Can I start by saying that I cannot judge the quality of this insurance as I have not (fortunately) had to claim. I have just returned from a 19 day trip to USA and did not have cause to use any of the services provided by the insurance.
I had never heard of All Clear, but did feel reasonably confident in accepting their offer as they were mentioned by Saga and I had heard of the insurance company that is backing them - it could have been made an easier exercise to find out who that is by printing the information more prominently.
In reading the policy wording I did get the feeling that claims handling could be a rather nit picking experience looking for a reason not to pay, but I do accept that wordings have to be tight to avoid fraud. I would hope that this impression would be dispelled if I had actually had to phone and make a claim. Over the years i have made claims with Saga and Marks & Spencer and once I had given them the documents required they paid without further question.
The online medical declaration for my wife and I was straight forward and the policy issue was good.
I was concerned about a term that was not defined in the policy "treatment" and the lady I spoke to handled my query well. My concern was that I have been given a 5 year plan to check on me even though the cancers have been removed. I did not consider that this was ongoing treatment and the lady confirmed that this was the case. Perhaps this could be made clearer.
I think that more could be made of your Medical Emergency Service - it could be a good selling point but the thing that stands out in bold print says something like "you will use it or else......."
The premium I had to pay was £1758 (with very restricted cover for cancellation) and I do not think that there was adequate reflection of the fact that the operation that I had removed the cancer and that I have a letter saying that the recent CT scan was clear and a Sigmoidoscope examination showed no problem. The questions were only related to the fact that there had been cancer in the last few month and not the outcome of the treatment.
I wish that there was some way that the company could inspire me with confidence that they will meet any genuine claim speedily and without seeking out reasons not to pay.
I hope these comments are helpful
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