P&O Customer Service

[Megabear2]

5 minutes ago, jeanlyon said:

Interesting topic.  I was looking at getting cover for the 2 of us for next year.  So I declared our 2 conditions each, but husband had to go to hospital as he was dizzy.  They did all sorts of tests, CT scan etc.  He has Labrynthitis.  So I put in that condition and it said "there are no questions to ask about this condition".  So  what worries me is, say he lost his balance, hurt himself and had to have treatment, would the travel insurance refuse to pay up as I had not mentioned him going to hospital.  There is nowhere on the quote to do that.

You should be covered as he was given a diagnosis. I assume that's what the tests established?  The problem with my aunt is that because she was found to have nothing wrong she did not declare the hospital visit.  Being 83 she did it by telephone and religiously confirmed everything she believed was necessary.  Ifin doubt you should ring the insurer or do an online chat. Record everything,  always safest.

[Megabear2]

10 minutes ago, Gettingwarmer said:

Really really sorry to have troubled you. I thought it may have resolved the issue with your policy as the cruise lines are considering no longer offering FCCs. I wish you and family a good recovery. 

No problem at all. Really happy to receive ideas and suggestions that after all is the point of these boards.

 

For clarity it is not my policy/ies we have the problem with, it's my aunt's who is Good to Go.  They are a specialist over 80's insurer and are actually high up the list provided by the government for people of that age or with complex medical conditions.  Therefore they are assumedly reputable but of course that says nothing about the claims company who I have subsequently researched and discovered they have an appalling reputation.

 

[jeanlyon]

21 minutes ago, Gettingwarmer said:

Surely it ask you somewhere if you have attended hospital or a clinic under another question 

Nope.  As there were no questions for that condition, there is nowhere else to state that he went to A&E for tests.

[jeanlyon]

3 minutes ago, jeanlyon said:

Nope.  As there were no questions for that condition, there is nowhere else to state that he went to A&E for tests.

I think I will call once I get a quote and ask the question.

[Megabear2]

25 minutes ago, jeanlyon said:

Nope.  As there were no questions for that condition, there is nowhere else to state that he went to A&E for tests.

Normally on line quotes ask you to do a health declaration if you have taken medicine, been seen by a doctor or visited a hospital. There are also the five main any time in your life conditions which are listed.

 

In your case you would answer yes because he had tests in hospital. The prompt to enter the condition that was discovered asks you to type the name of the illness the tests were for.  If the underwriter considers it an irrelevant or easily accepted illness to cover there will be no supplementary questions.

 

An example: my husband has glaucoma and goes to the eye hospital every year. I declare this as he has been an outpatient but glaucoma is just readily accepted with no supplementary questions as the underwriter knows there are very miniscule claims associated with that illness.

Edited July 17, 2022 by Megabear2

[davecttr]

59 minutes ago, Megabear2 said:

Normally on line quotes ask you to do a health declaration if you have taken medicine, been seen by a doctor or visited a hospital. There are also the five main any time in your life conditions which are listed.

 

In your case you would answer yes because he had tests in hospital. The prompt to enter the condition that was discovered asks you to type the name of the illness the tests were for.  If the underwriter considers it an irrelevant or easily accepted illness to cover there will be no supplementary questions.

 

An example: my husband has glaucoma and goes to the eye hospital every year. I declare this as he has been an outpatient but glaucoma is just readily accepted with no supplementary questions as the underwriter knows there are very miniscule claims associated with that illness.

I was diagnosed with glaucoma 3 weeks ago and I included it on my insurance declaration with no questions. The problem now is putting the drops in my eyes, the months supply lasted 2 weeks.

[Megabear2]

I am pleased to report my aunt is being flown back to the UK tomorrow to continue her treatment here.

 

The debate with the insurer continues following an admission from my aunt's GP that they failed to notify her of a potential heart problem as they overlooked a report from the hospital. She apparently therefore was not aware there was anything to declare to them!

[kruzseeka]

Excellent news that your aunt is coming back to the UK.  What a relief to you and all her family.  Best wishes that she soon improves.

 

And the 'loophole' in the insurance, inasmuch as your Aunt wasn't aware of a problem therefore couldn't inform the insurers of that, will hopefully mean the insurers will honour her claim.  Good luck 🤞

[dunnster1965]

8 minutes ago, Megabear2 said:

I am pleased to report my aunt is being flown back to the UK tomorrow to continue her treatment here.

