Hi, has anyone obtained critical illness cover after surgery for cancer removal? I’m assuming it’s impossible until years later but just wanted to see if anyone has managed it.
I had surgery 8 1/2 weeks ago. My partner and I have Worldwide Family Travel insurance as part of a package (along with car breakdown and phone insurance) with my Bank (it's a Bank of Scotland Platignum Vantage account, £22.50/month ). I'm 73 and the cover is good as long as you're under 80.
I got diagnosed after a colonoscopy in June and had surgery 19th July. There was no issues with the biopsy (lymph nodes) or the CT scan so they consider me in remission, though obviously I will continue to be monitored.
I had holidays previously booked for 31st August (Austria, walking), December (Madeira) and March (Austria, skiing). When I spoke to my insurers they told me that as these were booked before my diagnosis they weren't pre-existing conditions and I was covered already.
For future holidays I was offered pre-existing condition cover for my treated cancer and my hay fever(!) for about £170 for 12 months cover. I was then able to book another ski holiday for January.
The end of August walking holiday (6 weeks after surgery) went OK, though I did buy a new lighter hold suitcase to ease lifting.
So, yes, I does seem possible to get insurance after surgery, though it's not that cheap.
