Recommended travel insurance 2023-24

Hi Onk i am glad you have found it helpful. I think the term terminal has changed to incurable for many of us, which certainly does help with insurance. This is the 2nd year I have used insureandGo. The first year I completed it online. This year at the renewal date, I phoned them because I wanted to extend the start date so that a cruise next December was covered by this policy. They were very accommodating, and I am now all sorted for this year. 

Good luck and happy holidays. 

That’s excellent! I am so pleased for you! Thanks for sharing. When l get my latest scan results l will get an insurance quote. Happy hols ️

I’d been having trouble getting annual travel insurance for my partner who has melanoma & is having immunotherapy. Many companies declined him because of his age, too many conditions, treating maintenance immunotherapy the same as chemotherapy etc. It’s been very time consuming & the last few trips to Spain we have relied on our EHIC/GHIC cards but thankfully haven’t needed any medical assistance. 

Yesterday I went online to Insureandgo and put the details in for both of us. I read elsewhere that if you are on the same policy you may be able to be repatriated together if necessary. Mine would have been much cheaper on a separate policy. They have a January 20% off offer and no age restriction. 

The price came up as £1900 for a year for Europe. This includes cover for Covid if you’ve had all your vaccinations & boosters. I didn’t immediately buy it as it seemed expensive. Shortly after I had a phone call from them and a chap called Abdullah said he could get me a further discount so I bought it for £1740. 

We have other insurance via a bank account for cancellation etc so it was medical cover I was mainly interested in. I now feel much more secure. We have four trips to Spain already booked for 2024 so once you divide it by 4 for two people it seems less expensive! 

I’m lucky as I have no children by choice so no dependents other than a “left behind”, “farm” or “stray” cat who we now house & feed. I appreciate that not all of us are in a position to spend this amount of money. However so many insurance companies just refuse any cover at all, except for a few who are very expensive & provide “last trip” insurance, it’s useful to know companies who do. 

Just joined this forum and very interested in the experiences around travel insurance.  I have advanced prostate cancer and as others have found Insurancewith seem to offer the most comprehensive and reasonably price options for me.   Like StephenBP I have always had continuous travel insurance through my bank (SMILE/COOP) and I don't understand why they can no longer offer cover.  I was very fit and healthy over 20 years ago when I opened this account for which I have paid £15 or so monthly ever since, so in my mind I don't have a "pre-exisiting" condition.  Does anyone else share this view and if so have you tried to challenge the bank or their underwriters about it?

What you describe there sounds like the Life Insurance framework to me.  I see it that insurers must constantly review the cover they offer (their business is not without risk) and ensure they are consistent to all customers.  

Hi Stephen, sorry to hear that. It's always a shock to the system when that happens. I had the same European travel insurance for years where you didn't need to report everything, but as soon as we had an active cancer in the family (my husband) that became non viable and now we have to look for new insurance. (Have not had any actually taken up since then, as Lockdown happened right away, but I have been through the quotes experience.. Oh and we lost our holiday let money as my old insurance only covered it if the let pulled out, and that didn't happen. :D).

Anything you are suffering from before taking up the insurance, or need to notify to them if it happens (always includes cancer) is a pre-existing condition to insurers.

My BIL has a minor (to him) heart condition and was stunned to find he had to spend "four hours on the phone" to get insurance outside Europe, even for just a week.

I had a long conversation with an actual assessor for the underwriters one time about his MGUS (then inactive) and though she steered round it rather gently, the fact is that they have assessment companies who do everything according to long established statistical methods and that's the end of it.

I had someone turn me down for winter sports because they said I had "osteoporosis". It's actually osteopoenia, caused by another treatment I had years earlier, and is under long term low level treatment, I've never had a break (even when I had a fall), etc etc but they weren't interested!

I would say it's a pain in the neck, but I won't as that might count as a pre existing condition ;-)

Best of luck.

I needed worldwide insurance including USA and was getting silly prices £1000+ friend suggested I try my bank so we called the nationwide, got screened no additional costs for my cancer but husband had to pay additional £40 for high blood pressure, cost is £13 per month plus we get AA cover on our cars and our phones are covered against loss and damage. Would suggest anyone tries their bank first.

We’ve just renewed our annual policy with insurancewith - I had the same answers as you Mark, except mine is Stage IV lung cancer. Worldwide cover for two of us (my husband has no medical issues) for £649 total. Just come back from the Maldives on it All done online

I have a none curable liver cancer and aftre getting quotes to go to spain from £2200 to £3500 i went to InsuranceWith and could not believe how much they quoted me £29.55 for 8 Days in spain Try them 5* from me