jules57 Posted June 19, 2023 #1 Share Posted June 19, 2023 I see P&O state they require proof of insurance including Covid. I have insurance via my bank account which does appear to include Covid cover. I haven't been issued with a policy schedule as such and the policy wording forms part of a very large document which includes all account benefits. I have downloaded a copy and taken a screenshot of the page referencing the inclusion of Covid cover. Will that be sufficient? Do they physically check to see if you have a policy? Link to comment Share on other sites More sharing options...
Rare david63 Posted June 19, 2023 #2 Share Posted June 19, 2023 9 minutes ago, jules57 said: Do they physically check to see if you have a policy? Never had one checked yet - but that is not to say that it will not happen. Link to comment Share on other sites More sharing options...
Rare Bill Y Posted June 19, 2023 #3 Share Posted June 19, 2023 (edited) 22 minutes ago, jules57 said: I see P&O state they require proof of insurance including Covid. I have insurance via my bank account which does appear to include Covid cover. I haven't been issued with a policy schedule as such and the policy wording forms part of a very large document which includes all account benefits. I have downloaded a copy and taken a screenshot of the page referencing the inclusion of Covid cover. Will that be sufficient? Do they physically check to see if you have a policy? I was in the same position as you a month ago. I asked my TA about P&O checking insurance docs at Southampton. They said that P&O had not made any changes regarding to the customer having to provide proof but they do not check everyone now, but they could always conduct a spot check. They probably said that to cover themselves, they also suggested that I took a screenshot that said that all their polices covered covid. I phoned the insurance company and explained that P&O required proof of cover. They have now mailed me a "Confirmation of travel insurance" It does not mention my name or the policy it relates to but does confirm covid cover, and under cruise cover, repatriation costs. surprisingly it covers travelling even if the FCDO are advising against "all but essential" travel. not that I would wish to go to such a place, Note P&O on embarkation did not ask about insurance cover or health. Edited June 19, 2023 by Bill Y Link to comment Share on other sites More sharing options...
AlanCruise Posted June 19, 2023 #4 Share Posted June 19, 2023 I have the Nationwide Bank account that gives insurance cover. You can get a confirmation letter from their online system. But we did a P&O trip a few months ago and we were not asked for any insurance paperwork. 1 Link to comment Share on other sites More sharing options...
Lee117five0 Posted June 19, 2023 #5 Share Posted June 19, 2023 Since a couple of comments have mentioned the fact that P&O don't check documents, I'd like to point out that they do do spot checks. They asked to see my proof of insurance and made sure to check it contained all of the relevant conditions. Only took about 2 minutes, but they did check. That was late October last year. 1 Link to comment Share on other sites More sharing options...
FamilyCruiserUK Posted June 19, 2023 #6 Share Posted June 19, 2023 Ww have had to put our insurance details on the online booking form for our cruise with a insurance contact number. When we put in our passport details. Link to comment Share on other sites More sharing options...
jules57 Posted June 19, 2023 Author #7 Share Posted June 19, 2023 13 minutes ago, FamilyCruiserUK said: Ww have had to put our insurance details on the online booking form for our cruise with a insurance contact number. When we put in our passport details. Yes already done that. Link to comment Share on other sites More sharing options...
jules57 Posted June 19, 2023 Author #8 Share Posted June 19, 2023 1 hour ago, Lee117five0 said: Since a couple of comments have mentioned the fact that P&O don't check documents, I'd like to point out that they do do spot checks. They asked to see my proof of insurance and made sure to check it contained all of the relevant conditions. Only took about 2 minutes, but they did check. That was late October last year. Interesting. Worse case scenario I take out separate cover if they're not happy with existing details. Obtained a quote just in case Link to comment Share on other sites More sharing options...
