Do I need to tell you about my cancer when buying travel insurance?
Yes, it’s important you let us know about your cancer, along with any other pre-existing health conditions you have so we can include them on your travel insurance.
Depending on the type of and stage your cancer is at, you may be able to get cover for your condition. Types of cancer you may be covered for include:
- Lung cancer
- Breast cancer
- Prostate cancer
- Bowel cancer
- Skin cancer
What stages of cancer can you insure me for?
Whether you’re living with cancer or are in remission, we may be able to offer cover if:
- Your doctor has declared you fit to travel
- You’re not awaiting surgery, chemotherapy or radiotherapy
If you are waiting for an operation, chemotherapy or radiotherapy,it is still worth getting in touch to see if we can help. Even if we are unable to offer cover for your health conditions, we may be able to offer some cover for things like lost luggage or a stolen passport. This means you wouldn’t be covered for anything directly or indirectly related to your cancer or other pre-existing health conditions.
Are there benefits to having my family on the same policy, even though I’m the only one travelling with cancer?
It may well be a good idea to cover your whole family together. It can work out cheaper and best of all, every traveller is covered if you have to cancel because of an unexpected medical emergency. If you take out separate policies, this may not be the case.
Having everyone on the same insurance means you can claim back the entire cost of your holiday, not just part of it.
What sort of things will you ask me about my cancer?
To make sure your policy does its job properly, we need to personalise your policy to understand how your cancer affects your life. So, we’ll need to ask you a few questions to get to know you a little better. Don’t worry, we’ll never rush you.
Here are some of the questions we may ask:
- What type of cancer do/did you have?
- Has your cancer spread to other parts of your body?
- Is further treatment planned?
- Are you taking strong painkillers on a daily basis?
- How long ago was your last cancer treatment?
Is my cancer covered by my Global Health Insurance Card (GHIC)
If you’re planning a holiday to Europe, you’ll need to take a free GHIC (or an EHIC) as a condition of our travel insurance.
When the United Kingdom left the European Union, the GHIC replaced the EHIC as the means for accessing free or subsidised healthcare in selected European countries. Before you travel, make sure you check that your destination is covered by GHIC, just so you’re ready if you do need any emergency or necessary treatment for your cancer during your trip.
Remember, your GHIC is not the same as having good health conditions travel insurance. For example, it won’t cover you if you need to cancel your holiday.
Your GHIC helps reduce your medical costs where subsidised healthcare is available. If you can use your GHIC and have to pay a subsidised fee for your treatment, we’ll remove the excess fee on medical emergency claims for you.
I’ve bought travel insurance for my cancer already. Should I tell you if my condition changes?
If there are any changes to your health, it’s important you let us know as soon as you can, so we can update your travel insurance policy.
If you forget to tell us about any changes to your health, this may affect your travel insurance policy. If your policy isn’t accurate, this may mean any potential claims may not be accepted if you needed us further down the line.
Do I need to have had both my Covid jabs to be covered?
As long as you’ve had the vaccines you’ve been offered for Covid-19, you should be covered. If you haven’t been offered both doses yet or you’re medically exempt then you can also be covered.
If you’ve refused any doses of the vaccine or haven’t been able to have a dose you’ve been offered, you won’t be covered.