In between treatment

Hi Dieselkop and a very warm welcome to the online community

I'm sorry to read how much of a problem finding reasonably priced travel insurance is for you. 

Like you I had melanoma but I didn't need further treatment, other than having a WLE, as no further cells were found in the SLNB. My diagnosis was 5 years ago and I did initially find that travel insurance was a lot more expensive. I must admit though that I didn't consider going abroad without insurance.

As for your question of whether your insurer would pay out if something unrelated to the melanoma happened to you, my honest answer is that I don't know. However, they may use the fact that you hadn't informed them of your pre-existing medical condition to refuse a pay out.

It might be an idea to post your question in the ask a financial guide section of the online community. If this is something that you'd like to do clicking on the link I've created will take you straight there.

It would be great if you could pop back and let us all know what they say.

I am with Nationwide under their bank account scheme.  They will cover me for all eventualities outside of anything directly related to my cancer - I am in the same place as you knowing that if I am away then I can quite easily return at the end of my holiday for treatment for my cancer at this stage.  I will only book last minute so the risk of having to cancel for cancer treatment is minimised.   Have you actually discussed with the bank team?

Hello Dieselkop,

First, you're doing exactly the right thing by being straight with insurance companies to avoid any problems if you ever need to claim.

If you are considering relying on the cover provided by Bank of Scotland you need to talk to them (or the insurer they use) to disclose full details of your condition and treatment programme so as not to invalidate cover altogether. If they are still not prepared to cover your cancer but are willing to just exclude anything directly related to it, ask to see the wording of their exclusion - if you remain unsure ask hypothetical questions such as about tripping and breaking your leg. Get their response in writing so you have proof of their intention.

It's not easy but it is essential for you and them to fully understand what is being provided.

I do hope you can get this sorted and can take your holiday.

Hi, thanks for your reply and thanks for the welcome..

I've read through some of the replies and it looks like I'm best contacting my Bank initially, I've had family annual multi trip with them for years, I just went through the update details and I siiad xoukd no longer insure me.. 

I'll give them a call instead of box checking. 

Thanks again. 

Thank you for this, will definitely contact them over the phone.. Hadn't thought about that as just fine the box ticking, I've been with them for Annual multi trip for years via bank account perks. 

Thank you. 

Thank you for this, yes I'll contact them direct, I just done the online update box tick and got discouraged... Stared looking at other sites. 

It's the Bank perks via the account I have.. See what they come up with.. 

Will let you know, thanks again 

Yes, I agree that contacting your existing insurers would be a great starting point and I hope you'll be pleasantly surprised. Do come back and let us know how you get on.

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