The whole story?

[CarlaMarie]

It is always best to declare any illness, even if it doesn't impact you greatly, as you never know what may happen. As many of you know I have two long term conditions - M.E. and now recently Polycystic kidneys. Although I don't take any medication for either, and my kidneys are still functioning and doing their job I still declare both conditions. I am well aware that say for example I would require any other medical assistance - either condition could mean I would need more specialised attention/medications or monitoring which would potentially be at a much higher cost than normal and the reason why would hence be declared on medical reports. 

 

Honesty is the best policy. 

[grapau27]

6 minutes ago, CarlaMarie said:

It is always best to declare any illness, even if it doesn't impact you greatly, as you never know what may happen. As many of you know I have two long term conditions - M.E. and now recently Polycystic kidneys. Although I don't take any medication for either, and my kidneys are still functioning and doing their job I still declare both conditions. I am well aware that say for example I would require any other medical assistance - either condition could mean I would need more specialised attention/medications or monitoring which would potentially be at a much higher cost than normal and the reason why would hence be declared on medical reports. 

 

Honesty is the best policy. 

Absolutely agree with you,honesty is best especially as insurance companies can get hold of your medical history and deny a claim.

Sorry to hear about your illnesses and hope they don't affect your health to much.

Graham.

[ann141]

13 minutes ago, jeanlyon said:

It's odd that they wouldn't let him back on board, it's only overnight from Zeebrugge, so would hardly need a medivac.  Also, the person above who hadn't had his illness recur in 20 years also strikes me as odd, as you only have to declare things that have happened in the last 5 years normally.

You might only need to declare one off illnesses you have had in the past 5 years but you need to declare all long term conditions even if you haven t had symptoms for years

When you have had a mini stroke or stroke you are at a high risk of having a major stroke within the first week so even though the chap would have been onboard only overnight he might have had a major stroke a risk the ships doctor wasn t prepared to take.At least he didn t have to get himself home from the Caribbean or similar!

[molecrochip]

3 hours ago, jeanlyon said:

It's odd that they wouldn't let him back on board, it's only overnight from Zeebrugge, so would hardly need a medivac.  Also, the person above who hadn't had his illness recur in 20 years also strikes me as odd, as you only have to declare things that have happened in the last 5 years normally.

it’s in the booking terms and conditions that each passenger must have full travel insurance including for pre-existing conditions. Booking a holiday means I you’ve agreed to these terms.

 

If the travel insurance did not cover his pre-existing conditions, which is likely as it didn’t pay out, then he had not met yet the conditions of his booking contract, his Booking would be invalid and P&O would be in their legal right to refuse his journey back to the UK.

[the english lady]

Reading the original article i assumed either he hadn't told his insurers about his strokes or he was covered for any claim unless it could be linked to a pre existing ..which his was..as he admits he has had lots of them. The ship had offered help for him to get home, why would he do that...unless in a fit of stroppyness. 

I get rather annoyed with the sad face pictures of look at us..we were not allowed on board...blah blah...etc etc

If you cruise a lot we all picked up there was more to this than met the eye. Brand new cruisers though may read this and think..oh dear...

Never let the truth get in the way of a story..

[babs135]

2 hours ago, the english lady said:

Reading the original article i assumed either he hadn't told his insurers about his strokes or he was covered for any claim unless it could be linked to a pre existing ..which his was..as he admits he has had lots of them. The ship had offered help for him to get home, why would he do that...unless in a fit of stroppyness. 

I get rather annoyed with the sad face pictures of look at us..we were not allowed on board...blah blah...etc etc

If you cruise a lot we all picked up there was more to this than met the eye. Brand new cruisers though may read this and think..oh dear...

Never let the truth get in the way of a story..

My reaction as well.  We have friends who won't entertain the idea of a cruise;  as far as they are concerned you can either fall overboard very easily, catch the dreaded norovirus just by looking at someone or be dumped in a foreign port at the whim of the captain, etc, etc!   We've given up trying to explain how things actually work.

[P&O SUE]

8 hours ago, the english lady said:

Reading the original article i assumed either he hadn't told his insurers about his strokes or he was covered for any claim unless it could be linked to a pre existing ..which his was..as he admits he has had lots of them. The ship had offered help for him to get home, why would he do that...unless in a fit of stroppyness. 

I get rather annoyed with the sad face  pictures of look at us..we were not allowed on board...blah blah...etc etc

If you cruise a lot we all picked up there was more to this than met the eye. Brand new cruisers though may read this and think..oh dear...

Never let the truth get in the way of a story..

I believe that’s called ‘compo face’ 😀

[P&O SUE]

On 1/2/2020 at 12:35 AM, grapau27 said:

Okay I understand.

I had a mild heart attack at home December 18th and had a stent fitted in hospital and given the all clear.

We told insurance company who instantly cancelled that policy which had 4 months left then quoted £2000 for a new annual policy which we declined as it was 10x our existing policy and will go elsewhere to a medical specialist company.

 

I’m glad you’re recovering. I had a stent fitted in 2018 (didn’t have a heart attack, caught it before that, wasn’t done as an emergency) and the insurance hasn’t been TOO bad. I always declare it all although I’m sure it helps I didn’t have a heart attack.   So far I’ve tried Tesco and Saga and they weren’t as expensive as I’d feared. One company would let me buy insurance but it wouldn’t cover anything to do with my condition! What is the point of that??

