Poster: A snowHead
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Morning all
It's that time of the year and our annual family policy is due for renewal. Currently with Insure & Go and they are quoting £113 for family of 4, including 17 days of wintersports cover, and cover for pre-existing conditions (Mr A is diabetic and I was hospitalised with pneumonia earlier this year - no ongoing problems). Before I start trawling for alternatives, does anyone have a recommendation for companies which will cover pre-existing conditions and have proven themselves not to add to the stress in the event of a claim? We have never had to claim with Insure & Go and you really can't tell if they are any good until you do. Many thanks
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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Well, the person's real but it's just a made up name, see?
Well, the person's real but it's just a made up name, see?
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Anniepen, Direct Travel increased our premium after hubby broke his neck, but they were still very reasonable. Claim was not stress free, although medical assistance during his stay in hospital was good. Not entirely DT's fault as it wasn't a straightforward claim due to hospital not being in resort, car being our only transport for the children, etc etc.
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You need to Login to know who's really who.
You need to Login to know who's really who.
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We found the Direct Travel claim process less than satisfactory when Al Phorn ruptured his ACL so I wouldn't ever take out a policy with them again. They argued about every part of the claim, even when the items we claimed for were clearly stated on the policy documents, and they took a long time to pay out. In addition, we previously made a claim on the same policy for a minor injury and that also was not straightforward.
Helen Beaumont, fortunately it sounds like you had a more positive experience with them, having to deal with such a serious injury. But personally I wouldn't be confident enough to go away with one of their policies in place and be sure that they would look after us adequately, should we be in the position of having another injury/incident between us.
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Anyway, snowHeads is much more fun if you do.
Anyway, snowHeads is much more fun if you do.
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DOG TAG every time! I fimly believe one should judge any insurance company (be it Holiday Motor or Household) on it's ability to settle a claim promptly and without fuss.
In complete contrast to Sam and Alphorns experience of Direct Travel
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I have a Dogtag annual family policy.
Unfortunately I needed to make a claim for using the Med centre at La Plagne Centre over Christmas.
I sent the claim form off on January 6th 2009 and the payment was in my bank account on January 16th 2009.
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Thread on claim settlement here
http://snowheads.com/ski-forum/viewtopic.php?p=1137886&highlight=claim#1137886
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You'll need to Register first of course.
You'll need to Register first of course.
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Other people have more positive experiences of claiming with Direct Travel (there have been several threads recently where they have been mentioned).
But claim experiences with Insure&Go seem to be pretty universally negative (including mine).
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Thanks all. I have been quoted more or less the same by Dog Tag as Insure & Go, so will probably take that. The two pre-existing conditions each incur their lowest additional premium of £9.49, but this is due to neither condition causing any day to day problems - this extra premium would be higher if Mr A had ever (for example).... been in hospital due to his diabetes. The only hassle factor so far is that I had to ring a separate number and go through another 'screening' questionaire, having already done it with Dog Tag, which took a further 15 minutes on a non-free number. Thanks for the info and thanks alex_heney, for the heads-up about I & G's claim behaviour.
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You'll get to see more forums and be part of the best ski club on the net.
You'll get to see more forums and be part of the best ski club on the net.
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My other reason for insuring with DT is that I can ski for unlimited trips each winter of up to 17 days at a time. It won't be suitable if we decide to spend longer, but suits us fine at the moment.
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We claimed on Direct Travel last year with no problems whatsoever, although it was a fairly straightforward clinic/hospital claim. The premium this year, and I've just renewed, didn't seem to have been increased - £64 annual for a couple.
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snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
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cathy, ours only increased because hubby was still seeing the consultant when the policy came up for renewal (we were going to EOSB or I would have left it for longer to renew). I think they added £40 onto the premium, but it was still less than many others were asking.
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And love to help out and answer questions and of course, read each other's snow reports.
And love to help out and answer questions and of course, read each other's snow reports.
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DOGTAG - used them for the last 4 years and made one claim which was sorted very quickly and without any hassle. Wouldn't consider going anywhere else.
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Direct Travel, when I had to claim last year after I blew my knees they were superb with support, repatriation and paying up! I think I've had to pay an extra £25 this year to cover my torn ACL but I've got no issue with that.
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You know it makes sense.
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Quite good experience with snowcard when I ruptured an Achilles tendon a few years back. I like their modular approach to cover, too.
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Otherwise you'll just go on seeing the one name:
Otherwise you'll just go on seeing the one name:
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Snowcard are good according to OH - he didn't have to pay any cash for his blood wagon off mountain with concussion a few years ago! Only claim experience we have. Also covered my 1 week before wrist surgery with a note that I wasn't travelling against medical advice but didn't have to claim on that trip, so no idea if they'd've tried to wriggle out.
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Poster: A snowHead
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Snowcard - major knee incident in Colorado (costing tens of thousands of dollars). They were brilliant.
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