CHECK OUT YOUR INSURANCE ? (UPDATE) (Travel Insurance in general)

Member Name: ibiza

Product:	Travel Insurance in general
Date:	27/07/00 (450 review reads)
Rating:

Advantages: none

Disadvantages: using your spending money

A word of warning to all those going on holiday, we have just been to Ibiza, unfortunatly my seven year old son started complaining of ear ache, and kept me up all night crying, so I duly called the doctor, which I assumed my Thomson medical insurance would cover, and we would not have to make any payment. To my shock when I produced my insurance papers, I was told I still had to pay for the treatment a total cost of £64, the doctor explained that with the Thomson insurance you have to pay all costs up front, and claim it back when you arrive home. This was not so bad for just an ear infection, but it was also the same if you needed hospital treatment, which could lead to thousands of pounds. We were unaware of this when we took our medical insurance out, and advised by the doctor, either to get Lunn Poly insurance or Going Places, as with this you just produce your certificate and the insurance covers the cost with out having to pay up front, and the hassle of claiming it back when you get home.

(UPDATE)

Not only do you have to claim your medical fees back when you get home, but it has also taken seven weeks to receive a cheque from them.

On opening the cheque I was also informed that I had paid the excess, which was a cost of thirty pounds. I think this is disgusting on medical fees, I could understand if it was personal belongings with no proof of damage or any kind of police report, but not when you have sent of a written letter from a doctor, and receipts from the chemist.

Next time I will be more careful when taking out any medical insurance. And I would advise you to do the same, always check that your medical insurance covers cost when you are away.

Summary: