Flexicover Travel Insurance - www.flexicover.co.uk

Flexicover Travel Insurance - www.flexicover.co.uk
★★☆☆☆
2.1
25.0% of users recommend this
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Latest Reviews

“SHOCKING SERVICE”

★☆☆☆☆

written by pstock on 30/09/2019

One star - only because there is no option for 0 stars !!! Family relative is stuck in Turkey with his partner at the moment after an unforeseen emergency operation - now thankfully he is out of hospital and fit to fly as confirmed by letter from the hospital , they should have been returning home today/tmrw - however Flexicover who have been shocking in communicating have now advised it will possibly be Thurs/Friday and don't know if the hotel they are in can accommodate them until this time we need to get them home asap to their young daughter who is being looked after by another relative, there is no urgency at all by Flexicover to sort this out - absolutely shocking service !!

Was this review helpful? 1 0

“Watch out for the Medical Screening costs”

★☆☆☆☆

written by jilpil on 24/09/2017

I have used Flexicover for Travel Insurance for many years and have even recommended to my family - Never Again! When taking out the policy, I declared, as always, High Blood Pressure, RSI and a Slipped disc (from years ago). I was charged a Medical Screening premium of £14.40 on top of the cost of the policy which wasn't too bad. After 5 years of High Blood Pressure, my Doctor has recently prescribed an additional tablet to use in conjunction with my normal tablet. I called Flexicover to advise this and fully expected to pay an addition premium. I did not expect to be charged an extra £79.94!!! I argued this for quite a while but got nowhere so had to pay as I have a holiday already booked to travel in 8 weeks. How can Flexicover justify this mark up?

Was this review helpful? 5 0

“Economical with the truth”

★☆☆☆☆

written by Kylie1964 on 26/07/2017

new quote came through, went from £63 to £181, Ha! said it was too expensive. Stated I bought policy through go compare and not direct, so what!offer me reasonable quotes not to try and rip me off.

Flexicoverhelp's Comment

Written on: 01/08/2017

Thank you for submitting a review. We do have a wide range of products available which can be purchased through different channels. These will have varying benefits and we do always ask that customers check their policy documentation to make sure that the cover levels offered suit their needs. Some products are only available from us direct but they will have superior benefits available. We do have Customer Service departments that can provide you with more information about any of our products or more information about a quotation and our contact information can be found on our website.

The Flexicover Team

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“No cover at all”

★☆☆☆☆

written by Millneil on 21/07/2016

Had a accident so took myself to hospital as was not sure if I had broken my thumb No one in hospital spoke English but I managed to determine that I had a small fracture which they bandaged and splinted. Being a hairdresser I was worried that this was the right thing to do and was unable to speak with the doctor properly. I rang flexiecover to see if iemail the X-ray or could they arrange for me to speak to a doctor I was told because I did the most logical thing and went to the hospital first that it had nothing to do with them as I should have check with them first. After taking my money for many years I will be cancelling and finding a better company and passing this story on to as many people as possible so they don't waste there money with them

Flexicoverhelp's Response to Millneil's Review

Written on: 17/08/2016

We are sorry to hear about your accident during your recent trip. Our Policy clearly provides full details of a 24 hour Medical Helpline. Our Insurers have access to the best English-speaking hospitals to take good care of our clients and discourage DIY remedies for this very reason. It is inappropriate to discuss personal medical care in this forum but kindly note that you have a right to complaint as clearly detailed in our policy. If you are still not satisfied, you can take the matter up with the Insurance Ombudsman, whose ruling is binding on our Insurers but not you. Our policy clearly details these steps and you can be assured of fair treatment. If you still need assistance, please contact our Customer Services Department. We do hope that your thumb is repairing well and that you are now on the road to full recovery.

