Health Insurance for cancer that has metastasised

[abforfun]

Hi, has anyone found a company that offers health insurance, at a reasonable premium, for a cancer that has spread to another part of the body
most companies we have rung don’t want to know, those that have quoted are asking a ridiculous amount.

 

[denisejoe]

Have you tried All Clear? My friend has various health problems (but not cancer) and has always managed to get reasonable priced insurance.

Might be worth you having a look on MSE as they have details of various insurance companies covering medical problems.

 

[Riverbankannie]

It may be controversial, but we often travel without it in MH. We could financially cover “the worst” but in reality I prefer to think we are self insuring. It saves the hassle of hours on the phone only to be made to feel that you are too old/too unhealthy to be able to consider travelling. Notwithstanding that you walk the dog twice a day or play golf.
We don’t have delays to travel, accommodation costs to consider and we have to pay to get timely treatment in UK anyway so why not pay in Europe if necessary.
I’ll get the popcorn ready !

 

[DC4JC]

We have the same issue. The only company so far that will quote want £3650 for a couple of weeks.
Caravan Club will provide travel insurance for my wife, excluding the cancer side, for around £160 for both of us for the same period

 

[Abacist]

So you could exclude the cancer cover but my concern would be if anything happened it will be the insurance company that will have the final say that it was caused by or originated from the cancer and thus no cover!

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[The Coops]

PM sent

 

[The general]

It may be controversial, but we often travel without it in MH. We could financially cover “the worst” but in reality I prefer to think we are self insuring

Very controversial , ok you got a chance if there’s two of you both able to drive mh , but the cost of not having health insurance ? Surly can be astronomical ?

 

[Just smiffy]

I think it would surprise a lot of people on here that there will be many people that don’t do travel insurance for many reasons…

That would also go for no C1 and driving overweight and probably some people that shouldn’t be driving at all…..

 

[Abacist]

I think it would surprise a lot of people on here that there will be many people that don’t do travel insurance for many reasons…

That would also go for no C1 and driving overweight and probably some people that shouldn’t be driving at all…..

So comforting!

 

[abforfun]

Have you tried All Clear? My friend has various health problems (but not cancer) and has always managed to get reasonable priced insurance.

Might be worth you having a look on MSE as they have details of various insurance companies covering medical problems.

We have contact All Clear and they have sent a contact number to ring to discuss medical condition but before we ring their initial quote is over £1000.
MSE gave us various numbers, we’ve rung one and it’s just under £2000 or £1400 for a week we have booked by plane in June

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[abforfun]

It may be controversial, but we often travel without it in MH. We could financially cover “the worst” but in reality I prefer to think we are self insuring. It saves the hassle of hours on the phone only to be made to feel that you are too old/too unhealthy to be able to consider travelling. Notwithstanding that you walk the dog twice a day or play golf.
We don’t have delays to travel, accommodation costs to consider and we have to pay to get timely treatment in UK anyway so why not pay in Europe if necessary.
I’ll get the popcorn ready !

Very tempted

 

[abforfun]

We have the same issue. The only company so far that will quote want £3650 for a couple of weeks.
Caravan Club will provide travel insurance for my wife, excluding the cancer side, for around £160 for both of us for the same period

Nationwide only £65 excluding cancer, dont want to know with it

 

[Burgo]

I think also you need to ask yourself what the insurance you want is actually for. If you have an accident or medical emergency in the EU then the emergency services will scoop you up and stabalise you. Cost will be zero for "medically neccessary healthcare" the EHIC or GHIC card scheme. Eg:
Medically necessary healthcare includes things like:

• emergency treatment and visits to A&E
• treatment for a long-term or pre-existing medical condition
• routine medical care for pre-existing conditions that need monitoring
• routine maternity care, as long as you're not going abroad to give birth
• oxygen therapy and kidney dialysis

Source: https://www.nhs.uk/using-the-nhs/he...-a-free-uk-global-health-insurance-card-ghic/

An insurance policy may cover you for less urgent issues, as well as repatriation (though at present you may be better off where you are bearing in mind the state the NHS seems to be in). You need to weigh up how much those extras are "worth" to you, the chance of you needing them and the cost if you needed to pay yourself.

Not really convinced that in a lot of cases it's actually worth it if you're retired and time is not too much of an issue. For instance for skiing holidays we only ever buy local piste rescue insurance to cover the "blood wagon" or a helicopter evacuation off piste, which is always much less expensive and has higher claim limits, than the winter set ports policies touted by holiday operators.

 

[Ninjabob]

Hi, has anyone found a company that offers health insurance, at a reasonable premium, for a cancer that has spread to another part of the body
most companies we have rung don’t want to know, those that have quoted are asking a ridiculous amount.

