Travel insurance with cancer diagnosis (2 Viewers)

[DavidG58]

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If you've got a medical condition, finding travel insurance can be difficult. Use MoneyHelper's travel insurance directory to find specialist providers.

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I have been diagnosed with prostate cancer, awaiting Radiotherapy start date, but have been refused travel insurance through my normal brokers options

They have sent me the above link with government linked suggestions , before I start has anybody here used any of them , or have any other suggestions

 

[DavidG58]

I have found this from Abacist and will be trying C&MC

Having been diagnosed with Chronic Lymphocytic Leukaemia I have struggled to get a competitive travel insurance policy.

I got a quote for >£1300 for a 2 week trip to Cape Verde for myself and my better half.

Having hunted around I got a quote for an annual multi-trip policy for Europe, the best I could get was £800 with Staysure which required full disclosure of all medical details. There were some poor reviews so I decided to check elsewhere.

The Caravan & Motorhome Club came up trumps with their Red Pennant Plus Cover for Europe for an annual premium of £706 per annum for the 2 of us and our 10 year old motorhome.

There is specific cover for motorhome travel which Staysure did not have and the best bit was that the following were the only medical questions asked, taken from the policy document:-

Other than routine reviews is anyone awaiting any new treatment (including surgery), specialist referral, investigations or results of any tests?

Has anyone been discharged from any medical procedure
(admission or day case) within the last 3 months?

Other than routine checks, has anyone received any treatment (including medication) for any cancerous condition within the last 6 months except tamoxifen or similar (hormone treatment) in breast and prostate cancer?

Has anyone had any changes to their medication in the last 2 weeks? (this includes ceasing, commencing or changing dose)

If anyone is taking warfarin currently, are their INR levels (blood tests) being reviewed more often than every 4 weeks?

Currently, has anyone been prescribed any morphine, MST or fentanyl patches to be used at home?

Other than routine checks is anyone under referral or been
admitted to hospital in the last 12 months for any psychiatric
condition?

If the answer is “No” to ALL the questions shown above then full cover is available for your pre-existing medical condition(s) and there is no need to advise us of your pre-existing medical condition(s), provided you are healthy and fit to undertake your planned trip and you are not travelling against medical advice or with the intention of obtaining medical treatment or consultation abroad.

If the answer is ‘Yes’ to any of the questions above then you
must notify the Club’s administration department.

On the basis that we plan 3 trips abroad with the motorhome and one for a package holiday by plane in the next 12 months I went for this policy as being comprehensive and good value.

 

[robnchris]

Our current insurers will now only offer me 35 days cover in one trip whilst abroad because I'm over 70yrs.
How stupid is that, they said older people tend not to travel as much so don't need it though a 69 yr old gets 66 days cover, as the song says, "What a difference a Day Makes".

 

[frwjd]

Staysure

 

[kelv]

I am using staysure they covered me with kidney cancer

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[DT]

Travel insurance directory | MoneyHelper

If you've got a medical condition, finding travel insurance can be difficult. Use MoneyHelper's travel insurance directory to find specialist providers.

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I have been diagnosed with prostate cancer, awaiting Radiotherapy start date, but have been refused travel insurance through my normal brokers options

They have sent me the above link with government linked suggestions , before I start has anybody here used any of them , or have any other suggestions

Good look with the treatment, six years ago I opted for surgery now in hindsight wished I had gone the radiotherapy route. Up until five years clear it seemed like travel insurers were loading their policy quotes.

 

[Bailey58]

Can't help wih the insurance but I wish you the best in your ongoing treatment.

 

[The Coops]

I have the Nationwide account and contacted their insurance company direct. I am covered for everything but the cancer/chemotherapy and no increase in the premium, it might be worth looking at that option

 

[Coastal Cruiser.]

I use these for my insurance and also got Mum and Dad insurance when they went on holidays.
My Dad had terminal cancer and when I sorted out his last holiday his insurance was a lot cheaper than Mum who I had to declare previous her heart attack. Cancer insurance does not seem to be overly expensive.

Travel insurance from Fit2Travel

Our online travel insurance quote system is designed to make getting covered for your holiday as quick and easy as possible. There are plenty of great reasons to choose Fit2Travel.co.uk so why not check our competitive levels of cover and prices now?

www.fit2travel.co.uk

 

[Jimbohorlicks]

If your going via the tunnel to France checkout le shuttle travel insurance it allows for existing condition but excludes them from cover.

Travel insurance tailored for your needs – LeShuttle

We have teamed up with The AA and Allianz Global Assistance to bring you excellent Travel Insurance and European Motor Breakdown products at superb prices. Whether you are travelling alone, or with your car full of family or friends, we have a range of products to cover you for travel...

www.eurotunnel.com

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[Odd job]

I can't help with the insurance but wish you a speedy recovery, a friend has just had radiotherapy and now is hopefully clear

 

[abforfun]

My husband has prostate cancer and we got cover with our Nationwide account for an extra £75.
It has since moved to a small area in his bones and they along with many others we have contacted won’t touch us now.
We have since contacted Insure Cancer 01252780190 who will definitely give us cover but they have said it will be a maximum of 30 days and expensive, we are going to get a quote next week

 

[DavidG58]

I am struggling with this, it would appear that the insurers don’t like it that my RT hasn’t started yet

Because of that they will insure me, but with no cover for prostate cancer and any spread or related conditions, but worse they also won’t cover any pre existing conditions at all

Meaning my blood pressure meds, exclusions then include all heart and stroke related conditions

Pretty much everything not covered except broken bones

 

[CazPaul]

Is it worth not bothering at all then and just having no insurance, because if you do need to claim it will probably be refused anyway?

