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Help - Travel Insurance

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User
Posted 24 Jun 2021 at 04:19

Hi folks

Looking for some help please. Can anyone advice of an insurance company that will provide holiday insurance? I've tried 6 already and all refused on the basis my husband has advanced prostate cancer. Flying to Jersey on Saturday and panic setting in.

 

Many thanks

Sharon 

User
Posted 24 Jun 2021 at 17:32

Have you tried AllClear, Insurewith or World First?

Ido4

User
Posted 29 Jul 2021 at 23:37
I think the cruise bit pushes the price up - Dad's was nearly £1000. It is very expensive getting people airlifted from a cruise ship in a crisis and, as my friend found out a couple of years ago, just as expensive having to get a body off and returned home.
"Life can only be understood backwards; but it must be lived forwards." Soren Kierkegaard

User
Posted 24 Jan 2022 at 11:11

Hi 

I've got a terminal diagnosis of PCa and had no luck with AllClear. I have tried numerous places including some that had quoted me last year and now are out of play (bust?!). I phoned InsureCancer and they were sympathetic but would only insure a trip at a time, 4-5 weeks out, and following a testimonial from my oncologist. I was more ambitious than this because i want to book my trip(s), including trying to visit my brother in the USA. 

The helpful person at InsureCancer suggested i try the government-sponsored site Money Helper

https://www.moneyhelper.org.uk/en/everyday-money/insurance/use-our-travel-insurance-directory

I phoned WorldWide Travel Insurance (they were at the top of the list that day) and got an ANNUAL FAMILY insurance INCLUDING USA! OK not cheap (three figures) but much much more affordable than i had feared, and it cuts out worry and hassle about insurance totally for a whole year... we can go on a booking spree. (Well, if we could afford it of course.) I was so pleased. I even phoned back the next day to double-check. The cover was possible because although the oncologist has said it is terminal she has not (yet) given me a specific 'deadline' to check out. (I also suspect that having had radiotherapy - more or less experimentally in my case with stage 4 PCa - was a good thing, because it is sometimes associated with good outcomes in the insurers' databases - but that is a guess). 

Another good thing about WorldWide was that their questions were fairly open and flexible - i had previously found some other companies to follow a rather extensive 'tree' of questions which sometimes did not make a lot of sense. Worldwide did it on the basis of my answers and no contact with oncologist needed.

I am very happy about this, after some disappointing insurance hunting in the past, hence the long email ....

DON'T GIVE UP!! AND GOOD LUCK

sorry for the long post.

graham

(diagnosed Dec 2019, Gleason 4+5, liver, bone, bladder, prostate)

 

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User
Posted 24 Jun 2021 at 16:38

I can't offer much advice. I got travel insurance online a while back and it had the option to exclude a disease if you so wish. So if you are prepared to accept that PCa is not covered or any complication from it, then you should be able to get insurance quite easily. However if he slips and breaks a bone the insurers will undoubtedly blame it on a prostate met. If you definitely want the advanced PCa covered then it may be more tricky.

How long are you going for? If just for a long weekend I would take the risk

.

Dave

User
Posted 24 Jun 2021 at 16:49

Thanks Dave

Going to Jersey for 1 week. Leave this Saturday.

 

User
Posted 24 Jun 2021 at 17:32

Have you tried AllClear, Insurewith or World First?

Ido4

User
Posted 24 Jun 2021 at 18:03
Hi I was in the same boat. Always insured with Boots but they rejected me now I’m officially advanced. My dad advised me World First and they were brilliant. Me and my boy 3 night cruise for £30. Very easy to use. Speak to them and don’t do it online
User
Posted 24 Jun 2021 at 18:47
There is a UK/Jersey reciprocal health arrangement. It is limited but for a short visit it might suit.

It is basically emergency type treatment. John

Gleason 6 = 3+3 PSA 8.8 P. volume 48 cc Left Cores 3/3, Volume = 20% PSA 10.8 Feb '19 PSA 1.2

Jan '20 PSA 0.3 July '20 0.1 Jan. 21 < 0.1 Dec 21 <0.01 June '22 <0.01 April '23  <0.01

User
Posted 25 Jun 2021 at 00:38
Not sure if this might help, and certainly not this week, but we have annual travel insurance with a Nationwide FLEXPlus bank account for so much (£14?) a month. With them you can exclude complications of prostate cancer to save paying an extra premium to cover it.

I doubt if your Old Man is going to expire with advanced PCa in the next fortnight, otherwise you wouldn’t be travelling on holiday, so my advice, is to wing it, bearing in mind the reciprocal health care agreement with the States of Jersey mentioned above, or keep trawling for an insurance policy at an exorbitant price which wouldn’t cover you for very much anyway once you made a claim!

