Getting the right cover to travel with cancer
When you’re living with cancer, going away on holiday could be just what the doctor ordered. That means you’ll most likely be looking for a good quality travel insurance to covers things like medical expenses.
With our specialist medical travel insurance, we consider all pre-existing conditions. We help where we can, to cover cancer patients as long as you haven’t received a terminal prognosis, having been given a life expectancy by my doctor or medical professional.
Depending upon the type of cancer and the stage that it’s at, we might be able to cover you for the following:
- Lung cancer
- Breast cancer
- Prostate cancer
- Bowel cancer
- Skin cancer
Getting travel insurance for cancer will mean that if something happens to you, you could be covered for medical expenses or having to cancel your holiday plans due to your condition.
When you’re ready, you can get a quote online and pay in minutes, or if you’d rather speak to us, you can call our UK contact centres for free on 0800 888 6195.
Do I need to declare my cancer when getting travel insurance?
Yes, it is essential for you to declare having cancer, along with any other pre-existing medical conditions that you may have, when getting travel insurance so that these can be considered in your cover.
We want you to be able to travel in confidence knowing that you are covered for your pre-existing medical conditions.
By telling us about the nature of your cancer, the treatments you’ve had and how it affects your daily life, we can build a level of cover that suits your needs.
Get a quote for cancer travel insurance online or call us for free today on 0800 888 6195.
When can we insure you for cancer?
If you’re living with cancer, or are in remission then we may be able to offer you our full cover if you can say yes to all of the following:
- Your doctor has declared you fit to travel
- Your condition is not terminal
- You are not awaiting surgery, radiotherapy or chemotherapy
If you have cancer and are awaiting surgery, radiotherapy or chemotherapy, then we may still be able to offer you some cover, but would not be able to cover your pre-existing medical conditions.
That means you wouldn’t be covered for anything that could be caused by cancer or any of your other pre-existing conditions, like having to cancel your trip.
What should I do if you are unable to provide me with cover?
If we are unable to provide you with the right level of cover to travel, then we can direct you to alternative travel insurance providers who can help you.
You can contact The British Insurance Brokers Association (BIBA) who will be able to assist you in finding travel insurance that’s suitable for your individual needs.
We can also signpost you to InsureCancer.com who can also be contacted on 0845 6490190. Insure Cancer specialise in providing cover for people with active, metastatic, relapsed or terminal cancer, as well as for people who are involved in clinical trials.
Travelling with cancer
Before you book a holiday, you should check with your doctor to make sure they are happy that you are safe to travel. If your doctor does not advise for you to travel then we will not be able to cover you.
If your doctor is happy for you to travel, it is a good idea to get them to write a letter that states the name and dosage of any medication that you take for your medical conditions, as well as any procedures you’ve had. Having this letter, along with proof of your pre-existing medical travel insurance, will make it easier to get treatment if you need it during your holiday.
It’s best to pack more medication than you would normally need just in case there are any delays to your journey.
If you are travelling to another country, you should check whether any of the medication that you take for your conditions is restricted within this country and make the appropriate arrangements to travel if it is restricted.
Is my cancer covered by my European Health Insurance Card (EHIC)?
If you are planning a holiday within Europe, you will need to get an EHIC as a condition of our travel insurance.
The EHIC is free and entitles you to free healthcare in most European countries when you use their state provided healthcare. Before you travel, it’s best to check that your destination is covered by EHIC, so that you can be prepared if you do need any treatment during your holiday.
Your EHIC is not the same as having good travel insurance for your medical conditions and won’t cover you for things that might go wrong, such as having to cancel your holiday or emergency transport home. That’s where your travel insurance with pre-existing medical conditions comes in. What your EHIC can do is reduce the medical costs where subsidised healthcare is available to you.
If you can use your EHIC to receive treatment during your holiday, and you have paid a subsidised fee, we will remove the excess fee for your medical emergency claims.
Annual Multi-Trip travel insurance
If you are planning on travelling more than once this year, taking out an annual travel policy with us may work out more cost-effective.Find out more
Single trip travel insurance
Wherever you intend to travel in the world, single trips of up to 550 days can be insured, giving you and your family peace of mind.Find out more
Why choose Avanti Travel Insurance?