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Millneil's reply to Flexicoverhelp's Comment

Written on: 17/08/2016

I do intend to contact all the above people that you mentioned but to say that I did a DIY job by going to the doctor and following he's referral to the hospital is unbelievable

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Was this review helpful? 4 1

“Don't be afraid to formally complain if you're not happy”

★☆☆☆☆

written by DimeBar1969 on 19/07/2016

This policy was/still is recommended on several comparison websites. The price is competitive and the cover sufficient for our needs. THAT WAS THE GOOD PART? ITS ALL GOING DOWN HILL FROM NOW ON......... Beware the Declaration form for "pre-existing medical condition" I've copied and pasted the section below. --------------------------------------------------------------------------------------------------------------------- What is a pre-existing condition? You should tell us if you: a. have any medical conditions for which in the past 2 years: i. you have had or are waiting for any consultations, investigations or follow-ups; ii. you are having or have had treatment or prescription medication; iii. you have been on a waiting list, or knew you needed surgery, inpatient treatment or tests at a hospital or clinic at the date you bought the policy or the booking date of your trip; b. have had treatment for cancer in the last five years; or c. have EVER been diagnosed with or treated for any of the following: i. heart attack, angina, chest pain(s), or any other heart condition ii. high blood pressure, blood clots, raised cholesterol, aneurysm or circulatory disease iii. any form of stroke, TIA (Transient Ischaemic Attack), or brain haemorrhage ---------------------------------------------------------------------------------------------------------------- ALL CLEAR SO FAR? The key phrase is the "2 years" timescale. I suffered from severe back pain in 2012. Because it happened over 2 years ago, I never declared this as a pre-existing condition as a requirement clearly stated in their own declaration form. Unfortunately, my back spasmed a day before my holiday and my GP declared me Unfit to travel. I therefore had to cancel my holiday. I claimed off my Holiday insurance and after what seemed a pre longed wait, was declined payment. The reason they gave was my "failure to declare a pre-existing medical condition". I felt aggreaved by their decision so I complained by letter informing them their own conditions are unclear and misleading. They were asked to reconsider my claim and reminded they had eight weeks to investigate my complaint otherwise I would escalate my grievance to the Insurance Ombudsman. Four working days later, I had a cheque for full settlement of my claim. The moral of this long winded story is - SOD 'EM!!!!! If you're not happy with the service - complain

Flexicoverhelp's Response to DimeBar1969's Review

Written on: 21/07/2016

Our insurers follow high standards and provide each customer with a route to have their claim reviewed if dissatisfied in anyway. Good to hear that all is now resolved for you. We look forward to continuing to be of service to you again.

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Dimebar1969's reply to Flexicoverhelp's Comment

Written on: 21/07/2016

Thank you for your response.

The purpose of this review was to point out to everyone not to accept your first refusal. A reoccurring theme from my own personal experience and from other customers of yours, is your reluctance to pay out on claims.

Your claims handlers - Travel Claim Services - are refusing payment of claims even if these are obviously acceptable. How many of your customers have begrudgingly accepted your first refusal, when they should have been paid. How much money have you saved by not paying out perfectly reasonable claims.

Travel Claims services are not abiding by your own guidelines. Therefore you are getting poor reviews on here and other websites. According to the Financial Ombudsman's website, Travel Claims Services have over a hundred cases against them being investigated. Not very promising is it.

If i was you i would change Claims Handlers.

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Was this review helpful? 4 0

“DO NOT BUY FLEXICOVER INSURANCE”

