Travel Insurance

Hi Joy,

Thanks for your enquiry. If you look in your policy document you may see a term about “change in health” or “ongoing duty of disclosure” which says you need to notify your insurance company of any change to your circumstances after the policy was taken out.  If this is the case you will need to notify them and the insurer can potentially change or end the policy if they believe the risk has altered.

If your policy terms do state you need to inform the insurer of any changes to your situation and you don’t it could mean they refuse to accept a claim if one needs to be made.

I have included some information below on finding alternative cover just in case this is something you need to look at.

We often find a good starting place when looking for affordable cover is to use other peoples experiences. If you have not already done so, you can visit the travel insurance section of our online community here. On this page you will find posts from people affected by cancer sharing their experiences of which companies they have approached and who they have managed to get cover from.

I’d also suggest you take a look at the Travel Insurance directory on the MoneyHelper website which you can access here. The directory can be used to search for FCA approved travel insurers who may offer cover to people with pre-existing medical conditions.

Another website which may be useful is British Insurance Brokers’ Association (BIBA). They have a travel medical directory which can be used to search for travel insurance for anyone who has a serious medical condition. Their directory also meets the FCA criteria for a medical cover firm directory.

You can search their directory for travel insurers in the link below:

Find Insurance - BIBA

* Please note Macmillan does not endorse any particular company or product that may be advertised on BIBA or MoneyHelper website.   

Insurance companies use medical screening systems to assess the risk of offering insurance, but many companies use the same system. When you come to apply for cover you might find the medical questions will often be the same. However, the premiums offered by companies using different systems can vary considerably so it is worth persisting and shopping around. If the questions asked don’t seem to fit, or don’t allow you to explain the cancer diagnosis fully, it’s worth asking the insurer if it’s possible for someone to manually underwrite the policy. This is where a person, rather than a computer looks at the health situation of the person looking for cover and decides about whether or not to offer cover and at what price. Some travel insurers may do this as standard. On the directory on the MoneyHelper website it will tell you how each company does their medical screening.

If you’re travelling within most European countries, a European Health Insurance Card (EHIC) or a UK Global Health Insurance Card (GHIC) is free and currently allows a person access to emergency state healthcare at reduced cost or sometimes for free. To apply for the GHIC card, click here.

I hope this helps and that you are able to find suitable travel cover. If you have any further questions please don’t hesitate to get in touch.

Kind regards,

Calum

Financial Guide