Travel insurance for cancer patients – The Telegraph

Can you get travel insurance if you have cancer? Yes, you can, and this helpful guide tells you everything you need to know to make sure you’re adequately covered.

Wwhen it comes to buying travel insurance for cancer patients, there are a few additional steps you may want to take to ensure you have adequate coverage.

These include obtaining clearance from your doctor that you are fit to travel and answering all medical questions about your condition. This may add a little more time to the application process, but it’s worth it for the peace of mind that you’re protected if something goes wrong.

Here’s what to consider when looking for vacation insurance for cancer patients.

Can you get travel insurance if you have cancer?

Yes, several insurers offer full coverage for people with cancer, as well as those in remission. In both cases, you should be able to get single trip and annual travel insurance policies.

However, not all insurers offer policies for people with pre-existing health conditions. That doesn’t mean that if you have cancer, travel insurance is out of reach, but you do want to make sure you read the fine print in your policy.

Telegraph Media Group’s travel insurance service is provided by AllClear, a travel insurance provider that specializes in serving customers with medical conditions, including those who have or have recovered from cancer.

cancer travel insurance

If you are currently living with cancer, you should first check with your doctor to make sure you are well enough to travel. Some travel insurance providers may require a letter from your doctor to confirm that you are fit to travel. AllClear subscribers will not ask you to provide documentation confirming this at the point of sale, but you may need confirmation when you file a claim.

When you apply for a policy that covers pre-existing medical conditions, your insurance provider will ask you to complete a medical screening process to assess the likelihood that you will file a claim.

If you are traveling with someone who has cancer and you want to include them on your policy, you will also need to provide their medical details.

travel insurance after cancer

When it comes to purchasing travel insurance for people who have had cancer and are in remission, insurance providers typically require clients to answer medical questions about their illness and past treatments.

What questions will you need to answer?

When purchasing travel insurance for cancer patients, it is important that the insurance provider has all the relevant information about your health in order to provide you with the correct coverage. In addition to the usual questions about your trip, you should be prepared to answer a variety of questions about your health and any past or planned treatment.

These could include:

  • Where is or was the cancer
  • when you were diagnosed
  • Whether the cancer has spread
  • How advanced the cancer is and if it is terminal
  • What treatment you are currently receiving, have had in the past, or have planned in the future
  • What medication(s) you are taking, including current symptoms and side effects
  • What medical equipment will you need during your trip?
  • What surgery you have had in the past or have planned

It would be wise to collect this information and prepare your responses before you begin your quote.

What should you make sure your cancer travel insurance covers?

Some travel insurance providers may use a cancer exclusion, which means you cannot claim any expenses related to your cancer. Make sure your provider doesn’t exclude cancer from your policy; AllClear will not exclude cancer and may provide coverage in case you get sick while you are away.

Make sure your cancer (and any other medical conditions) are fully declared so you know you’re covered if you have a medical emergency while on vacation.

Cancer patient travel insurance should also cover all the usual things that can go wrong on your trip, like cancellations out of your control, lost or stolen luggage, or other accidents. You may also need specialized travel insurance for certain types of vacations, including if you’re going skiing or on a cruise.

You should also check how much excess you will have to pay if you file a claim and what your coverage limits are to make sure they are right for your needs.

Can I use my GHIC in Europe?

If you are traveling within Europe and need emergency medical treatment, you can use your Global Health Insurance Card (GHIC) to access the local healthcare system. Treatment may be free or you may have to pay for it.

If you still have one of the old European Health Cards (EHIC), you can continue to use it until it expires. Check your card’s expiry date before you travel – you can request a new GHIC free of charge.

However, these cards are not a suitable replacement for travel insurance. They provide access to basic health care services, but won’t cover you if you need medical transportation back home, for example. If you’re traveling with cancer, taking out the right travel insurance will give you much better cover.

How much does travel insurance for cancer patients cost?

The cost of coverage will vary from person to person depending on factors such as your age, the time since your diagnosis and your prognosis, as well as the length of your trip and your destination. For example, health care in the US can be very expensive, so this can be taken into account. Your insurer will take your personal data into account when calculating the cost of your policy.

Always be honest when applying for insurance. If you need to make a claim and you have not declared all the relevant information, your claim may be invalidated.

How to find travel insurance for you

Don’t let your cancer diagnosis stop you. Live life to the fullest with a comprehensive travel insurance policy through the Telegraph Media Group Travel Insurance Service. Their policies, provided by AllClear, are available to people with pre-existing medical conditions, including cancer. AllClear policies also include Covid-19 coverage.

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Telegraph Media Group Limited is a presenter appointed representative of AllClear Insurance Services Limited, a company authorized and regulated by the Financial Conduct Authority.

The article above was created for Telegraph Financial Solutions, a trading name of The Telegraph Media Group. To learn more about Telegraph Financial Solutions, click here.

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