★☆☆☆☆

written by Barbados2014 on 13/07/2016

It's only now that me and my girlfriend are due to go on holiday again that i came across this review site whilst looking for quality travel insurance. We purchased "Platinum" travel insurance from Flexicover in 2014 which, after reading all policy detail, i thought covered us for all eventualities with it's £10,000,000 medical cover - i could not have been more wrong. We went on a 2 week Caribbean cruise January 2014. On our transfer back to the airport in Barbados, my girlfriend felt awful, lost the ability to walk, the ability to speak and began shaking uncontrollably. Airport staff immediately took us to a local clinic and then the local hospital which i'm sorry to say was filthy and completely understaffed - we waited over an hour with my girlfriend shaking in a wheelchair continually reassuring her it would be ok before a cruise rep asked if we would prefer to go private. We immediately did this and my gf got the attention she urgently needed after her condition worsened. Upon calling Flexicover (underwritten by Mapfre) and explaining all of the above in further detail, i was asked why i had gone private. I was literally lost for words at their response. I was then informed that Flexicover WOULD NOT cover the cost of any medical bills until we were repatriated back in the UK and that i should cover all costs and collect all receipts. This was highly distressing as board at the private hotel, doctors hours, medical supplies, ambulance usage, physio all came at cost which (after 5 days in the hospital) came to over £12,000. Luckily, family were by chance in the country at the time and helped out with all costs. I spoke to representatives from both Flexicover and Mapfre about this and they were entirely unwilling to assist regardless of medical bill copies readily available to fax to their offices for them to authorize payment for. Additionally, after 5 days, we were cleared for a flight home once my gf was able to walk 5 paces with no assistance and when i notified Flexicover that we wanted them to arrange the flight home the following day, they said they could not do so without them having a faxed doctors letter confirming repatriation. I supplied this and they then confirmed they were unwilling to book the stated flight with available spacious seating which my gf needed for medical reasons and that we should find a hotel until they could find a suitable flight. At this stage, i was furious. Over £12,000 down due to medical bills, i refused their advice and booked the flights with help from family which is very lucky as the physical state my girlfriend was in needed specialist attention asap to prevent lifelong effects. Flexicover / Mapfre have to this day not reimbursed us for expenses regardless of all receipts being presented. In fact, they "lost" the originals which i sent special delivery on my first attempt - luckily, i had photocopied everything. Regardless of having over £10,000,000 medical expenses "cover" with this platinum policy, after literally 8 months of phonecalls, emails and letters, we are still over £3,000 down due to their appalling, unprofessional, inhuman and ruthless attitudes. I find it unbelievable that this company are still in business. The amount stress and worry caused by this experience still effects us today. It took over 12 months of physio and speech therapy to get my gf back to herself so this highlights the condition she was in when she initially took ill. My advice would be to avoid this company at ALL costs and do your research before buying Travel insurance. It will not be often that you need to activate travel insurance policies in your lifetime but when you do need it, the value of a good quality company is priceless.

Flexicoverhelp's Response to Barbados2014's Review

Written on: 20/07/2016

We are very sorry to hear of your girlfriend's experience. Local services (e.g. airport and medical care) are beyond the direct control of insurers as you will appreciate and our insurers monitor EVERY medical case on a 24/7 basis. A number of your comments pertaining to the insurer's service may not be fully appreciated, but this is not a forum for such discussions. Our insurance policy lays down a clear method of complaints but we would be very happy to fully investigate your complaint at a senior level. Your anonymous status precludes us from contacting you but please contact us and we will do our best to resolve your dissatisfaction upon receipt. We hope and pray that your girlfriend has recovered fully now. The Flexicover team

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Barbados2014's reply to Flexicoverhelp's Comment

Written on: 20/07/2016

Yes, i am well aware emergency services are out of your control.

What IS in your control however is the ability to aid clients when they require your assistance - something you failed upon at every single stage of the management of this case ranging from initial support to aftercare when we were repatriated into the UK.

You say your insurers monitor every medical case but not ONCE did i receive a call from Flexicover / Mapfre requesting an update on my girlfriends medical condition - i ran up a phone bill of over £400 contacting YOU from Barbados requesting assistance only to be told to "collect receipts" or "wait to hear from us".

I would still be in Barbados now if i had followed your advice.

Yes it does lay out a complaints procedure, I followed this only to be passed from pillar to post by multiple uninterested members of your company who were of no help whatsoever in recovering funds - as mentioned, they lost the first set of original receipts!!!

This forum is for customer reviews - i will comment on the highly unprofessional service i received in any way i please.

I have no intention of contacting you - you had every opportunity to assist and discuss the aforementioned issues across a 10 MONTH period but were uninterested.

Only now that the review is accessible to public do you feel the need to be attentive!!

The purpose of this review is to highlight the risk of selecting Flexicover Travel insurance as i would not wish my experience on my worst enemy.

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“Terrible”

★☆☆☆☆

written by Kimberley1981 on 12/05/2016

Purchased flexi cover insurance for me and my family travelling to Cyprus. My 19 month old daughter hurt her leg and couldn't walk on it on the first day we was there. Our hotel called us a taxi to the closest hospital, when I called flexi cover insurance the lady was exstreamly rude and told me we should have gone to an nhs hospital and not a private practise I kept asking the question as to whether they would cover the bill and she kept insisting we needed to re-direct to nhs so they wouldn't have to, in the end I put the phone down and covered the bill ourselves as we wasn't getting anywere with flexi cover, not worth the paper it's wrote on AVOID.

