Jump to content
Cruise Critic Community
ELep

Can a travel insurer change policy exclusions after purchase?

Recommended Posts

I am wondering if any of the Brains Trust here can help please? I purchased Gold Cruise cover with InsureanGo on 6/12/19 for a Sth Pac cruise departing 16/3/20. I opened up my policy docs tonight to do a bit of a re read and on the front they have added the following:

image.png.aaab02cd25c3a481a4bca78ffb1eb650.png

 

InsureandGo consider Covid-19 and known event globally on 31/1/20. I have purchased in December 2019. Does this however mean that InsureandGo will not cover us if we get ill from this virus and need medical whilst away, or we are quarantined and so lose wages due to not returning to work?   

image.png.65675e1a200c917d5b096d9d786180a4.png

 

I have emailed InsureandGo tonight but anticipate it may take a few days to hear back and I need to make a cancel and rebook decision by this Friday.

Thank you all for your thoughts.

 

Share this post


Link to post
Share on other sites

Do you have the original papers from when you paid for the policy?  I believe those are the conditions that apply to your travel.

 

I would be more concerned about the Aust Govt travel advice and how the insurer interprets those in regard to the policy.

Share this post


Link to post
Share on other sites

I read it as you are covered as per your original policy, so covered for medical, travel delays etc just as you would be if Coronavirus didn't exist.

 

What you are not covered for is if you cancel because you fear catching the virus on your cruise, or because you changed your mind about that cruise.

Share this post


Link to post
Share on other sites
11 hours ago, ELep said:

I am wondering if any of the Brains Trust here can help please? I purchased Gold Cruise cover with InsureanGo on 6/12/19 for a Sth Pac cruise departing 16/3/20. I opened up my policy docs tonight to do a bit of a re read and on the front they have added the following:

image.png.aaab02cd25c3a481a4bca78ffb1eb650.png

I had an InsureanGo policy taken out more than a year before travel. We were in Malaysia late February when our P&O cruise back to Oz from Singapore was cancelled. I rang them and they told me that their T&C's excluded epidemics and pandemics and that COVID-19 was a declared epidemic. No cover. My take is they are highlighting what is in their T&C's.

Share this post


Link to post
Share on other sites
4 hours ago, By The Bay said:

I had an InsureanGo policy taken out more than a year before travel. We were in Malaysia late February when our P&O cruise back to Oz from Singapore was cancelled. I rang them and they told me that their T&C's excluded epidemics and pandemics and that COVID-19 was a declared epidemic. No cover. My take is they are highlighting what is in their T&C's.

Someone on a FB forum who took out an InsureAndGo policy before January 20th has been told that he is covered. Furthermore my policy, also taken out before that date, has no mention of pandemic in the whole document, and only one mention of epidemic which is in a section stating it's covered. However it may depend on what level of coverage you have. We chose Gold coverage.

Share this post


Link to post
Share on other sites
Posted (edited)
6 minutes ago, OzKiwiJJ said:

Someone on a FB forum who took out an InsureAndGo policy before January 20th has been told that he is covered. Furthermore my policy, also taken out before that date, has no mention of pandemic in the whole document, and only one mention of epidemic which is in a section stating it's covered. However it may depend on what level of coverage you have. We chose Gold coverage.

That would be right. We had basic. Pays to read the PDS.

Edited by By The Bay

Share this post


Link to post
Share on other sites
16 hours ago, ELep said:

I have emailed InsureandGo tonight but anticipate it may take a few days to hear back and I need to make a cancel and rebook decision by this Friday.

Thank you all for your thoughts.

 

I have emailed InsureandGo a number of times and always had fairly prompt relpies, usually the same day, so hopefully that will be the same for you.

 

Leigh

Share this post


Link to post
Share on other sites

Their explanation above confirms the situation that applies to your policy. They haven't and can't change the exemptions that applied when you purchased i.e. prior to 21 January 2020. They confirm that your previous policy does not cover change of mind (whatever the reason) cancellations.

Share this post


Link to post
Share on other sites

At the end of the day I believe the travel insurance companies are waiting for the cruise companies to cough up with the refunds rather than pay out themselves.

Share this post


Link to post
Share on other sites
17 minutes ago, NSWP said:

At the end of the day I believe the travel insurance companies are waiting for the cruise companies to cough up with the refunds rather than pay out themselves.

How right you are and the punch line for me is that I only have 30 days from getting home to make the claim.

Cheers Carole

Share this post


Link to post
Share on other sites
18 minutes ago, Elorac123 said:

How right you are and the punch line for me is that I only have 30 days from getting home to make the claim.

Cheers Carole

Copied Carole, but did'nt Princess pay up re your Majestic cruise terminating in Freo, part refund, future credit, hotel and airfares? If that was the case there would be no need for an insurance claim, unless I am confused.  Good luck with it all.

Share this post


Link to post
Share on other sites
Posted (edited)
3 hours ago, NSWP said:

Copied Carole, but did'nt Princess pay up re your Majestic cruise terminating in Freo, part refund, future credit, hotel and airfares? If that was the case there would be no need for an insurance claim, unless I am confused.  Good luck with it all.

Still waiting ,got the future cruise credit so far that’s all.

Hotel in Singapore refunded us day after cancelling 

Request gone in for

Perth Brisbane flight and transfer

Singapore Brisbane flight ,this may be questionable as ai was not able to change it to another flight and it cost me more to cancel it than the flight was worth.

So if Princess don’t consider that flight within 30 days I have no recourse.

Cheers Carole

Edited by Elorac123
Missed line

Share this post


Link to post
Share on other sites

I have an email back from InsureandGo today saying that as I bought the policy in December I am covered for COVID-19 related claims. And the fact that a declaration of Pandemic now made does not change anything for our policy. I guess we shall just proceed.

Share this post


Link to post
Share on other sites
Posted (edited)

I am with InsureandGo on their Annual Policy purchased last year. I know I'm covered for corona delays and cancellation costs and they have emailed me to confirm that. I can't find the link now but Choice recently did a study of all Travel insurance policies and InsureandGo was noted as covering epidemics and pandemics as long as it was purchased prior to Jan 29?

 

Edited by Pushka

Share this post


Link to post
Share on other sites
On 3/11/2020 at 12:33 PM, NSWP said:

At the end of the day I believe the travel insurance companies are waiting for the cruise companies to cough up with the refunds rather than pay out themselves.

That's always the case. Refunds noted first then penalties are what insurance covers. 

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Forum Jump
    • Categories
      • Forum Assistance
      • New Cruisers
      • Cruise Lines “A – O”
      • Cruise Lines “P – Z”
      • River Cruising
      • ROLL CALLS
      • Digital Photography & Cruise Technology
      • Member Cruise Reviews
      • Special Interest Cruising
      • Cruise Discussion Topics
      • UK Cruising
      • Australia & New Zealand Cruisers
      • North American Homeports
      • Ports of Call
      • Cruise Conversations

Announcements

×
×
  • Create New...