Hi,
I'm new to the forum and appreciate all the tips and suggestions I've been reading. However, I am a bit lost as I am not really sure what I shouold be looking for in terms of insurance cover. I have tentatively sought quotes which have ranged from £150+ to £700+. I had a bowel cancer operation in July and will shortly be starting chemotherapy. (tests after the op showed one lymph node in 13 taken was positive) I have a pre-booked and paid for cruise holiday in November. I just don't know what I would need in terms of medical cover and what would make me choose one quote more than another.etc. Sorry if this has already been asked ; I have looked through previous posts but didn't find an answer. Thank you in advance.
Hi Ranza and a very warm welcome to the online community which I hope you'll find is an informative and supportive place to be.
A cruise sounds lovely but unfortunately having a cancer diagnosis can make it more difficult to get reasonably priced travel insurance. You will probably find that insurance to cover a cruise is more expensive than if you were having a land based holiday as it can costs thousands of pounds if you had to be airlifted from the ship or the ship had to make an unexpected call at a port for you to be taken to hospital.
You might find this information from Macmillan useful in understanding what you need cover for. Personally, the main things I look for are that the insurance will cover my cancer diagnoses and that the cancellation cover is enough for the total cost of the holiday.
Make sure your insurance will cover you for a cruise and that it covers you if you need to be air lifted off the ship. Depending how long your cruise is for I have found a few companies who will only cover for a maximum of either 31 or 45 days of cruising per year on an annual policy. Read also how much medical cover the cruise company expect you to have.
Thank you to Latchbrook and Shar and all the previous contributors.I am m very happy that I have managed to find cover through insurancewith. The policy, with extra cover for a cruise, and with medical cover of ten million pounds and cancellation that covers more than the cost of the cruise is £163. Goodtogo was £1525 and Saga was 1488! The difference was quite staggering and worried me so much I had done something wrong that I phoned them and was talked through it so now reassured I have answere everything correctly. Thanks again, what a relief!
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