Flexicoverhelp's Response to Kimberley1981's Review

Written on: 12/05/2016

We are sorry to learn about your daughter’s recent injury whilst you were travelling and hope that she is now on the path to recovery. All of our policies do provide reimbursement for medical expenses incurred during a trip and details of the claims process are contained in your policy document. Some policies do have an excess on this section of the policy which is waived should use any EHIC services that are available at a European destination. It is unfortunate that this was not explained in more detail at the time of your request for assistance and we are sorry that this occurred and are in touch with the teams about this. Whilst we do not get involved in claims, we are always here should you need to contact us for further information and if we can help in anyway with the communication process. In this instance do get in touch with our Customer Services who would be happy to assist.

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“Do not use flexicover.”

★☆☆☆☆

written by RubiBlair on 23/03/2016

Only of any use if you don't have to claim. Refused any claim for out of pocket expenses caused by flight cancellation due to French air traffic control strike. Since the same happened to us last year and we'd had a battle with Ryanair insurance we decided to take out better cover. Ryanair did pay out our expenses in full after lots of squirming. Flexicover have refused point blank to consider our claim. Nor will they refund our premium for their completely useless travel insurance. What is the point of travel insurance which doesn't cover anything you are likely to claim for. Even the health care aspect is covered by reciprocal EU agreement. They pester you nonstop by email. If you need to talk to anyone he is likely to have a broad Asian accent and will fire meaningless words at you until you'd rather watch paint dry. Shonky practice all round. We feel we were missold insurance. Ryanair cover is half the price and yet we managed to win the battle with their insurance last year.

Flexicoverhelp's Comment

Written on: 30/03/2016

Whilst travel insurance covers a number of eventualities, where a trip cannot be fulfilled by an airline EU regulations require the airlines to offer you either a full refund of the unused parts of your tickets, or to re-route you to your destination, as soon as possible. Regarding any claim dispute insurers have procedures in place whereby your case can be reviewed. Whilst we do not handle claims we can provide you with more information about these procedures. Please contact our customer services department if you need more information .

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Far4495's Comment

Written on: 27/05/2016

Im in Manchester I have just had a very bad experience.

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“Sharp practice”

★☆☆☆☆

written by pwDalton236 on 07/01/2016

This company issued an automatic renewal notice for multi trip cover indicating a ten per cent discount had been applied since last year. On enquiry the cover had been significantly downgraded without any alert to the fact. Sharp practice in my view.

Flexicoverhelp's Comment

Written on: 22/01/2016

We are sorry to hear about your dissatisfaction, please call our Customer Services Department who would like to look at this in more detail for you. Their telephone number can be found on our website. The Flexicover Team

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“No cancellation cover ”

★☆☆☆☆

written by twRoach66 on 15/10/2015

Flight cancellation cover is not covered as standard. It's an optional extra hidden with ski and golf equipment cover. Please check your policy covers this. We had a flight cancelled 1 hour before boarding. Booked new flight etc. We returned home and called flexicover who said we were not covered if airline cancelled that is under travel disruption. Which is an optional extra.I will never use flexicover again bad company deliberately avoiding something that should be standard cover. Not worth the payment for no cover. Avoid avoid avoid. Use a better company with better cover. Very disappointed.

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“No cancellation cover ”

★☆☆☆☆

written by vfParsons309 on 15/10/2015

Had taken out cover with this company, and then had a flight cancelled 1 hour before boarding. Re booked flights etc. Called flexicover when we returned to be told cancellation does not cover flights when cancelled by airline this comes under travel disruption which is not standard cover it is an optional extra. Many people like me would expect that to be standard.so please check this when booking insurance cover otherwise it can be costly. I found out the hard way. Never will I use this company again.putting this optional extra with golf and ski equipment option is I believe in the wrong place and is only there to be hidden. Should be clearly stated at the beginning oh yeah then people wouldn't buy it.