Rare Bill Y Posted June 19, 2023 #9 Share Posted June 19, 2023 3 hours ago, jules57 said: Interesting. Worse case scenario I take out separate cover if they're not happy with existing details. Obtained a quote just in case You have not mentioned when you are travelling, I know it’s unlikely but the worst case scenario if you arrive at Southampton and after a spot check they’re not happy they could deny boarding see, www.pocruises.com/travel-insurance. Why not speak to the insurer that provides the policy that is included with your bank account, then you know where you stand and if you need to purchase an extension or another policy. You do not have to have a policy with all the cruising bells and whistles, ie cover for missed ports or for being confined to cabin. My insurer was happy to mail out confirmation of the required cover see above #3, it took about a week. Link to comment Share on other sites More sharing options...
jules57 Posted June 19, 2023 Author #10 Share Posted June 19, 2023 7 minutes ago, Bill Y said: You have not mentioned when you are travelling, I know it’s unlikely but the worst case scenario if you arrive at Southampton and after a spot check they’re not happy they could deny boarding see, www.pocruises.com/travel-insurance. Why not speak to the insurer that provides the policy that is included with your bank account, then you know where you stand and if you need to purchase an extension or another policy. You do not have to have a policy with all the cruising bells and whistles, ie cover for missed ports or for being confined to cabin. My insurer was happy to mail out confirmation of the required cover see above #3, it took about a week. I'm travelling on Thursday to Malta and already have a quote lined up on my phone to accept if there's a problem Link to comment Share on other sites More sharing options...
jules57 Posted June 19, 2023 Author #11 Share Posted June 19, 2023 Just to be on the safe side I've taken out a separate policy Link to comment Share on other sites More sharing options...
Rare Megabear2 Posted June 20, 2023 #12 Share Posted June 20, 2023 19 hours ago, jules57 said: I see P&O state they require proof of insurance including Covid. I have insurance via my bank account which does appear to include Covid cover. I haven't been issued with a policy schedule as such and the policy wording forms part of a very large document which includes all account benefits. I have downloaded a copy and taken a screenshot of the page referencing the inclusion of Covid cover. Will that be sufficient? Do they physically check to see if you have a policy? May I ask which bank? All UK High Street bank policies are underwritten by the top underwriters. They all should cover the P&O requirements although they don't state a cruise holiday they ARE covered. However be aware they do not cover missed ports and in one or two cases cabin confinement costs. The latter would apply if say you were ill with norovirus and confined to your room for 4 days. The special cruise insurance pay out at a daily rate as set out in the policy while you aren't allowed out of your room. There is a special letter of comfort all the banks adopted for cruising. Either chat online with the insurer or call through your bank line. Print it and also download it with your 2 page policy summary, it will be fine as the cruise lines know of these letters and won't question it if you are checked. 1 Link to comment Share on other sites More sharing options...
jules57 Posted June 20, 2023 Author #13 Share Posted June 20, 2023 5 minutes ago, Megabear2 said: May I ask which bank? All UK High Street bank policies are underwritten by the top underwriters. They all should cover the P&O requirements although they don't state a cruise holiday they ARE covered. However be aware they do not cover missed ports and in one or two cases cabin confinement costs. The latter would apply if say you were ill with norovirus and confined to your room for 4 days. The special cruise insurance pay out at a daily rate as set out in the policy while you aren't allowed out of your room. There is a special letter of comfort all the banks adopted for cruising. Either chat online with the insurer or call through your bank line. Print it and also download it with your 2 page policy summary, it will be fine as the cruise lines know of these letters and won't question it if you are checked. Hi. It's Lloyds Platinum. Just to be on the safe side I've taken out a policy specifically for cruises at a cost of £20. A small price to pay for peace of mind. I have and will benefit from the Lloyds policy several times this year for land based holidays so feel I haven't lost out 2 Link to comment Share on other sites More sharing options...
Rare Megabear2 Posted June 20, 2023 #14 Share Posted June 20, 2023 1 minute ago, jules57 said: Hi. It's Lloyds Platinum. Just to be on the safe side I've taken out a policy specifically for cruises at a cost of £20. A small price to pay for peace of mind. I have and will benefit from the Lloyds policy several times this year for land based holidays so feel I haven't lost out Glad you are sorted. Just for your reference the Lloyds policy is perfectly acceptable and is underwritten by Allianz who are one of the very best insurers. Your £20 policy is at least a cheap cost. However please be aware if God forbid you need to claim on it they will insist on split the cost with Lloyds, it's something the companies are getting quite keen on. If it is a specific cruise policy I assume your new one has quarantine, missed ports etc which believe it or not are not req6by the cruise line! 2 Link to comment Share on other sites More sharing options...
jules57 Posted June 20, 2023 Author #15 Share Posted June 20, 2023 31 minutes ago, Megabear2 said: Glad you are sorted. Just for your reference the Lloyds policy is perfectly acceptable and is underwritten by Allianz who are one of the very best insurers. Your £20 policy is at least a cheap cost. However please be aware if God forbid you need to claim on it they will insist on split the cost with Lloyds, it's something the companies are getting quite keen on. If it is a specific cruise policy I assume your new one has quarantine, missed ports etc which believe it or not are not req6by the cruise line! Yes my new policy has missed ports etc. Thanks for the info. As I only took the policy out last night i could cancel it. Thanks again 1 Link to comment Share on other sites More sharing options...