[the english lady]

6 minutes ago, P&O SUE said:

I believe that’s called ‘compo face’ 😀

🤣true. Similar to when people post on social media and assume everyone will totally agree with them....and suddenly find out, no one does.

[grapau27]

58 minutes ago, P&O SUE said:

 

I’m glad you’re recovering. I had a stent fitted in 2018 (didn’t have a heart attack, caught it before that, wasn’t done as an emergency) and the insurance hasn’t been TOO bad. I always declare it all although I’m sure it helps I didn’t have a heart attack.   So far I’ve tried Tesco and Saga and they weren’t as expensive as I’d feared. One company would let me buy insurance but it wouldn’t cover anything to do with my condition! What is the point of that??

Thanks Sue I appreciate your concern.

I agree if the insurance won't cover a medical issue it is no good.

I'm happy you are fine now and didn't have a heart attack.

I had ECG,x-ray and ultra sound scan which were fine 3.3 cholesterol but it was the blood test that had raised level of heart protein which they diagnosed the heart attack with and admitted me to the coronary ward straight away.

My only symptom was a pain high up in my chest.

The Angioplasty was done 2 days later when they fitted the stent.

 

 

[P&O SUE]

14 hours ago, grapau27 said:

Thanks Sue I appreciate your concern.

I agree if the insurance won't cover a medical issue it is no good.

I'm happy you are fine now and didn't have a heart attack.

I had ECG,x-ray and ultra sound scan which were fine 3.3 cholesterol but it was the blood test that had raised level of heart protein which they diagnosed the heart attack with and admitted me to the coronary ward straight away.

My only symptom was a pain high up in my chest.

The Angioplasty was done 2 days later when they fitted the stent.

 

 

Wow sounds like you were ‘lucky’ in a way.I just had some chest pain on and off and I’m thankful I went to the doctor as it turned out I had a blocked artery!  Operation done under local anaesthetic through my wrist, so clever. 

Hope you enjoy a cruise soon. 

[grapau27]

1 hour ago, P&O SUE said:

Wow sounds like you were ‘lucky’ in a way.I just had some chest pain on and off and I’m thankful I went to the doctor as it turned out I had a blocked artery!  Operation done under local anaesthetic through my wrist, so clever. 

Hope you enjoy a cruise soon. 

Thanks Sue,hopefully you also will enjoy a cruise soon.

The consultant in A&E said people never come in that early and said he was ready to send me home until he saw the blood test.

It was a different pain and lasted about 1 hour.

The first thing I did was to take 3 aspirin which he was pleased with.

I too had a thin tube pushed in through the wrist and he said a tight coronary artery and it looked blocked when he showed me the before and after picture with the stent in.

The operation only took about 20 minutes.

 

Edited January 4, 2020 by grapau27

[manonabike]

This thread has prompted me to look at our annual cover for the family and it reminded us of a treatment we've had in the year. Declaring it has increased our costs by £3!!! but at lease we can rest easy for our cruise in May.

 

Odd that the couple in question declined P&O's help in returning to the UK. 

[AndyMichelle]

1 minute ago, manonabike said:

This thread has prompted me to look at our annual cover for the family and it reminded us of a treatment we've had in the year. Declaring it has increased our costs by £3!!! but at lease we can rest easy for our cruise in May.

 

Odd that the couple in question declined P&O's help in returning to the UK. 

That £3 could potentially have saved you a fortune. 

The insurance company will always look at ways to get out of paying out and if they find something wasn't declared, even unrelated, they won't pay out... 

Wise move. 

Andy 

[grapau27]

3 hours ago, AndyMichelle said:

That £3 could potentially have saved you a fortune. 

The insurance company will always look at ways to get out of paying out and if they find something wasn't declared, even unrelated, they won't pay out... 

Wise move. 

Andy 

When Pauline's mam died in October 2018 her death certificate had dementia/Alzheimer's on it which she was diagnosed 3 years previously with.

The insurance company said they would not entertain a claim by us to cancel  even though she was a close relative.

[CarlaMarie]

On 1/2/2020 at 10:13 PM, grapau27 said:

Absolutely agree with you,honesty is best especially as insurance companies can get hold of your medical history and deny a claim.

Sorry to hear about your illnesses and hope they don't affect your health to much.

Graham.

Thank you Graham. Currently I am able to manage both and get regular check ups. I've lived with the M.E for 18 years now and it is better than it was at the start, and apparently I've also lived with the kidney condition since birth as it is genetic. A positive mind, keeping active and healthy eating definitely help 🙂

[CarlaMarie]

23 hours ago, manonabike said:

This thread has prompted me to look at our annual cover for the family and it reminded us of a treatment we've had in the year. Declaring it has increased our costs by £3!!! but at lease we can rest easy for our cruise in May.

 

Odd that the couple in question declined P&O's help in returning to the UK. 

 

So pleased you checked everything and had it included. Like others have said the extra £3 could potentially save you a alot of money and stress. 

[grapau27]

12 minutes ago, CarlaMarie said:

Thank you Graham. Currently I am able to manage both and get regular check ups. I've lived with the M.E for 18 years now and it is better than it was at the start, and apparently I've also lived with the kidney condition since birth as it is genetic. A positive mind, keeping active and healthy eating definitely help 🙂

Great news that you are able to manage both and I agree a positive mind and healthy eating do help.

Best wishes.

Graham