Does PCa affect travel insurance?

User

Posted 28 Jun 2018 at 14:08

Originally Posted by: Online Community Member

I’ve used Holidaysafe for the last 3 years

Arthur

Thanks for the recco for Holidaysafe. I have been offered an annual worldwide policy for £59, excluding PCa (which hopefully I don’t have anymore, having had it removed three weeks ago). I am 62 and for the purpose of the quote and speed that was the only medical condition I mentioned. I also have others which I will fully declare when I buy a policy.

They refused to quote on-line, but having called a nice lady and explained everything, they stuck with their original quote with the exclusion. She said they would offer more cover for recurrence of PCa the longer I am “in remission”. And there was me thinking I was “cured” :-) !

Cheers, John

Edited by member 28 Jun 2018 at 14:40 | Reason: Not specified

User

Posted 29 Jun 2018 at 11:17

Well new update on travel insurance,after a couple of days brewing on being declined I phoned again to maybe challenge the result .Spoke to a lovelly man who went through everything again and found out that the terminal box had been ticked ,and also when I explained that the extra drugs on the trial were hormone based and not some new drug that was being trialled we were excepted at the same premium as last year £129 for worldwide travel .
I always feel as if I’m on trial when answering these questions ,I know they read from dummy boards and can’t deviate, but sometimes if you could just explain things it would save a lot of this uneasiness .
Debby

Edited by member 29 Jun 2018 at 11:45 | Reason: Not specified

User

Posted 29 Jun 2018 at 14:22

The box ticking way we are compatmentalised these days!

Sometimes it's worthwhile pushing for a more personalized result - well done.

Barry

User

Posted 30 Jun 2018 at 00:00

Might be worth going somewhere exotic so you can get the Cholera vaccine!!

https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6006429/

User

Posted 07 Sep 2018 at 10:36

Diagnosed 29th August, Gleason 7, PSA 4.2

Very grateful to LynEyre, Merrivale and Ulsterman for their posts. We also have Flex-Plus Account, and with an immanent holiday in Mallorca, was concerned whether to declare or not. I did so, and UK Insurance added cover for P/C, on Annual Worldwide for extra £40.00

Mind you, I may shop around when due for renewal, following some of your suggestions, as total for over 75yrs, asthma and Atrial Fibrillation, is £268. But better than no insurance? David

User

Posted 07 Sep 2018 at 18:30

Hi Chris

I'm with Nationwide with a flex plus account and been diagnosed with Advanced PC.

For future trips they have quoted £115 per annum which I thought was pretty reasonable. I haven't paid it yet because I've just embarked on my treatment and I can't envisage going abroad again at this stage, just concentrating on the treatment and seeing how I go.

I did actually have 3 trips booked, the first in a fortnight to Vancouver and California has been cancelled and I've made a claim, I've got two others booked in January and March next year but I reckon i've no chance of making them so further claims will follow..

My wife has stepped in, bless her, so instead of going to Vancouver and a 10 night Californian coastal cruise we are having a weekend in Whitby which I'm really looking forward to.

Edited to add i'm surprised nationwide won't support anyone undergoing Stampede. I'll ring them on monday

Edited by member 07 Sep 2018 at 18:36 | Reason: Not specified

User

Posted 09 Sep 2018 at 19:27

I’ve had PCa and am now in remission,my travel insurance is free with my bank account HSBC , I got in touch explained everything and they say it’s on file and there’s no problem or extra cost , they even sent me a letter confirming that l informed them and I’m fully covered worldwide.

User

Posted 10 Sep 2018 at 12:55

Great news. I have Nationwid Flexiplus insurance & had to claim near the maximum as holiday booked before prostate cancer tests were required. I hopefully will be “free” in late February & was concerned about insurance . Definitely will try Nationide Flexiplus

User

Posted 10 Sep 2018 at 16:30

I am also with Nationwide and have a flex account with the insurance. I will be keen to know how much my pc will alter my conditions and if they require extra payments to cover. I will make enquires when I get my results of PSA levels at the end of this year.( 12 weeks after then end of radiotherapy)

Edited by member 10 Sep 2018 at 16:51 | Reason: Not specified

User

Posted 10 Sep 2018 at 16:39

You‘ll probably beat me as my radiotherapy starts early January if all goes well, thus my earliest ‘clear‘ date is mid /late Febrairy. Good luck!!

User

Posted 05 Nov 2018 at 12:14

I have just arranged an annual travel insurance following my initial quote of £59 from Holidaysafe (excluding anything to do with PCa). They claimed not to know anything about it and referred me to their sister company Insurancewith.

Following a lengthy interrogation regarding the state of my health, they offered me an annual worldwide policy for £181, including cover for PCa related claims, subject to an additional excess in the event of a claim. I declared a few other medical conditions I had not mentioned on the original £59 application, such as hypertension and cholesterol.

