Does anyone know of a travel insurance company that allows you to exclude a condition from cover?
I have papillary thyroid cancer which is now in a very low and stable state, though not entirely gone, and I am undergoing routine periodic monitoring. I am not awaiting any treatment and there is absolutely no risk of any new health issue to do with this condition (at home or abroad). My oncologist is not concerned at all.
I would like to find insurance cover that allows me to simply exclude it from being covered. Once cancer is mentioned the premiums go so high, which doesn't seem right given the non-existent risk of any issue arising that is related to it. I have heard this kind of insurance is possible, from the thyroid oncology nurse at the hospital who says she heard it from other patients. But I am having no luck actually finding a company that works like this.
I am currently getting a quotation from InsuranceWith and they will not exclude any condition.
Any experience or advice would be very welcome!
Hello axolotl,
I can't help with the names of any travel insurers prepared to exclude conditions but I do know most are reluctant to do so because they don't understand the technicalities of medical conditions and therefore stick with their standard policy wordings and underwriting questions. Somewhere in the dim and distant past I do recall someone getting this through a policy offered as part of a bank's current account, but I can't recall which one.
Hopefully someone might be able to point you in the right direction.
If you're over 50 you could try NFOP, it's a membership organisation and has a travel insurance facility which doesn't ask medical questions. Existing medical conditions are covered as long as members are fit to travel, do not have a chronic breathing condition, and not terminally ill (see policy for full details). However, if you're just looking for a lowcost policy it won't fit the bill.
I hope you can get sorted.
Macmillan Support Line - 0808 808 00 00, 7 days a week between 8am-8pm
