Rebounding - good or bad for FL Stage 3a?

Hi Diane,

whilst on W&W my insurance was only £50 for a single trip to Europe so it’s not too bad.

its about £200 for a single trip now I’m on treatment 

paul

Hi Diane,

with regards insurance (and funnily enough I was looking into this yesterday for our planned 2019 holidays), you must remember that you will also need to inform your own insurance about your husbands lymphoma.

for example if you decided you wanted to get your insurance separate from your husbands (thinking that would be cheaper), then consider that technically your husbands lymphoma will have the same risk to you cancelling your own flights/holiday etc. So by not disclosing that could lead to the insurance company not paying out for your own single cover.

hence we did a joint family policy whilst I was on watch and wait last year which would have reimbursed the entire families money should we had to cancel the trip or come home early etc. As I say, it wasn’t that expensive. (around the £50-£80 mark for all of us including cancellation and medical cover). I guess this makes sense as if a medical professional has adviced watch and wait, it’s kind of confirming that they don’t really expect anything to happen.

It seems a different story for when you are on treatment,

im currently seeking to find any company that will differentiate treatment into chemo or maintenance. At the moment I haven’t found one . They all seem to just say ‘are you on treatmnent y/n’

this is a bit annoying as I will be on maintenance for 2 years and I’m sure that travelling whilst on maintenance rather than travelling whilst on chemo is much less risky yet they all seem to get grouped into one category.

as I say, I found one yesterday for £193 which would cover me for a single trip and even whilst on chemo, so technically we could book a holiday now for when I finish chemo and take out the cover now whilst I’m on chemo and it would cover if we had to cancel, and then also for if I needed any treatment whilst on holiday next year.

single trips when on treatment seem to be better than doing annual cover unless you are travelling loads.

the cheapest I found annually for me whilst on treatment (including 2 years of maintenance) was £700 per annum, so unless I am going 4 times it’s cheaper buying single trip ones.

hope this helps

paul

Hi, re insurance I have used a few different companies and paid very varying amounts for the premium travelling to the States and Canary Islands, I ended up defaulting to euro tunnel because they do not take you through the full screening process, they just ask a few questions and you are covered. Sadly though over recent years they have changed the areas they cover and its now only main land Europe. they do offer annual or single trip and I paid around £36 last time for a 2 people for 9 days cover, an annual was around £110 for a joint policy.

You do have to make sure your medical file is marked fit to travel otherwise no one will cover you which is one of the questions an other is have you been given a terminal diagnosis, after that its pretty simple. Lots of people have used them and on the insurance group page one or two did share experiences when it came to claiming.

Worth thinking about or giving them a call, or do look at the insurance group to get some ideas.

Paul once you finish treatment it should be easier for you to get more reasonable quotes,

John   

Oh Holiday Insurance can be so crazy.

We went out of the U.K for the first time this summer. Up until 2 years post my second Stem Cell Transplant along with my other health issues it was impossible to even get a quote as my team would not mark my records 'Approved to Travel' to wherever we were going. Once I got the approved stamp I did get a one year multiply trip policy for the two of us for anywhere in Europe for £130 top cover from AXA. Looking at further afield next year ;) 

Remember we have the Travel Insurance Forum that can be found in the Grouos - Cancer Exoereances - Travel Insurance.

Thanks Mike/John,

i have just joined the travel insurance Macmillan group so will take a look at those posts to see if their are recommended insurers 

paul

I just exclude it on my insurance it saves a lot of money.

I doubt anyone has died or got too ill while on Holiday with Follicular Lymphoma.

Hi Doh,

Yeah, there is always a first so I don’t want that risk tbh. Imagine the medical bills if something happened abroad.

if you had a heart attack for example they would probably not pay out as they would claim that it was in some way related to the lymphoma or the treatment you were having for lymphoma. My experience with insurers is they will find any reason not to pay out.

then I leave our whole family in serious financial difficulty.

i have just found that BOOTS do separate it out and a joint cover for a single trip for me, my wife and my 3 year old is only £50 once I move onto maintenance treatment which is good news. This is much better than the £200 for when on full chemo.

I advise looking at boots for anyone in a similar situation on maintenance. After all, this is only slightly more than we normally pay and should guarantee that all medical bills or cancellations are covers including those due to lymphoma.

hope this helps

Hello Diane,

I am about to embark on tai chi for exercise, I mentioned it to my doctor last week and he said go for it, maybe its something your husband could do as its low impact and slow movements, but keeping on the move all the time. I'll post up on Thursday about how I got on.

Hi Peter

Hope you enjoy the tai chi - I started a tai chi and meditation class over a year ago and I love it.

Jan x

So not a good start, its been cancelled this week as the trainer is off sick.