I was in Jersey fifteen years ago, and woke up with severe gout on a Sunday morning. I was in St Brelade’s Bay, but I found a pharmacy in St Helier miles away that was open. I drove there to get some indomethacin, but unlike in Britain, the Pharmacist couldn’t discretionally prescribe me a few tablets without a prescription.

Of course, all the doctor’s surgeries were closed. I ended up in a wheelchair on and off the BA flight to London, but they were so generous with the red wine it probably made my gout worse!

I take daily allopurinol now and have never had gout since.

User
Posted 29 Jul 2021 at 17:37
Hi guys just a question. Now I’m advanced PCA with spread to lymph and bone it’s hard to get insurance. I’ve just tried saga and they want £400 just for me on a 7 night Iberian cruise. Is this mental or does it sound about right. I want to travel as much as possible whilst I can.

Thanks in advance

User
Posted 29 Jul 2021 at 23:37
I think the cruise bit pushes the price up - Dad's was nearly £1000. It is very expensive getting people airlifted from a cruise ship in a crisis and, as my friend found out a couple of years ago, just as expensive having to get a body off and returned home.
"Life can only be understood backwards; but it must be lived forwards." Soren Kierkegaard

User
Posted 08 Sep 2021 at 09:31
Just tried to get insurance cover for a Caribbean cruise in Jan 2022, and so far no one will offer insurance.

Without insurance you cannot get on the boat. Does seem very frustrating, it's not as if i've got a dicky ticker that might pack up at any moment.

I feel perfectly fit and well with PC at the moment and doubt it would cause issue so quickly over a two week cruise but the insurance companies just make you feel like an outcast to society!!! :-(

User
Posted 08 Sep 2021 at 16:55

We are in the same boat I asked the same question in another thread, we are trying to get insurance to go away in may to Canada but so far on one will give us a quote but my husband is still going through chemotherapy so we are going to leave it for a while and try again 

Ann 

User
Posted 08 Sep 2021 at 17:27
Whilst the USA has some of the best hospitals and clinicians in the World, unless you are covered by insurance, the cost of treatment could be bankrupting. So it's one place I would not wish to carry my own risk with advanced PCa.

I also agree it can be better to discuss an individual case direct with insurers rather than try to arrange through comparison sites who operate in a less flexible way. It may well be that your situation will be referred to a specialist team who will evaluate your individual application and assess you as a risk on the basis of your answers to questions

Barry
User
Posted 08 Sep 2021 at 20:53
I got insurance from Battle Face that excludes pre existing conditions
User
Posted 09 Sep 2021 at 09:21

Hi 

Finally got an annual policy from AllClear Travel Insurance that includes cover for PC, phoned them rather than go through the web. Price was a bit heavy to say the least but at least I can go abroad over the next 12 months with that piece of mind.

Ta, Stuart

Edited by member 09 Sep 2021 at 09:22  | Reason: Not specified

User
Posted 24 Jan 2022 at 11:11

Hi 

I've got a terminal diagnosis of PCa and had no luck with AllClear. I have tried numerous places including some that had quoted me last year and now are out of play (bust?!). I phoned InsureCancer and they were sympathetic but would only insure a trip at a time, 4-5 weeks out, and following a testimonial from my oncologist. I was more ambitious than this because i want to book my trip(s), including trying to visit my brother in the USA. 

The helpful person at InsureCancer suggested i try the government-sponsored site Money Helper

https://www.moneyhelper.org.uk/en/everyday-money/insurance/use-our-travel-insurance-directory

I phoned WorldWide Travel Insurance (they were at the top of the list that day) and got an ANNUAL FAMILY insurance INCLUDING USA! OK not cheap (three figures) but much much more affordable than i had feared, and it cuts out worry and hassle about insurance totally for a whole year... we can go on a booking spree. (Well, if we could afford it of course.) I was so pleased. I even phoned back the next day to double-check. The cover was possible because although the oncologist has said it is terminal she has not (yet) given me a specific 'deadline' to check out. (I also suspect that having had radiotherapy - more or less experimentally in my case with stage 4 PCa - was a good thing, because it is sometimes associated with good outcomes in the insurers' databases - but that is a guess). 

Another good thing about WorldWide was that their questions were fairly open and flexible - i had previously found some other companies to follow a rather extensive 'tree' of questions which sometimes did not make a lot of sense. Worldwide did it on the basis of my answers and no contact with oncologist needed.

I am very happy about this, after some disappointing insurance hunting in the past, hence the long email ....

DON'T GIVE UP!! AND GOOD LUCK

sorry for the long post.

graham

(diagnosed Dec 2019, Gleason 4+5, liver, bone, bladder, prostate)

 

 
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