Where can my mum locate a good travel insurance now she's been cancer free for over a year, I've organised a holiday for her to Malta, no insurance company accept her because she had cancer
Where can my mum locate a good travel insurance now she's been cancer free for over a year, I've organised a holiday for her to Malta, no insurance company accept her because she had cancer
Dear Detest cancer
Thanks for your enquiry. I’m sorry to hear that your mum is having difficulties getting travel insurance.
Unfortunately, we are unable to recommend any specific companies for travel cover, but I hope the following information helps you with your search.
One of the bests starting place when looking for cover is to use other people’s experiences. 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 the companies they have approached and who they have managed to get cover from.
It may also be worthwhile using the Travel Insurance directory on the MoneyHelper website which you can access here. The directory can be used to search for FCA (Financial Conduct Authority) 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:
* 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 your mum’s 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 your mum is 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 can find suitable travel cover for your mum. If you have any further questions, please don’t hesitate to get in touch.
Kind Regards
Will
Financial Guide
