Travel Insurance for cancer patient

Discussion in 'General Chat' started by mikeclark007, Jul 16, 2015.

  1. mikeclark007

    mikeclark007
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    My mum was diagnosed with melanoma (skin cancer) for the second time late last year.

    She is undergoing treatment via chemo pill and is responding very well so far.

    She wants to take the family (5 adults & 1 child) to Florida in April next year for 2 weeks and our only reservation about booking is what if her condition deteriorates and what protection would we have over the holiday.

    We'd have to ensure we had the best travel insurance in place but not sure if she would even get the necessary cover.

    Has anybody experienced anything similar and can advise?
     
  2. rousetafarian

    rousetafarian
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    Hi Mike, off the bat I'm sorry to hear about your Mum's situation and I totally relate to it with my Mum going through the same last year.

    My folks travel abroad many times a year so I'll check to see what she did with her insurance post diagnosis and successful treatment. IIRC she is with Saga for the insurance and am certain, knowing her that she will have grilled them about the cover etc when she renewed.
     
  3. mikeclark007

    mikeclark007
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    Thanks mate. We are willing to pay whatever it takes to ensure we have the appropriate cover should the worse happen for us to not be able to go. The holiday alone will be pushing £10k
     
  4. baker

    baker
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    I get my travel insurance free via my Nationwide Flex Plus account.

    I rang up to ask if I needed to add cover for my Testicular Cancer that I was diagnosed with in Mar 2013. It would have been £80, but they said if I haven't taken any medicine/chemo for it in the last 12 months then I didn't need to add it. I had one session of Chemo back in 2013, so I didn't need to add it.

    Worth finding a reputable insurance company and ringing to find out charges for adding a pre-condition.
     
  5. outoftheknow

    outoftheknow
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    There is a UK company called World First I found on a search that covers cancer in travel insurance. Maybe add them to your list to get quotes? I believe generally in travel insurance skin cancer is covered during the trip except melanoma and in your case it is also an existing condition. I think the best way to be sure is to contact each insurer you prefer and explain clearly the circumstances. They may cover the trip except anything arising from melanoma which in reality is what they offer everybody from my understanding. If you want melanoma covered each company will be able to advise if they will cover and how much it will cost. Best of luck and all the best to your mum.
     
  6. Ste7en

    Ste7en
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    Post Office used to be good. I used them a few times in the past, I have leukaemia.
     
  7. thudspud

    thudspud
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    Try eurotunnel travel insurance, I believe they cover all pre existing conditions as long as they are stable and your doctor agrees that you are fit to travel. My soon to be mother in law has just signed up with them and she has had Brest cancer and a number of other issues, think it was around £150 for an annual policy.
     
  8. mikeclark007

    mikeclark007
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    Thanks guys.

    We had her monthly Oncologist appointment earlier today and were advised against travel to America of all places.

    The consultant had actually worked in the U.S. for a year so had a valid reason to be sceptical about how insurance policies are handled given her condition. He has advised us to stay within Europe for the time being.

    Her tablets make her skin ultra-sensitive to the sun as well where skin cancer is a known side effect so as an experienced Disney goer I could see how dodging the sun in and out the shade while trolling round theme parks could be a bit of a pain. It was a nice idea initially but not particularly practical.
     
  9. Suave

    Suave
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    Hi,

    Sadly, it is travel to the USA that incurs the highest cost for Travel Insurance due to the stratospheric costs of medical care there - you will find insurance companies far more amenable to grant cover for most other places in the world.

    Do not be taken in my marketing fluff when companies state that they specialise in cover for people with medical conditions/disabilities etc - most I rang up were more expensive than the so called "Standard" ones with full disclosure.

    It is a real pain, but phone around to as many companies as you possibly can to get a broad a range of quotes as possible - you will be surprised at the differences in premiums charged & many use the same few underwriters anyway.

    Make a full list of all your medical conditions detailing the dates, procedures, treatments, doctor, clinic & hospital visits etc as thoroughly as you can & as far back as you possibly can - leave no gaps at all otherwise they can legally deny claims on the basis that you withheld information - even if you had any issues (no matter how small) that were not even related to your current condition(s). ALWAYS ask the Insurance Company, how far back they want you to go with regards to past medical history.

    The Terms & Conditions are a nightmare to understand - even seasoned Lawyers find them a nightmare to understand & the fine print in T&C's can totally contradict what is stated in the main print so be very aware of this - there are so many loopholes & catches contained within the T&C's with the sole aim of allowing them to avoid paying out in the event of a claim - they can & will (usually) use the most minuscule & obscure reasons to avoid paying out so do your research on this.

    Go to your Doctor & ask for a print out of your entire medical history so you are not relying on memory for details. Get a "Fit To Travel Letter" either from your Doctor or Hospital Consultant.

    After you have bought travel insurance - send an email to the Insurance Company - quoting your reference number & once again, confirming all of your medical conditions, treatments & medical visits of the past in order so that you have a guaranteed record of you informing them otherwise they can play silly buggers & say you did not disclose this or that.

    If at any time, you situation changes or you have more treatment/medical issues during your policy tenure, the again, inform them of it in writing otherwise again, they can deny any claims on the basis that you withheld information.

    I had some companies refusing me cover point blank & others that quoted anything between £3K to £120 - again, with the exact full disclosure given to all.

    Hope that helps!
    Suave!
     
  10. mikeclark007

    mikeclark007
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    Informative post - thanks Suave
     

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