Holiday Insurance

Hello Sparky123 

Thanks for getting in touch. I am glad to hear that you have finished your treatment.

Unfortunately, even though your treatment is complete you must answer the insurance applications questions open and honestly. Very often they will ask wide reaching questions so even if you are having no treatment, to answer them correctly you must disclose previous conditions.

Getting travel insurance after a diagnosis can be more difficult and costly. We can’t recommend any financial products or services but hopefully you may find the following information helpful if you are going to be looking for travel cover.

Firstly it may be worth looking on our online community. We have a helpful travel insurance group here. On this page people affected by cancer discuss their experiences trying to get travel insurance and post recommendations of companies they’ve personally used. By using the information provided by others who have been in a similar position, hopefully you can make a shortlist of companies to try. 

Another option for finding travel insurance is the Travel Insurance Directory which has been created by MoneyHelper (a separate organisation to Macmillan).  The directory can be used to search for FCA approved travel insurers who may offer cover to people with pre-existing medical conditions. Please visit their directory here.

Do you have any travel insurance cover in place through your bank account or a credit card? They won’t usually automatically cover for pre-existing health conditions, but if you’ve got this cover already through a product it’s worth checking on. They may be able to offer full cover if a top-up fee is paid.

Most companies will ask you very similar or even the same questions. The medical screening systems they use are often the same, which leads to repetition of the questions. Please don’t let this put you off, despite being asked similar questions each company will have their own quote at the end if they can offer cover – so it is worth persisting and shopping around. If you’re struggling to properly explain your situation with the questions asked, you can ask if it’s possible for the company to manually underwrite the policy. This is where a person would look at your health situation and decide whether to offer cover and at what price, rather than a computer making the decision. Some companies may do this as their standard procedure.

You may find that some companies offer a policy with a cancer-related exclusion. This means you wouldn’t be covered for any claims relating to your DCIS diagnosis. This could affect the premium considerably, but it’s very important to consider the risk of not being covered for anything relating to cancer.

One last thing I’d like to mention is about the insurance those you’re travelling with have. Some policies may cover cancellation if something happens to a ‘close family relative’. The exact cover would be explained in your policy documents, it’s a good idea to check exactly what may be covered. Some companies may only cover cancellation due to a close relative’s illness if it was disclosed and they were told about the person’s health conditions beforehand.

If you have a current European Health Insurance Card, or you get a Global Health Insurance card (more information here) and you have opted to take an exclusion, you would still be able to get treatment in public hospitals when abroad. However, this treatment may still be chargeable at the time although it may be possible to reclaim some or all of the cost back once you are back in the UK.

I hope this information helps and that you’re able to get cover in place. If you have any further questions, please don’t hesitate to get in touch with us.

Kind regards,

Chris H

Financial Guide