travel insurance through bank account query

[BABBY]

Hi 

we have travel insurance through our bank account and we have been informed that it covers cruises as well,  as per the wording down below under cruise travel:

 

But see Marella state comprehensive travel insurance required, but doesn't mention anything else regarding this?, but our bank travel insurance covers all the same as a land based holiday apart from missed ports/missed excursions as stated below, so take it our bank travel insurance is acceptable to take? 

(I have taken out the insurance provider name)

 

Has anyone had any issues when taking there travel ins (through the bank) with them to the port?

 

Many thanks

 

Cruise Travel

 

Although not specifically mentioned in the policy handbook the .......  travel insurance is a Worldwide annual multi-trip policy that covers trips up to *31 days and does include cover for travelling on a Cruise ship.

 

The ........  travel insurance is not a cruise-specific policy so will not provide cover for missed ports of call or missed excursions due to a change in itinerary for example, if the policyholder requires these benefits they would need to purchase specialist cruise travel insurance.

 

The benefits include but are not limited to:

 

• Emergency medical and associated expenses (including emergency repatriation and Covid-19) up to £10,000,000

• Cancellation or Curtailment cover up to £5,000

• Travel disruption up to £5,000

• Baggage up to £2,500

 

*upgrades available

 

[davecttr]

For many years I had travel insurance with my bank account that covered cruises in pretty much the same way as you describe. i had to make claims and they were speedily met. When i stopped cruising a few years ago I changed to a different account with the same bank which did not have travel insurance but had a cheaper annual price. Now I am cruising again i have bought single trip policies but will consider the bank option again. The bank was NW

[Jayneykul]

I have travel insurance with my bank account (NatWest) and was told by my bank advisor that as it does not have covid cover nor specific cruise cover it was insufficient so I have taken another policy through the post office for less than £100 annual couples cover with covid and cruise even if the bank advisor is wrong for that kind of money and what is going on at the airports at the moment it simply wasn’t worth the stress to me

[AlanCruise]

Marella are only worried about the medical and evacuation cover - which the bank policy provides. We have the Nationwide account with insurance which gives this cover and there is an option to add the extra cruise cover for things like Missed port and confined to cabin, but these are not required.
 

Travelled with it back in January, but they don't look for any documentation to check your policy.

 

If you have the Nationwide policy you can get a "Confirmation of Cover" letter online.

[Jim The Scot]

Same Alan

 

We also have insurance through Nationwide with our flex plus account and it comes with cruise cover(standard)but as you say it covers medical/evacuation/repatriation but not the  likes of  missed port,confined to cabin and the like..Options extras like that with Nationwide cost £40 I think

 

Cruised for years with Nationwide standard cruise cover

 

Get the impression TUI use of the word comprehensive is an attempt to push customers into taking the insurance they offer via AXA?

 

 

[BABBY]

Thank you for your replies - yes we wasn't bothered re cover for missed port

 

So looking forward to going on  a cruise again -  just be glad to get the test over with