I am sorry but why would you need Health Insurance for cancer that has spread to other parts of the body (metastatic). In my experience (trust me I've had some) if you are in this unfortunate position the NHS is capable of helping you if they believe treating you is in your interest. No Private Health Insurance is going to help other than with initial diagnosis.

 

[pampam]

My friend has been battling cancer for a good few years, and was thinking things were going fine she is booked to go to caribbean next week….. a long awaited holiday.
only to be told yesterday that its back and theres nothing the consultant can do.
she hasnt spoken to anyone these two days just text but im hoping she goes ahead on monday and gets on the plane,with or without insurance

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[abforfun]

I am sorry but why would you need Health Insurance for cancer that has spread to other parts of the body (metastatic). In my experience (trust me I've had some) if you are in this unfortunate position the NHS is capable of helping you if they believe treating you is in your interest. No Private Health Insurance is going to help other than with initial diagnosis.

It’s for while out of the country but don’t really understand why such a high premium for cancer as it’s not something that you just drop dead from while you are responding to treatment

 

[pampam]

I think most people have it for repatriation (theres no treatmentforher now just palliative care)

 

[abforfun]

I think most people have it for repatriation (theres no treatmentforher now just palliative care)

Very sad about your friend.
repatriation is the important thing

 

[pampam]

We pay £740 for annual world /cruise cover
ive got hiatus hernia
hubby has diabetes 2 and aortic stenosis,high cholesterol, i think my hernia costs about £50, the rests down to him lol. We r with staysure but i priced up post office and it was £40 cheaper for anyone looking

 

[Coastal Cruiser.]

It’s for while out of the country but don’t really understand why such a high premium for cancer as it’s not something that you just drop dead from while you are responding to treatment

Strange how they work it out, sorted out my parents insurance for the cruise they went on 5 months before my dad died.
He had terminal cancer and my mum had a heart attack and stents fitted a few years before, dads insurance was a lot cheaper than mums !!

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[abforfun]

We pay £740 for annual world /cruise cover
ive got hiatus hernia
hubby has diabetes 2 and aortic stenosis,high cholesterol, i think my hernia costs about £50, the rests down to him lol. We r with staysure but i priced up post office and it was £40 cheaper for anyone looking

I’ve not tried Staysure, will give them a ring

 

[abforfun]

Strange how they work it out, sorted out my parents insurance for the cruise they went on 5 months before my dad died.
He had terminal cancer and my mum had a heart attack and stents fitted a few years before, dads insurance was a lot cheaper than mums !!

I can understand heart problems being expensive as you can just drop dead but not cancer, particularly when you are responding well to treatment

 

[MaidinDevon]

It might be worth speaking to the Macmillan nurse, or Oncology department for advice if involved . They usually know of specialist companies who will provide cover.

 

[Just smiffy]

It may be controversial, but we often travel without it in MH. We could financially cover “the worst” but in reality I prefer to think we are self insuring. It saves the hassle of hours on the phone only to be made to feel that you are too old/too unhealthy to be able to consider travelling. Notwithstanding that you walk the dog twice a day or play golf.
We don’t have delays to travel, accommodation costs to consider and we have to pay to get timely treatment in UK anyway so why not pay in Europe if necessary.
I’ll get the popcorn ready !

Very tempted

To be blunt… what’s the worst that could happen…

 

[abforfun]

It might be worth speaking to the Macmillan nurse, or Oncology department for advice if involved . They usually know of specialist companies who will provide cover.

Yes I think a call to oncology would be a good idea

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[denisejoe]

Depends if going to Europe on tunnel and your doctor says your ok to travel and are under 70 Eurotunnel no questions asked

 

[pampam]

Abforfun try post office online i didnt know they did medical conditions ,till my friend told me so i filled in our ailments and it was cheaper,ill try them when i renew, very simple to do online too

 

[abforfun]

Depends if going to Europe on tunnel and your doctor says your ok to travel and are under 70 Eurotunnel no questions asked

Oncologist happy for us to travel but over 70 and one week with the family is flying

 

[abforfun]

Abforfun try post office online i didnt know they did medical conditions ,till my friend told me so i filled in our ailments and it was cheaper,ill try them when i renew, very simple to do online too

I spoke with them this afternoon and the agent was absolutely useless so might be worth trying online

 

[VXman]

It’s for while out of the country but don’t really understand why such a high premium for cancer as it’s not something that you just drop dead from while you are responding to treatment

It's the same for long term high blood pressure. If you are on statins it's not a serious/dangerous disease and yet the insurance co will sting you for it.

Personally my attitude is declare nothing and then you are covered for non medical stuff, most medical needs on holiday will be covered by ehic. Anything else we'll take our chances.

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