Travel insurance

Have you had difficulty getting travel insurance after a cancer diagnosis? Or have you managed to find a reasonable quote? Join this group to share experiences and talk to people who understand what you’re going through.

Recommended Travel Insurance

latchbrook
Posted by

Hi

As I said in my reply to you here, I'm not aware of any list of travel insurance companies that cater for cancer patients but there are plenty of recommendations from other community members in this thread. It's a good place for you to start and compile your own list.

 "Never regret a day in your life, good days give you happiness, bad days give you experience"

What is a Community Champion?

transport
Posted by

had lung cancer surgery last april(lobectomy) paid 26 pound single trip europe Holiday Safe had to answer a few questions about condition  100 pound excess.

Ekulrac
Posted by

Going back a couple of years or so travel insurance for us cancer sufferers was a bit of a struggle. It is one of those items that keeps coming up here but it has changed in recent times. Now the likes of Compare the Market, are offering cover where they didn't previously as more companies appear to be offering insurance.

You can now find a company that will offer you a reasonable rate which stays the same no matter how far in advance of your trip you take the policy out. I was about to do that until I had a word again with my current insurer, Saga, how it has worked for us with them and read in more detail their conditioins.

On our trips we are only outstanding the deposit (usually £60 x 2) until ten weeks before departure when the balance has to be paid. With Saga if you take out their insurance as you pay the deposit, possibly several months in advance, it can work out as expensive. However I have learnt that if you get an on line quote  (to be sure you can get the insurance and a 30% discount) as you book your holiday, leave it until just prior to your balance is due to be paid and call them up.

At this time they will dig out your earlier quote and we have found that it has reduced to become one of the cheapest so we are sticking with them.

Last June we had to cancel a holiday due to my first ever TIA and they covered that without it affecting future business. We have had three trips since and just arranged another for March.

I am sure that there are other companies just as good, but for us we now have our own personal contact with them and it suits us well.

mrgee
Posted by

asked me to repost this here as I initially posted on the CML forum.

After being hospitalised with CML last June I thought there would be no way I would be able to get affordable insurance for June this year. Thankfully while it still isn't cheap compared to pre-CML prices, if you go through the annoyance of plugging in your details to multiple sites you will find somewhat affordable plans (assuming you think £20 per day is affordable - which I know is by no means cheap).

I've spent all morning going through sites that were recommended from various sources and compiled the table below. Obviously this will depend on your age, other medical conditions (I have 2 more non life threatening annoyances), destination etc.

The questions they ask when declaring CML are pretty much all the same. They are:

  • Has a bone marrow or stem cell transplant been performed that has resulted in a complete remission?
  • Have you ever failed to respond to any of your daily medications?
  • Have you experienced any fever, weight loss or loss of appetite within the last 12 months?
  • How many unplanned hospital visits have you had for this condition in the last 12 months?

For info my responses were: no, no, yes, 1.

More info: I am male, 39 and going to Spain. This is a single policy. I assumed my partner would be able to get a cheaper policy elsewhere.

Both Avanti & Staysure sent an email a day or 2 later offering 20% off their quotes so it may pay to wait a few days if 20% off would make those the best prices for you. I think these guys are either the same company or the websites were built by the same people as they were laid out the same, both offered the 20% discount, and the prices were close.

Hopefully this will help or encourage some of you that it is indeed possible to go on holiday while still having the peace of mind that if something does happen, you are covered. Lets be honest.. we all need a holiday!

transport
Posted by

i had lobectomy last april due to lung cancer going to spain for a week got travel ins for 26 pound with holiday safe had to answer a few questions about treatment and investigations but did it online and was easy 100 pound excess.

Ekulrac
Posted by

That does appear to be very cheap. What's their reviews like?

Ekulrac
Posted by

Further to the above, remember Spain is supposed to be the dearest in Europe. Please check the small print to see in more detail particularly in relation to your EU Heath Insurance Card. Apparently most of Spain now is 'private' hence why it is more expensive.

YorkshireMum
Posted by

After 2 days of internet searching and being turned down by most online insurers, we did a "Compare the Market" quote and have now got 15 day single trip insurance for my family for a trip to Turkey of £248.41 to include £5k cancellation with £75 excess.  This is with Travel Insurance 4 Medical.co.uk;  according to Compare the market they received a 5 star defaqto rating and 5 star on Trustpilot.  For info, I have squamous cell cancer of the anus which has spread to local lymph nodes.  I had treatment Sept/Oct last year and after my first scans in December was told that the primary is untraceable and the secondary has shrunk over 50%.  No ongoing treatment needed, just the normal 3 monthly scans and check ups.  The whole process really got to me, so if anyone else is looking can I suggest Compare the Market to save the whole rigmarole of putting your details in on various websites and just getting turned down.  Good luck all, Sarah 

Ekulrac
Posted by

With my extensive range of problems I found Free Spirit and Saga cheaper than the quote from 4 Medical.

YorkshireMum
Posted by

I tried Saga, they refused to quote for an annual policy and wanted over £600 for this 15 night trip!  Didn't try Free Spirit but will do next time as I intend to go away again.  Just took a bit of a dent to my self-worth this weekend to be told multiple times I wasn't worth the bet with the insurers!

Ekulrac
Posted by

When I started with my cancer nearly four years ago, travel insurance was even more difficult and none of the comparison sites were interested, now they are with various options now available.

I didn't pick up you wanted an annual policy as we do single ones as suiting us better, even although we plan to be away four times this year, God willing. What I have found with Saga is if you leave taking out the insurance until just before the balance of the holiday is due, it is much cheaper.

YorkshireMum
Posted by

Thanks Ekulrac, we had to pay the balance yesterday and as my existing annual policy expires before we go we had to sort something.  I had wanted annual insurance but as I only finished treatment last October I suppose it's all too recent really.  Having never had to declare a cancer diagnosis before it was something of a shock to be declined.  I suppose it's just a cost I now need to factor into our holiday plans.  Not looking forward to trying to sort out insurance for a cruise in the summer now but I am going!

FionaDC
Posted by

I waited until my husband's chemo had started phoned Boots who were then happy to insure us for £198 which wasn't as bad as I feared. I was interested to see some people getting insurance through Saga. I have tried them in the past before the cancer diagnosis and they wouldn't insure us because of our other conditions - my husband's asthma and my arthritis and hypertension. I don't know which of these caused the problem. 

Ekulrac
Posted by

I have a whole catalog of stuff from Melanoma, type 2 diabetis, blood pressure, TIA stroke and enlarged prostate and Saga and others were ready to offer terms. Contrary to what they used to do, Direct Line started to cover cancer last year but not my TIA. I had to cancel last June because of the TIA at the last minute and Saga covered my claim without affecting future business if done on a single policy basis.