General Discussion

Adnyl

Travel insurance problems

Hi. I've read the previous thread on travel insurance and spoke to insurancewith who won't even give me a quote until after 22 Jan because I was in hospital due to chemo problems in December.

A broker has so far got 2 quotes for me which quite frankly aren't doable.

1st quote is £2320 if i took insurance for the 2 weeks today before chemo finishes.

2nd quote is £516 if i take it after chemo finishes!

We're very wary of booking flights to visit our friends in USA for June before we get the insurance sorted out.

Our regular travel insurance via the bank will conver everything except anything cancer related, I've spoken to the civil service insurance society (I'm a civil servant) and got the same response.

Has anyone had reasonable insurance ... and where from?

Hollyhock

Insurancewith insure people with cancer. I went to St Lucia in the summer which is the same price as America and it cost about £115 for 2 weeks. Good Luckxx

Adnyl
Quote from @Hollyhock:
Insurancewith insure people with cancer. I went to St Lucia in the summer which is the same price as America and it cost about £115 for 2 weeks. Good Luckxx

They won't even give me a quote until 6 weeks after my hospital stay I December for the chemo side effects :x:

angepange

I’ve always used ‘insure with’ since I had cancer .:x::x:

angepange

Oh just seen they won’t insure you? That’s strange. They specialise in cancer travel insurance. Sorry :x:

Adnyl

I've had a conversation with a friend's hubby today as he works with the insurance co that I have my bank insurance through. We're talking again in 3 weeks when my chemo is finished because then I can be covered under my bank insurance for £129! Fabulous news. It was the current treatment that stopped anyone insuring me or the sky high quotes!

Baxter2

Sounds good @Adnyl!

Very strange they wouldn't insure you though on treatment. I was fully insured on active chemo, having had 3 blood clots in lungs/ heart vessel and on daily injections to prevent further clots as well as with my previous surgeries and stage 4 diagnosis. I'm so glad you've now got cover! :x::x::x::x::x::x:

Adnyl
Quote from @Baxter2:
Sounds good @Adnyl!

Very strange they wouldn't insure you though on treatment. I was fully insured on active chemo, having had 3 blood clots in lungs/ heart vessel and on daily injections to prevent further clots as well as with my previous surgeries and stage 4 diagnosis. I'm so glad you've now got cover!

Not yet ... I've got to wait 3 weeks until my chemo is finished! But yes, good news indeed :x:

Hollyhock

Fantastic news @Adnyl , hope you enjoy your tripxx

Northwesterly

We got insurance for my wife from All Clear for a week in in a hotel in the middle of nowhere, up a mountain in Oman at the end of last October. She was less than 4 months post op resection, stoma, on chemo and Fragmin. What could possibly go wrong?! 😆
Price was less the £300, which I thought very reasonable - took their best all cover insurance for that price.mtry them, see what they say.mtheynwere lovely with us. Most companies just said no and the only other quote I could get was over £2700!

Scarlett the Bulldog

I'm looking at insure with, as I'm going to New York for a few days. My treatment was 2 years ago so I don't want to include it. Am I right in thinking, if I put no in the box for pre existing condition, that is correct?

determinedjoan

I don’t think so, no. Think u need to declare it or ur insurance will be void.

jandals

Boots was fine when we last travelled but it was only to France...

jandals

Surely @scarlette the bulldog if you are given the ‘all clear’ or NED you do not at the time of writing the form have a pre existing condition? Just like if you had varicose veins but had them removed this is not a condition any more for example? (So good you are in that healthy place by the way!! ) May be Macmillan legal team can help clarify?

Jane39

Insurance with have given me cover for Europe , Cruise and USA at extremely reasonable price £45 for Europe and £118 for worldwide. I’m stage 4 and on active treatment. Thanks for the information .

Northwesterly

Try All Clear, they gave my wife cover for a week in Oman, who was on chemo for less than £300 for their top whack insurance. Every one is different though and the States might increase the premium asked for because medical cover there is so expensive, but give them a go.

chris61

Hi @Adnyl. Insurance with have just quoted me £76 (for a single trip/cruise cover) after three companies refused me cover simply because I was on the Add-aspirin trial. One company offered me cover (having answered everything asked as accurately as possible on line), however, when I rang them to follow this up, they said no. I have come to the conclusion that, after much on line form filling, it is probably better to call and speak to these companies direct, tell them absolutely everything that may have an impact on the cover you are seeking and read the small print very carefully. Time consuming I know, but had I just gone with the on line quote (too many people just click and pay and think that's it) and then something happened, I dread to think of the associated complications.

Adnyl

@chris61 I'm concerned to hear that the ad aspirin trial can cause problems. I've been asked to participate on it after my chemo ... not sure if it's worth it now :x:

Deano65

Hi there, I am 53 and have stage 4 bowel cancer with mets in my lymph nodes, liver and lungs and got insurance through World First. £255 for the year for Worldwide cover and cruises.I was having chemo when I applied and they know I am terminal. I have enjoyed several holidays in the last 12 months with no problems though I tend to only book 3 weeks in advance then I know how well I am likely to be.

chris61

Hi @Adnyl. I really think it is worth going ahead with the trial. I was given quite detailed detailed information about it before signing up and there was reference to travel insurance in the information I received. However I didn't delve into it too deeply at the time as I had no immediate travel plans then. Now I have and began to get rejects from certain companies, I raised the issue with my trial nurse who sought some information from the trial team as follows:

'If the patient has trouble getting travel insurance in the first place, we have had a patient previously who was able to take out travel insurance with SAGA.

What we have also recommended in the past is to send a copy of the add-Aspirin GP letter (this could be attached to a note signed by the patient’s doctor) to insurance companies to reassure them about the simplicity of the trial.'

They also provided a link to this information on the Cancer Research website:
www.cancerresearchuk.org/...d-clinical-trials#travelinsurance

I did start a separate post about this. It seems many insurance companies will just say no because it is the easy thing to do and, as so much is done on line now, is a case of passing muster when answering their predetermined questions. So much for customer service!! As an ex civil Servant I also approached AXA (who are the insurers for the CSPA) who also declined. I found InsuranceWith most co-operative, although they have certain restrictions on their policies, these will depend on what you are looking for. They did tell me that, where cover might not be offered immediately, they could refer applications to a specialist team for more detailed consideration which certainly shows willing. At the end of the day it is all about what the underwriters (not the front facing company) will provide cover for so some shopping around and persistence may be required. A broker could also help and it is worth knowing that the British Insurance Brokers Association - BIBA - can help locate an suitable broker specialising in travel insurance if necessary.

Bear G

Thanks for that info @chris61 , very helpful especially for those on the trial.

It should be noted that few of us with ongoing treatment for cancer (whether in a trial or not) can get travel insurance with the big companies, we have to go to specialist insurances who are dedicated to those with serious health conditions. There are lots of posts in this forum that show this. Unfortunately these aren’t on the comparison sites so you need to contact them directly.

I’ve just got worldwide multitrip insurance with ‘Insure With’ for around £240 (I’m stage 4, I’ve had recurrences and surgery in the past 2 years and am taking ongoing chemo, plus treatment for hypertension and reflux caused by the chemo).
:x::x: