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★☆☆☆☆

“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.

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