Rare Megabear2 Posted June 20, 2023 #16 Share Posted June 20, 2023 8 minutes ago, jules57 said: Yes my new policy has missed ports etc. Thanks for the info. As I only took the policy out last night i could cancel it. Thanks again Who is the policy with? Also where are you sailing to, if it's Norway you might want the missed ports as there have been several.missed this season and also Guernsey and Marseilles have also had a couple of problems. 1 Link to comment Share on other sites More sharing options...
jules57 Posted June 20, 2023 Author #17 Share Posted June 20, 2023 15 minutes ago, Megabear2 said: Who is the policy with? Also where are you sailing to, if it's Norway you might want the missed ports as there have been several.missed this season and also Guernsey and Marseilles have also had a couple of problems. The policy is with ensure. My cruise starts and ends in Valetta and goes to Greece and Croatia. Decided to leave the policy in place and hope I have no need to claim on it anyway 1 Link to comment Share on other sites More sharing options...
Rare Megabear2 Posted June 20, 2023 #18 Share Posted June 20, 2023 39 minutes ago, jules57 said: The policy is with ensure. My cruise starts and ends in Valetta and goes to Greece and Croatia. Decided to leave the policy in place and hope I have no need to claim on it anyway Good idea. It's very cheap at £20, certainly not seen one that cheap since the pandemic. Link to comment Share on other sites More sharing options...
silversurf Posted May 28 #19 Share Posted May 28 Applied for insurance on Caribbean cruise and been refused by 10 insurance companies. What can I do now, canI cancel my cruise? Link to comment Share on other sites More sharing options...
Rare david63 Posted May 28 #20 Share Posted May 28 1 minute ago, silversurf said: Applied for insurance on Caribbean cruise and been refused by 10 insurance companies. What can I do now, canI cancel my cruise? Obviously you can cancel but P&O's standard terms will be effective - i.e. as a minimum you will loose your deposit. Have you tried the Nationwide account? Link to comment Share on other sites More sharing options...
silversurf Posted May 28 #21 Share Posted May 28 ? Link to comment Share on other sites More sharing options...
Rare Megabear2 Posted May 28 #22 Share Posted May 28 45 minutes ago, silversurf said: Applied for insurance on Caribbean cruise and been refused by 10 insurance companies. What can I do now, canI cancel my cruise? Is that age related, medical grounds, something else? There are specialist companies but they aren't cheap. More information would help. 1 Link to comment Share on other sites More sharing options...
Winifred 22 Posted May 29 #23 Share Posted May 29 12 hours ago, silversurf said: ? Nationwide have very good travel insurance as part of one of their monthly fee accounts. Many folk on here have opened one just for the travel insurance and the fact the debit card attracts no fees when using abroad and the exchange rate for purchases and cash withdrawals is very favourable. 1 Link to comment Share on other sites More sharing options...
alpha whiskey Posted May 29 #24 Share Posted May 29 16 hours ago, david63 said: Obviously you can cancel but P&O's standard terms will be effective - i.e. as a minimum you will loose your deposit. Have you tried the Nationwide account? Nationwide refused my husband due to pre existing medical issue, but Holiday Extras gave a good quote, but now with Barclays via monthly fee on bank account and who charged a very reasonable one off supplement for the condition. I think it's horses for courses. Some will give you cover. Some won't. No rhyme or reason to it IMHO. Link to comment Share on other sites More sharing options...
zap99 Posted May 29 #25 Share Posted May 29 18 hours ago, silversurf said: Applied for insurance on Caribbean cruise and been refused by 10 insurance companies. What can I do now, canI cancel my cruise? If you are prepared to take some of the risk yourself, like missed port payout, try Total travel protection. 2 Link to comment Share on other sites More sharing options...
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