Flexicover Travel Insurance - www.flexicover.co.uk

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 !!

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?

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.

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

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.

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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

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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

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.

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.

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.

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.

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.