That price also includes an additional premium for ‘cruise cover’, as cruise ship doctors are amongst the worst pirates at sea. If you are unfortunate enough to croak on board, the cheeky buggers charge $150 for what they term ‘post-mortem care’, i.e. ram cotton wool plugs up every orifice, bung you in a body bag, and stick you in a fridge until they can disembark your corpse at their earliest convenience. Burial at sea would be preferable!

So quite pleased and very reasonable.

Cheers, John.

Insurancewith

Edited by member 05 Nov 2018 at 12:22 | Reason: Not specified

User

Posted 09 Dec 2018 at 16:31

Can you please excuse me for resurrecting this subject again, as following a very lengthy on-line questionnaire on Insurewith’s website today, they now want about £150 for two weeks travel insurance to Egypt. Moreover, there is a £250 excess.

I find this very galling, bearing in mind there is nothing wrong with me (apart from ED - they asked had I had psychological counselling for it 😂😂😂😂) and have been told I am cured😉.

Anyone with any updates?

Many thanks.

Cheers, John.

User

Posted 09 Dec 2018 at 17:13

I for one am happy that this thread has been resurrected as I have a holiday booked for April next year.
Fortunately the policy was taken out before my diagnosis so all should be ok but will make sure I check before making any more holiday bookings.

I am due to pay the balance of the holiday this month but have just received my Oncologist appointment for 8th January when I happen to get dates for my RT which looks like may be before or same time as the holiday.
Hopefully the travel agent can put of payment for a week or two to save having to claim on the insurance if I can’t get treatment postponed.

Bob

User

Posted 09 Dec 2018 at 17:13

Hi John,

I too am going to Egypt on 12th Jan for 17 days. As I mentioned earlier in the thread, I contacted the insurers I get the "free" insurance associated with my bank account, and they simply told me that my insurance continues to be valid, but with any issues associated with either PCa or my kidney removal excluded. That's fine with me - neither is at all likely to cause any medical issues.

Cheers,

Chris

User

Posted 09 Dec 2018 at 19:33

Did you not take the annual cover in November, Bollinge?

I wonder if the high cost is because it is Egypt rather than anything else? Many companies still won't fly in there, will they, so perhaps the insurer is jumpy? Or the area where you are staying is secure but if there were problems you might have to transfer to a hospital in a not so safe area?

You could try insureandgo; they have been brilliant with us. His PCa covered for about £120 annual worldwide (excluding USA) for both of us, and even when he climbed Kili after the recurrence but before salvage RT, it was only about £30 extra.

"Life can only be understood backwards; but it must be lived forwards." Soren Kierkegaard

User

Posted 09 Dec 2018 at 22:26

Bob

You should tell your company asap about your diagnosis. It is my understanding that they will pay the cancellation fees due on the day of your diagnosis. So, if when you were diagnosed, you had a 50% penalty, they'll cover that. If you wait until later to tell them and you're meant to pay 100%, they can still only offer to pay 50%. Hope that makes sense.

Ulsterman

User

Posted 10 Dec 2018 at 04:10

Thank you Matron. We have had to cancel all holidays this year due to my little difficulty down below, so I didn’t take out the annual policy.

We are back up and running now, so a few trips planned, and we will go somewhere nice for Her Loveliness’s 60th next year.

I checked with Insureandgo (who class Egypt as ‘Europe’, not ‘Rest of the World), and it’s looking good, but I have to call them after 9 am to give them details of my ‘infirmity’ over the phone, as it can’t be done on-line.

Cheers, John.

Edited by member 10 Dec 2018 at 05:58 | Reason: Not specified

User

Posted 10 Dec 2018 at 08:39

travelinsurance4medical.co.uk

hi
I used this company for Tony this year, it is the first time in tears I could get annual insurance due to him having multiple problems.I Paid £340 for the rest of the world apart from America and the carebean. The holiday we had booked was Indonesia and Singapore. I have previously had to pay anything up to £900 to go on a long haul holiday, it would have been just over 300 for a 2 week holiday and it was an extra 40 for annual

regards barbara

User

Posted 10 Dec 2018 at 10:27

Originally Posted by: Online Community Member

Bob

Ulsterman

Thanks for that Ulsterman looks like you may have saved me from losing money.

Have spoken to my Insurance Co (Aviva) I am covered for the deposit that was paid for before diagnosis but would not be covered for any monies paid after and they will not offer cover at extra cost.

unfortunately it looks like we will have to cancel the holiday.

Bob

User

Posted 10 Dec 2018 at 10:34

There's really no reason that PCa should result in any medical claims in and of itself, Bob, and any insurance company will give you cover that excludes existing conditions, so it's really a question of whether or not you feel comfortable travelling with an uninsured medical condition. It's not something that concerns me, but we're all different in that respect.

Chris

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