Choosing Avanti for your cancer travel insurance will give you the following benefits:
- All medical conditions considered – including cancer
- No upper age limit on Single Trip and Annual policies
- Travel as often as you like with our Annual Travel Insurance*
- Cover for UK, Europe and worldwide holidays
- Three levels of cover to choose from
- Over 85 sport and adventure activities included as standard
- Optional upgrades for winter sports, golf, cruises and more…
Benefits of Avanti Travel Insurance
Not all insurers will consider covering you when you have cancer – but then again, we’re not your everyday insurer.
As specialists in insuring people with pre-existing medical conditions, we know how important your holidays and time with family can be. So if we can help you, we will.
We offer three levels of cover, but our Deluxe cover is our most comprehensive option.
As well as being rated as 5 stars by Defaqto, it offers these benefits and more to people with cancer:
- Unlimited medical expenses
- Cancellation cover up to £7,500 (up to £10,000 cruise cancellation cover)
- 24-hour medical emergency helpline
- Baggage covered up to £3,000 (up to £5,000 for cruises)
- No excess payment
You might think that as an insurance provider, we may just cover the cost of something going wrong. But if you have a medical emergency while you’re on holiday, what’s more important is that we’re here to help in your time of need.
From finding a medical facility that’s best equipped to treat you, to helping with translations between you and your medical team, our medical emergency helpline is available 24 hours a day.
If needed, we’ll help you to get back home safely, including sending out a friendly trained medical professional to fly back with you.
When it comes to settling the bill, having a medical emergency abroad can be astonishingly expensive. Having to pay upfront for medical expenses with too many zeros can feel daunting or impossible – even if you know that you’ll be able to claim it back.
So where your medical bill comes to over £350 and you have a valid claim, we’ll look to settle the bill directly with the medical provider where possible. That means that you won’t be out of pocket and you can concentrate on getting better.
Should my family be on the same policy if we’re travelling together even if they don’t have medical conditions?
As well as sometimes being cheaper to buy policies together as a family, there are some lesser known but important perks of buying together.
The biggest benefit of buying together is knowing that you should all be covered for having to cancel if any of you have a medical emergency.
If you’d bought separate policies, then it could be that any other traveller may not be covered for having to cancel due to your medical emergency.
So being covered on the same policy can give you the added protection to claim back the full cost of your holiday instead of a portion of it.
Types of travel insurance cover we offer
Now that you know where you can get great cover for your pre-existing medical conditions, you can think about the other things that need to be covered for on your policy.
You can choose cover for holidays on land or a policy that is designed exclusively for cruises, depending upon the types of holidays you like to take.
Once you’ve decided on this, you can then choose whether you want to be covered for a single trip or if you’d like to have an annual policy, so you can book holidays throughout the year knowing that you’ve got great cover.
What questions will we ask about your cancer?
When applying for our cover, we’ll ask you a few multiple choice questions to help us understand how your cancer affects you. We’ll always respect your confidentiality and use the information to help us build a level of cover that suits your needs.
Here’s a few questions we commonly ask:
- What type of cancer do you (or did you) have?
- Has you cancer ever spread to other parts of the body?
- How long ago was the last treatment for your cancer?
- Do you have any further treatment planned for this condition?
- Are you taking strong painkillers everyday for this condition?
If you’re ready to answer these questions about your condition then let’s go and get your travel insurance!
Talk to us today on 0800 888 6195. Or, you can get a quote online in just a few minutes.
I’ve already purchased travel insurance for my cancer; do I need to keep you updated if there are any changes to my medical conditions?
Yes, it is essential for you to declare any changes to your condition, or if you are diagnosed with any new conditions, so that we can consider these within your cover.
It might be that you took out your policy and have since been told that your cancer is in remission, or maybe you’ve been diagnosed with a new condition that’s completely unrelated to your cancer.
By telling us about these conditions we might be able to include these within your cover and allow you to travel with peace of mind.
You will need to tell us about any changes or new conditions before you next travel on your policy in order to be covered for them.
Update your policy today by calling our Customer Service Team on 0808 281 0389.
* Upper limits apply