Flexicoverhelp's Comment

Written on: 06/11/2015

We are sorry to learn about the inconvenience that you suffered when returning home from holiday. Whilst our travel insurance policies cover most common travel risks, we are not able to provide cover for every eventuality and in some cases the obligation to the customer may in fact lay with a travel provider. In cases such as yours, you may be entitled to some form of compensation from the airline.

Please refer to the airline website as they should have further information about delay and cancellations which we hope will be able to assist you further.

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“Fantastic service”

★★★★★

written by Jovanny292 on 14/09/2015

whilst in Turkey I contracted gastroenteritis amongst other things, the service I received was outstanding. Whilst in hospital my partner was in a panic (not useful when you're not well) and everything was taken care of! Repatriated and reunited with our car at a different airport to where we landed. Just a brilliant experience when you are proper poorly. 10/10

Flexicoverhelp's Comment

Written on: 08/10/2015

Thank you for taking the time to submit your review and to let us know about your positive experience in regards to the care you received when you fell ill on your trip. We hold our customers central in everything that we do and all feedback we receive is very helpful to us. We do hope that you are now fully recovered and if we can be of any further help, now or in the future, please do get in touch. The Flexicover Team.

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“Good and Bad”

★★★☆☆

written by Braxtonv10 on 02/09/2015

Good - my claim was dealt with quickly and easily. Really nice people on the phone, from Travel Claims Plymouth, who deal with Flexicover claims. The forms were sent promptly, and claim processed efficiently. Bad - no money arrived for a month. I rang and emailed several times, to be told it was a glitch, and would be sorted. Nobody ever contacted me, even to tell me the money had eventually been paid. But, I would use them again, they were helpful and sympathetic, and the premium was very reasonable. Well, cheap actually!

Flexicoverhelp's Comment

Written on: 03/09/2015

Thank you for submitting your review and letting us know about your experience. We are pleased that overall you have found us good value for money and that the initial service received by you was of a good standard. We would however like to apologise for any communication difficulties that arose during the final stages of your claim and we will contacting the insurers regarding this to see what process improvements need to be made. We hope that will continue to choose Flexicover Travel Insurance for your future travels.

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“Awful insurance company ”

★☆☆☆☆

written by Paola321 on 14/08/2015

My partner and I had to jump off a burning boat into the middle of the sea in Thailand and lost all of our belongings ( literally not even a pair of shoes to our name) The whole experience was so dreadful. When we began to sort out our claim with Flexi cover they showed no compassion or customer care. It took us four and a half months to get money from them which no where near covered what we had. Because my partner didn't have many recipts for clothes, they refused to include those. They wanted proof of every little detail and even payed for only a smal proportion of our passports. I had to phone them constantly to get any answers. Bearing in mind we lost everything and were pretty traumatised, Flexi cover only added to this and did not lift a weight from our shoulders at all.

Flexicoverhelp's Comment

Written on: 14/08/2015

Thank you for taking the time to submit a review. Though we don’t get involved with the handling of claims, we’ll try to provide assistance where feasible. We would point out that the policy terms and conditions of most travel insurance policies are fairly standard and, this also includes the documentation needed should a loss occur. Where a decision has been made by the claims assessors, if you feel that you’ve been unfairly treated or that the claim has not been assessed properly against the policy terms, an insurer will have a complaints procedure available. If you’d like us to request details of this from the insurers, please let our Customer Services team know and we will arrange this on your behalf.

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“Policy excess”

★★★☆☆

written by Cofroad on 03/04/2015

I have just taken out the very basic insurance cover for a 10 day trip to Ireland. I have just read the first part of the detailed cover and I was pleased to read that I am covered for: Emergency dental treatment £250 with an excess of £250 Single item, pair or set for £100 with an excess of £250 Valuables in total £200 with an excess of £250 Cash £200 with an excess of £250 Looking forward to making a claim?

Flexicoverhelp's Response to Cofroad's Review

Written on: 14/04/2015

Thank you for your review. In many cases insurers will charge a lower premium when the excess is high, as the they are not exposed to lots of smaller claims. We do have a range of policies which offer different excess levels and some no excess at all. If we can help any further, please contact our Customer Services who will be happy to assist and answer any queries you have.

