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We are off on a cruise in 3 weeks time, so have spent today trying to find a reasonable insurance quote. I was getting silly £900 quotes, this is for one weeks cruise to Spain from Southampton. I then stumbled across onestop4travelinsurance. I’ve got cruise cover for myself (I have endometrial sarcoma metastatic to my lungs) and my partner for £46. Very happy.
After reading these posts I tried Boots Travel Insurance. My cheapest Meerkat quote was £165 but Boots quoted £45. Not much fun having to go through my medical history but worth it to save £120. So thank you to everyone who recommended Boots.
Woohoo! At last a quote that was reasonable.
I have had Serous Uterine Cancer stage 2. I have undergone hysterectomy, ovaries/fallopian tubes gone, plus 15 lymph nodes. I've undergone 6 sessions of chemotherapy plus 25 external radiotherapy and 2 brachytherapy. A planned holiday to the Caribbean was proving to be a mare in regards to travel insurance.
My perseverance has paid off. I've paid £246.31 for 15 days Gold cover for both myself and my husband through Boots. All my op/treatment/high blood pressure are covered. This was something others wouldn't cover. A far cry from my first quote of £5900.00 and the lowest recent quote I had over the phone was £552.00.
I know it's a pain filling in all the online questions or answering the same thing over the phone but it really does pay to keep trying.
The underwriter behind Boots Travel Insurance, TIF, were reported in The Times to be under investigation for fraud by the FCA. They also report that their medical adviser is under investigation by the GMC. Cover magazine this week reported on a ruling by the financial ombudsman who indicated that they failed to do fulfil their obligations. A man had a heart attack in Lanzarote and they refused to move him anywhere to get treatment, despite the treating doctor begging them to move him. He died after the family finally arranged their own air ambulance. TIF only paid for that air ambulance after The Times approached them for comment regarding allegations of fraud.
Looking on trustpilot, all their brands look great. But read these reviews. They are all discussing how easy it is to buy a policy. Only a tiny fraction need to claim, and when they do, it's a horrendous experience. More often than not, those who have claimed, leave their review on both the 'brand' page, boots, holidaysafe, alpha, and the underwriter's own page, which they tried to have taken down to hide their actions.
Have a look for yourself, some of the reports are harrowing. Avoid any policy underwritten by Travel Insurance Facilities.
Trustpilot - https://www.trustpilot.com/review/www.tifgroup.co.uk
Cover Magazine - https://www.covermagazine.co.uk/cover/news/3077111/travel-insurer-failed-to-fulfil-obligations-to-man-who-suffered-heart-attack-fos
BBC - https://www.bbc.co.uk/news/business-46274918
I was fully aware of this before I took out my boots insurance.
I actually feel that because they are under an investigation now that they will feel less likely to avoid claims now because of this.
Like all these things, you only ever hear of the horror stories which unfortunately do happen, you don’t hear about all the satisfied customers.
boots is a reputable company and I personally won’t avoid because of a handful of incidents like this.
"I actually feel that because they are under an investigation now that they will feel less likely to avoid claims now because of this."
I thought this as well. But the horror stories are still coming in. Even this week, one couple were moved by TIF out of a hospital in Bali, into another hospital who couldn't even provide water, just to save money. They tried to sue The Times for libel, and the first hearing fell on the side of The Times, with a particularly scathing report from the judge.
"Like all these things, you only ever hear of the horror stories which unfortunately do happen, you don’t hear about all the satisfied customers."
If only this were the case. They rely on their review accounts, boosted by thousands of people who rate them 5 stars because they're easy to buy from, especially for those with medical conditions. Bad reviews are buried amongst these which provide a false picture.
"boots is a reputable company and I personally won’t avoid because of a handful of incidents like this."
Boots have so very little to do with their own insurance. Once they sell you it, you never deal with Boots again. If you're aware of all of this, and wish to take their insurance, that's your prerogative. I can only warn everyone based on my first hand experience with how they operate.
It’s a personal choice. Reading most of these reviews it seems like the low ratings are for people who have claimed and it’s taken a while to get through and maybe a bit longer to get their money.
most people are getting their money and actually I’ve had some experience with insurance companies and it does actually take a while for the whole process.
like I say, it’s a personal choice. For me, boots insurance made it possible for me to go away this year and if I did have to claim I take my chances.
it also depends on detonations you are travelling to. In Europe I’m more than comfortable that I’d be given the right care in any hospitals , maybe if I was going to Bali for example I would reconsider.
so I think it’s depends on where you are travelling and your own personal circumstances.
From my own recent experience I have found having to make a medical claim on my Boots / TIF policy horrendous. I was hospitalised for just a few hours in Miami and the bills come to $10,000 which are still unpaid and pending. This was an incident at the end of February and after this story originally broke. I feel that I’ve paid a premium but in fact there’s no intention of a payout on behalf of the insurer. Beware.
Sorry to hear that. I hope you get your money back soon - I suspect they will pay out eventually.
let people make their own decisions though.
The point of this forum is to allow people to make their own informed decisions. I don’t get your last point.
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