I don't think they are ripping people off. Insurance companies are businesses, not charities, and they have to mitigate their potential costs. A significant part of what we are asking them to cover is the risk of travel cancellation or delay - a man with prostate cancer may be unlikely to die suddenly on holiday as a result of that cancer but may need to cancel or postpone a holiday due to cancer progression, change of treatment plan, change of drugs causing unexpected side effects, the hospital changing the appointment date, infection due to weakened immune system (not just men on chemo but also those on abiraterone, enzalutimide, apalutimide, etc) and then there is the increased risk of hernia (men who have had LRP), lost medication, urinary retention (anyone with an enlarged prostate or existing retention issues), osteoporosis (anyone on HT for more than a couple of years unless they are also having zometa infusions).