Accepted proof of insurance

[DiLC]

When one has travel insurance is bank account what does P and O accept as proof of such? 
in the past it’s just been bank letter but is this enough ? 
Thanks 

[david63]

I am not aware of P&O requesting proof of insurance

[DiLC]

Vitrocmax quotes an email outlining requirements and the no spirits reminder in which it says evidence of travel insurance is required. 
just covering all bases and I know many use bank cover but apart from a yearly reminder of benefits I have not seen a certificate of sorts. 
during Covid resettlement we had letter from bank. Thanks 

[kermchem]

Boarding Azura in Tenerife recently the clerk at the checkin desk only wanted to see boarding pass and passport. No interest at all in travel insurance, which in our case is via bank account with no paper evidence. What happens if you cannot get bank app to open in the terminal?  Bank app on iphone does not allow you to take a screenshot. My solution was to use another phone / ipad to photograph my phone with the page from the bank app and put that photo on my iphone. 
The reality is that I doubt if checks of travel insurance are being made, and the staff at check in desks would not know what they are looking at. 

[AlanCruise]

The Nationwide bank account travel insurance can supply a Confirmation of Cover letter from the insurance web site.  But you are unlikely to be actually asked to show it.

[kalos]

As others have said they never ask for proof but as an heads up ,last year 

when Mrs K ended in Ventura's medical centre ,this was one thing the Dr 

asked for and took it away to photocopy for their records .

So we now carry a copy on our phones and a print out of the valid policy .

 

Much better to hand over a bit of paper at 3am in the morning when your 

Mrs is ill and your heads all over the place .

[purplesea]

I had/have insurance with our bank and have got a policy booklet which covers all the required information as well as a letter.

I have had to take out a seperate insurance, as the bank will not cover my medical condition. With that insurance I have printed out the relevant details and downloaded the whole policy on to my ipad.

 

[kevboy]

I bank with Nat west and there was no problem getting a confirmation letter and certificate of insurance. You need to do this annually when you are declaring medical conditions and paying the additional cost.

[jh1809]

1 minute ago, kevboy said:

I bank with Nat west and there was no problem getting a confirmation letter and certificate of insurance. You need to do this annually when you are declaring medical conditions and paying the additional cost.

I have a current account with NatWest and have done for years, but I was unaware that they offered travel insurance. They've certainly never mentioned it to me. Perhaps it's only available with certain types of account?

[grapau27]

1 hour ago, DiLC said:

When one has travel insurance is bank account what does P and O accept as proof of such? 
in the past it’s just been bank letter but is this enough ? 
Thanks 

When you check in on my P&O you fill in all of your details regarding 

Passports.

Insurance company.

A non cruising contact details.

Credit card details.

Photos.

I keep a screenshot of our policy details on my phone.  I have been asked if we have insurance a couple of times at the terminal but never asked to show proof.

[terrierjohn]

4 minutes ago, jh1809 said:

I have a current account with NatWest and have done for years, but I was unaware that they offered travel insurance. They've certainly never mentioned it to me. Perhaps it's only available with certain types of account?

You need a flex plus account, which has a monthly fee of £13, which then gives you worldwide travel insurance, but medical conditions are extra.

[kalos]

2 minutes ago, terrierjohn said:

You need a flex plus account, which has a monthly fee of £13, which then gives you worldwide travel insurance, but medical conditions are extra.

 

John that is for Nationwide not Natwest which you have replied to.

 

Hope your cruise is going well .

[terrierjohn]

Just now, kalos said:

 

John that is for Nationwide not Natwest which you have replied to.

 

Hope your cruise is going well .

Sorry, I must learn to read things more carefully.

[grapau27]

9 minutes ago, terrierjohn said:

You need a flex plus account, which has a monthly fee of £13, which then gives you worldwide travel insurance, but medical conditions are extra.

Unfortunately it is the medical issues that bump up the insurance price considerably and you need a specialist Medical insurance company for your travel insurance.

A good friend has just had a dementia diagnosis and given medication and when they told the insurance company the company cancelled their policy.

 

[jh1809]

12 minutes ago, terrierjohn said:

Sorry, I must learn to read things more carefully.

Not to worry. After all, they are both NW. 🙂

[Cloudyrain]

In theory they may do a spot check and ask to see proof of insurance, but if you have it on your bank you should be able to access the details via your banking App: if not you can get a letter from your bank confirming your coverage. 
 

 

[DiLC]

Thanks one and all. We did get letter from bank immediately after Covid but you then forget when everything lapses back to normal. 
NatWest not the sharpest when asking for letters so will get asking now. 
Di 

[terrierjohn]

3 hours ago, grapau27 said:

Unfortunately it is the medical issues that bump up the insurance price considerably and you need a specialist Medical insurance company for your travel insurance.

A good friend has just had a dementia diagnosis and given medication and when they told the insurance company the company cancelled their policy.

 

All banks use an underwriter to provide the insurance and these cover the medical cond6itions. So fat the Nationwide medical excess has been quite reasonable.

[jh1809]

6 hours ago, jh1809 said:

I have a current account with NatWest and have done for years, but I was unaware that they offered travel insurance. They've certainly never mentioned it to me. Perhaps it's only available with certain types of account?

To answer my own question, I've just done a web search and found:

"Which accounts come with travel insurance?

Our Silver bank accounts come with European travel insurance. Our Platinum and Black bank accounts come with Worldwide travel insurance."

So the account I have doesn't qualify.

[john watson]

8 hours ago, david63 said:

I am not aware of P&O requesting proof of insurance

I think you are correct and as such only very silly people do not bother to acquire any.

 

Regards John

[yorkshirephil]

16 minutes ago, john watson said:

I think you are correct and as such only very silly people do not bother to acquire any.

 

Regards John

It is a condition of travel with P&O that you have adequate insurance. We had ours checked on a post covid cruise on Arcadia but not since. As you say it would be silly to risk not having it.

[david63]

1 hour ago, john watson said:

I think you are correct and as such only very silly people do not bother to acquire any.

 

Regards John

I never suggested for one minute that you should not have travel insurance, just that nobody asks for it.

[kruzseeka]

I have asked for a paper copy from Nationwide each time we renew with medical conditions noted with any upgrades. It has your policy number and the time period covered. I wouldn't travel without it.  If asked I have it to hand - just in case we ever needed it in an emergency irrespective of whether we might be subject to a spot check at embarkation.   

[john watson]

4 hours ago, david63 said:

I never suggested for one minute that you should not have travel insurance, just that nobody asks for it.

I understand, David.   I never thought for a minute you were suggesting to not bother with insurance it is just that some people might infer that because it is not looked into by the cruise line to try and behave in an irresponsible manner thinking they are saving what it in many cases a fair sum of cash.  The risk is enormous if you are helicoptered off the ship or it diverts to an unscheduled port.

Regards John

[ovccruiser]

I have a Natwest Platinum acc and pay monthly to get worldwide travel insurance with medical conditions(hypertension) under control no excess. However when I reached 70 the cover price went up by seventy five pounds a year, quite standard for age related extension. The monthly premium also covers AA membership and mobile phone insurance. I have checked prices, and for my age (72) my monthly premiums and well cheaper than most standard travel insurance companies. I can't say all, as there is probably one I have missed.