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Leeboyo1's reply to Flexicoverhelp's Comment

Written on: 13/05/2015

But as a decent reputable insurer. How can you justify charging more excess than you're actually covering for. Surely this is an oversight and voids the cover from from the policy and should be removed. Who in their right mind would pay £250 in order to receive maximum £200 worth of treatment?
Why factor in such ridiculous non existent cover when it could be completely removed to lower the price further and make you even more competitive.
It just smells a bit dodgy to me. I've used you for man years but this seems underhand and tarnishes your reputation in my eyes.

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Leeboyo1's reply to Flexicoverhelp's Comment

Written on: 13/05/2015

But as a decent reputable insurer. How can you justify charging more excess than you're actually covering for. Surely this is an oversight and voids the cover from from the policy and should be removed. Who in their right mind would pay £250 in order to receive maximum £200 worth of treatment?
Why factor in such ridiculous non existent cover when it could be completely removed to lower the price further and make you even more competitive.
It just smells a bit dodgy to me. I've used you for man years but this seems underhand and tarnishes your reputation in my eyes.

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“Avoid! Does not pay claims”

★☆☆☆☆

written by D_Ryan_79 on 21/11/2014

Horrible travel insurance company. I had a valid claim for a pair of lost sunglasses (expensive Raybans) but they have a lot of unreasonable fine print... that you eventually find out about once you try and make a claim. I also have content insurance with Aviva and recently made a claim, their service was outstanding so I would recommend them no problem. Stay clear of flexicover.

Flexicoverhelp's Response to D_Ryan_79's Review

Written on: 26/11/2014

Thank you for letting us know about your experience. We do ensure that customers have the full details of what can and cannot be covered in the policy terms, which are available prior to purchase. Whilst we don’t handle claims, as these are dealt with by the insurers, you can have the claims decision reviewed if you feel that you have been unfairly treated or that the policy has not been correctly applied. Please contact our Customer Services and we can direct you to the relevant procedures to follow.

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Onewhocares's reply to Flexicoverhelp's Comment

Written on: 20/08/2015

if you don't handle claims, why do people pay you ?
if you don't provide helpful answers why do people pay you ?
if you don't call back when you say you will why do people pay you ?
infact what do you actually do apart from taking people money ?

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“very resonable priced insurance”

★★★★★

written by Konnorc1956 on 01/11/2014

Was hospitalised with broken wrist in spain.got 1st class attention.when approaching flexi cover fr ins there was not a problem.very few qurstions asked.was extremely happy with response and results.would highly recommend this insurance company without fail 2 anyone.there was absolutly no problem with cumications language.evrything was straight forward.

Flexicoverhelp's Comment

Written on: 03/11/2014

Thank you for submitting your review. We are always pleased to receive feedback on a customer’s experience and we are sorry to hear about your hospitalisation. We do hope that you are now feeling better. We are pleased to have been able to help you on this occasion and should you need our help in the future, do get in touch.

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“disgusting pieces of dirt take your money but you ar...”

★☆☆☆☆

written by Timmonsdb345 on 09/07/2014

took out a policy with them went to spain my wife had a fall needed staples in her head got a letter this morning from spaine saying not insured gust phoned the ombudsman let them sort it just wish I would of red revues first horrible people rip of compony use at your perrel

Flexicoverhelp's Comment

Written on: 31/07/2014

Thank you for submitting your review. We are sorry to hear that your wife was injured whilst on holiday and do hope that she is making a speedy recovery. Whilst we do not get involved in claims we are always happy to help wherever we can. Our claims handlers are UK based and their claims contact numbers are shown in your policy document. If we are able to help you further please call our Customer Services and we will assist where we can.

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Dimebar1969's Comment

Written on: 20/07/2016

Not being funny mate.

But is any chance you can learn to write properly?