 

The debate with the insurer continues following an admission from my aunt's GP that they failed to notify her of a potential heart problem as they overlooked a report from the hospital. She apparently therefore was not aware there was anything to declare to them!

That's the best news I've heard today, what a relief for all involved.

[Edith1950]

That’s really good news and she must be improving to be allowed to fly which must be a relief for you and your family.

[Slugsta]

Megabear, I am so glad that your aunt will soon be home. Thank you for taking the time to update us, it's not as if you have nothing else to do!

[Dermotsgirl]

1 hour ago, Megabear2 said:

I am pleased to report my aunt is being flown back to the UK tomorrow to continue her treatment here.

 

The debate with the insurer continues following an admission from my aunt's GP that they failed to notify her of a potential heart problem as they overlooked a report from the hospital. She apparently therefore was not aware there was anything to declare to them!

Glad to hear that she’s coming back to the U.K. 

[lancashire_cruisers]

So pleased to hear that she’s well enough to come back to the UK. I hope her improvement continues.

[Astrajet]

Delighted to hear that your aunt is now able to fly home to the UK.  I sincerely hope the insurance issue can now be sorted favourably.   Best wishes.

[emam]

1 hour ago, Astrajet said:

Delighted to hear that your aunt is now able to fly home to the UK.  I sincerely hope the insurance issue can now be sorted favourably.   Best wishes.

 

The same here.

[Host Sharon]

On 7/17/2022 at 11:46 AM, jeanlyon said:

Interesting topic.  I was looking at getting cover for the 2 of us for next year.  So I declared our 2 conditions each, but husband had to go to hospital as he was dizzy.  They did all sorts of tests, CT scan etc.  He has Labrynthitis.  So I put in that condition and it said "there are no questions to ask about this condition".  So  what worries me is, say he lost his balance, hurt himself and had to have treatment, would the travel insurance refuse to pay up as I had not mentioned him going to hospital.  There is nowhere on the quote to do that.

One reason why I always apply by telephone, NEVER relying on an online application. Some things need qualifiying, and I then have recordings to fall back on if necessary.

Edited July 19, 2022 by Host Sharon

[indiana123]

On 7/15/2022 at 12:01 PM, Megabear2 said:

£80,000 plus required nursing staff etc.  Clearly there is no way she can at this stage travel on a commercial flight.

I  hope all goes ok.

I thought I would just mention that when I was brought home from Rome, albeit in 2019, my repatriation cost £17,000 which included private ambulances at both ends, a Lehr jet, two pilots and two  Doctors.  A huge amount I know but nowhere near £80k.

 

[jeanlyon]

3 hours ago, Host Sharon said:

One reason why I always apply by telephone, NEVER relying on an online application. Some things need qualifiying, and I then have recordings to fall back on if necessary.

That's what I will do.  Interestingly, I have never declared labrynthitis for him, mainly cos once he gets on the ship, it disappears!  Must be the movement of the ship.

[Megabear2]

19 minutes ago, indiana123 said:

I  hope all goes ok.

I thought I would just mention that when I was brought home from Rome, albeit in 2019, my repatriation cost £17,000 which included private ambulances at both ends, a Lehr jet, two pilots and two  Doctors.  A huge amount I know but nowhere near £80k.

 

Yes we agreed. We have organised our own at fraction of the quote from the insurers. We think they were trying it on to avoid liability.  We have had to pay a great deal for the "supporters" as they've had to come out from UK.

[Billish]

29 minutes ago, Megabear2 said:

Yes we agreed. We have organised our own at fraction of the quote from the insurers. We think they were trying it on to avoid liability.  We have had to pay a great deal for the "supporters" as they've had to come out from UK.

Have you had any further response from Princess/P&O as to how you and your aunt were treated ?

[indiana123]

Don't know who you have got but we had AIS.  They were fantastic.They even rang weeks later to check up on me.

 

Hopefully it will be totally stress free like mine was.  They make you feel totally well care for and safe.

[Megabear2]

4 hours ago, Billish said:

Have you had any further response from Princess/P&O as to how you and your aunt were treated ?

No, I'm afraid not even an acknowledgement.  Sent emails to several addresses provided by my RA and P&O and also on the Princess forum.  Absolutely nothing.