in yourself knowing you were close to the best emergency treatment in the world instead of a ships doctor? I know what the TI would prefer.

 

Hope you get very well soon and doctor allows travel :)

[Justthetwofus]

That is what Travel insurance is for! :)

 

 

 

I have only ever used Travel insurance once but will never be without it! I never claim for minor things and thus never pay to waive exsess.

 

 

 

Now your health is most important to both you and those around you so how you feel yourself about going is more important than getting back costs from a TI policy.

 

 

 

Look at your TI policy very carefully if you do decide you feel well enough to go because even though it "was not" a pre existing it has now become a pre existing "before travel date" which you have to notify the TI of in most policies.

 

 

 

A failier to disclose any new condition prior to travel date is the same as failing to disclose a prior condition in most cases.

 

 

 

Just remember if in the unlikely event of an at sea medical emergancy wouldnt "you" rather be more comfortable in yourself knowing you were close to the best emergency treatment in the world instead of a ships doctor? I know what the TI would prefer.

 

 

 

Hope you get very well soon and doctor allows travel :)

 

 

 

Thank you so much

 

 

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