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“Great value, great service, very helpful”

★★★★★

written by andyz0 on 18/06/2014

I always get travel insurance 'just in case' and opted for Flexi Cover's premium policy due to low excesses and decent price (not the cheapest but certainly in the top 10). I have always been sceptical about cheap travel insurance but I need not anymore, provided you check the policy terms, what is covered and excesses before you buy. In 2012 I had a Deep Vein Thrombosis (DVT) and Pulmonary Embolism (PE). This was declared for this insurance for just £3 extra. Despite being well hydrated, moving about and wearing compression stockings on the plane out on my honeymoon to Mauritius (in April 2014), I got another DVT and PE, which was diagnosed in a hospital in Mauritius a few days later. The doctors admitted me to (a good quality, private) hospital and treated me, but would not allow me to fly on to the rest of our honeymoon due to the risk to my health. Though extremely annoying at the time as it effectively ended my honeymoon, it was the right choice medically. This meant the flights to Cambodia and Indonesia were no longer possible for me or my wife. We checked all the small print and we were covered for pretty much everything. I recommend you read in detail and/or call the team who will help if unclear. For example we had to cancel flights to recover as much cost as possible, and the insurance covered the rest - remember to do this as you may be out of pocket if you assume the insurance will cover this - it is irrecoverable costs only, which is perfectly reasonable. The team were able to arrange payment of medical bills but we paid up front in cash, and with receipts were able to claim back instead. This method was chosen by me as I wanted to be treated without delay as it was potentially life threatening. The insurance put us up in a reasonably good hotel and paid for half board but not any drinks (including soft drinks) or lunch. I was stuck in Mauritius for 2 and a half weeks after being diagnosed (though there are worse places to be stuck!). The insurance was very helpful, though at times the process took a bit too long. The return flight to the UK was arranged by the insurance and I was upgraded to business class due to the health risk, which was reassuring. The staff were always nice, caring and helpful, and were UK based and the medical department was on call 24 hours a day (helpful with time difference). Bear in mind not all departments are 24 hours so this can impact processing time. When back in the UK be prepared to spend plenty of time scanning in and sending receipts but if you keep all paperwork and get back all recoverable costs, you will not be out of pocket. If it wasn't for Flexi Cover I would have been out of pocket by around £5000 - £6000. I claimed back around £2000 on medical expenses and lost travel plans with no major issues, had return flights arranged for us, and had a decent enough hotel and half board provided. The only improvement would be the speed of processing certain elements such as payment of the hotel we stayed in (took several hours and we could not check out until paid for), and return flights took several days to sort. I recommend arranging the return flight as soon as possible with the insurer to get the ball rolling. All in all, highly recommended. I would not hesitate to use again, and will almost certainly use FlexiCover for my next travel plans for our 'second honeymoon' later this year, even if they aren't the cheapest this time.

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“Well, that was surprising!”

★★★★☆

written by Arya1967 on 18/06/2014

After I'd got insurance with Flexicover I read the reviews (because I'm dumb like that) and went "oh dear". Then I got a pushy phone call telling me to upgrade, which made me even more wary, but hey, what's done is done. But then I went on holiday and someone broke my camera. I put in a claim (which was easy enough) and a month or two later, bam, the money was in my account. No complaints, no issues. And it wasn't just a little 50 quid camera either. I'm impressed!

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Asked by gandijohn on 1st September 2015 Report this content
How do I complain to someone in charge? Please help.

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Asked by Swabbie on 3rd June 2014 Report this content
I paid £56 extra for Afib cover for a 10 day holiday beginning June 14 and now am experiencing problems with my anticoagulant therapy that goes along with this condition. I am thinking of claiming for cancellation of the holiday if there is an NHS delay in getting the dosage of clopydogrel modified. In the light of Flexicover's excessively aggressive money making reported by the majority of the reviews, what am I likely to expect and watch out for?

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Answers (1)
Report this content Lindalou1 Written on: 03/06/2014
I would expect them to try and get out of paying !! I had my hypertension medication changed last year because it was an old fashioned tablet that was being phased out and the chemist was having trouble obtaining it. I informed Flexicover of this and they wanted to charge me another £140 excess !! I persevered, telling them my condition had not worsened, just the medication I was on was becoming unobtainable, and eventually they agreed to still cover me for hypertension without any further charge. Just be prepared for them to refuse your claim at first, but please do not accept this. You have paid for cover and that is what you expect. Hope this helps
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