 

[Jev88]

Macmillan offer advice on cancer insurance but I haven't actually investigated further.

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[funflair]

Hi David

Jen says it all sounds pretty standard from her experience, once you are through treatment it’s different. Wishing you all the best with the treatment of course.

 

[DavidG58]

Is it worth not bothering at all then and just having no insurance, because if you do need to claim it will probably be refused anyway?

In fairness I have got a couple of quotes, all with similar exclusions for me , but for under £200 we can get an annual policy with Bev fully covered and me effectively only covered for accidents, so might as well pay that and take a smallish risk. In reality I will not go abroad till post RT, so may just take a one trip policy for Bev who is going to Spain with friends next month, then go back to annual policies later this year

Interestingly we have to opt for region 2 in Europe to include Spain, all other close countries are covered in region 1 including Nordic countries

This was the staysure quote

 

[The general]

Staysure

Yes i used staysure , no problem with PC . That was 2020 , it might have changed

 

[The general]

six years ago I opted for surgery now in hindsight wished I had gone the radiotherapy route.

Personal i know , but why ?? All treatments have very very close success rate . It deffo roll of the dice , i choose RT because two of mates went down that route

 

[DavidG58]

It definitely makes a difference being between diagnosis and treatment , I have decided to delay any travel till post Radiotherapy treatment

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[The general]

a friend has just had radiotherapy and now is hopefully clear

Time will tell but its a very very high success rate ,in the high 90s

 

[DavidG58]

Personal i know , but why ?? All treatments have very very close success rate . It deffo roll of the dice , i choose RT because two of mates went down that route

My preference was for RT based on an uncle who had complications , as it turned out the position and aggressiveness of my cancer meant the surgeon doesn’t want to remove it

 

[The general]

Even thou keyhole , its a 5hr operation , friend of mine had his out but still had to have 33 fractions afterwards to mop up what was left behind ???

 

[Ian1960]

Travel insurance directory | MoneyHelper

If you've got a medical condition, finding travel insurance can be difficult. Use MoneyHelper's travel insurance directory to find specialist providers.

www.moneyhelper.org.uk

I have been diagnosed with prostate cancer, awaiting Radiotherapy start date, but have been refused travel insurance through my normal brokers options

They have sent me the above link with government linked suggestions , before I start has anybody here used any of them , or have any other suggestions

Good morning,

I too have been through prostate cancer. Had mine removed back in Dec 22....
I travelled to Canada recently, and got a great deal for insurance with payingtoomuch.com.

Good luck with your therapy..

Ian

 

[ChesterB]

Two lots of Lymphoma and a wife with a dicky ticker resulted in us no longer being able to get any sort of annual policy, but the below company has looked after us for 4 years now on a single trip basis and will always offer helpful advice. Based in Essex, I think.

www.medicaltravelinsurance.co.uk
trading as:
enquiries@brokersure.com
Tel: 0330-8803601

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[sltgapper]

I have found this from Abacist and will be trying C&MC

That’s really helpful, I use staysure as I’m in remission from a blood cancer and the annual renewal process is painful!

 

[Mike Warland]

I am struggling with this, it would appear that the insurers don’t like it that my RT hasn’t started yet

Because of that they will insure me, but with no cover for prostate cancer and any spread or related conditions, but worse they also won’t cover any pre existing conditions at all

Meaning my blood pressure meds, exclusions then include all heart and stroke related conditions

Pretty much everything not covered except broken bones

I am in Spain at the moment had Radical robotic surgery to remove prostate as cancer was aggressive on 29th January left for Spain 6 weeks later haven't bothered with travel insurance this time.

 

[Linda farley]

Travel insurance directory | MoneyHelper

If you've got a medical condition, finding travel insurance can be difficult. Use MoneyHelper's travel insurance directory to find specialist providers.

www.moneyhelper.org.uk

I have been diagnosed with prostate cancer, awaiting Radiotherapy start date, but have been refused travel insurance through my normal brokers options

They have sent me the above link with government linked suggestions , before I start has anybody here used any of them , or have any other suggestions

I’d be tempted to go with my global health card. 5 years ago my I had a stroke in Spain and didn’t have insurance. Went straight to local hospital and got good treatment. My son came over to help hubby deal with driving and me as I was totally paralysed down the left. Britanny ferries were helpful but we had to wait for a disabled cabin. Tbf we have family in Spain. Insurance is so expensive I’m becoming inclined to take a risk. Always get breakdown cover though.

 

[Teedub]

I have the Nationwide account and contacted their insurance company direct. I am covered for everything but the cancer/chemotherapy and no increase in the premium, it might be worth looking at that option

Same here. Informed Nationwide insurers about my cancer diagnosis and treatment only change was that anything related to my cancer was not covered with no increase in premium.

 

[Markman]

I am struggling with this, it would appear that the insurers don’t like it that my RT hasn’t started yet

Because of that they will insure me, but with no cover for prostate cancer and any spread or related conditions, but worse they also won’t cover any pre existing conditions at all

Meaning my blood pressure meds, exclusions then include all heart and stroke related conditions

Pretty much everything not covered except broken bones

But that is what insurance is for, isn't it? To cover the unexpected and unplanned. It does suck, but then I'm in the same situation re blood pressure needs plus.

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