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Hoping to go on holiday

User
Posted 03 Sep 2021 at 12:19

Hi I was wondering if anyone had recently got travel insurance and who they used, I’ve recently tried to get cover for my husband but so far no one will insure him, we are hoping to go to Canada in may then Spain in July, any information would be greatly appreciated 

thank you

Ann

User
Posted 04 Sep 2021 at 03:57

Hi Ann,

I am 75 and used L&V and found them good for 90 days in one trip traveling in Europe in Motorhome, but last year changed to Barclays travel breakdown and health cover for me and the wife for £12.00 per month, maybe worth a look at they where ok with my prostate cancer and a few bits with my wife but i think they will only cover us till we are 80.I used the breakdown in June for a flat tyre on Motorhome in Kent but not used in Europe yet.

John.

User
Posted 04 Sep 2021 at 07:11

We use our Nationwide Flexplus bank account, annual travel policy, plus car breakdown for about twelve quid a month.

Tell them about the cancer, they will add a surcharge, or sometimes you can opt to be covered for everything EXCEPT PCa, which might attract no surcharge at all.

There’s loads of posts about this here, if you search for ‘travel insurance’ on this site.

Happy holidays.

Cheers, John.

Edited by member 04 Sep 2021 at 07:13  | Reason: Not specified

User
Posted 04 Sep 2021 at 08:05
"Insurewith" are a company which specialises in insuring people with cancer (and other medical conditions).

Chris

User
Posted 04 Sep 2021 at 19:19

Thank you I will look at those options 

Chris someone else said insurewith but they aren’t taking any new policies at the moment, there was another one MIA insurance but they will only give quotes 60 days before you go 

thanks again 

Ann

User
Posted 04 Sep 2021 at 22:39
You may have more success once he has finished chemo - he is probably too big a risk during the treatment cycle
"Life can only be understood backwards; but it must be lived forwards." Soren Kierkegaard

User
Posted 04 Sep 2021 at 23:17

Hi Ann,

This isn't answering your question but it's a series of risk reductions.

The holidays are a long time off.  Are you planning to book right away?

I booked a holiday in Australia just before I was diagnosed, five years ago, and decided to take as few chances as possible.   I didn't want to claim on insurance if I could avoid it, although I registered a potential claim and got the forms.

I rang the airline asking about moving the flight and they said they would for a fee but suggested I waited until 24hrs before take off and to ring them then.  The apartments I'd booked I waited until the date the payments became due and cancelled them.  I lost a small deposit.

I had the op and the post op clinic was 5 days before flight.   It was good news so I went home and booked the apartments and a couple of other flights.  It cost me quite a bit more for the internal flights than if I'd booked them earlier.  I was ready to pay extra for reduced hassle as I was pretty flexible about whether we flew to other places as we had alternatives.

On subsequent holidays I've not insured for prostate cancer.  Some say that's a big risk as the company could try to avoid paying using it as an excuse.  I try to use companies with good reputations and don't expect that to happen.   I also wouldn't go a long way if I felt there was more than a very small chance of me being ill.

As for going to Canada.  I don't know what their health arrangements are but I would be very wary of going to the USA now.   If Canada is the same system I'd be wary there and look for full cover, might be expensive.   

Going to Spain I'd check what their arrangements are as the E111 is being phased out post Brexit and replaced with something new.  The E111 was a backstop anyway.   I'd also be a wary of the something new and take a close look on what it actually does.  When we go to the continent I don't cover my prostate cancer but I'm not being treated.

It can depend on your financial situation because as they say if you've got nothing you've got nothing to lose.

Anyway that's my opinion and perhaps offers some thoughts.

All the Best, Peter

Edited by member 04 Sep 2021 at 23:18  | Reason: Not specified

User
Posted 05 Sep 2021 at 18:34

Yes lynn that’s what one of the ladies from one of the insurance companies said to us 

my husband had 3 more chemos to go so we will wait a bit longer then try again 

thank you 

ann

User
Posted 05 Sep 2021 at 18:39

Thanks Peter the new E11 is now GHIC and I’ve just applied for those, Canada isn’t like USA for healthcare I think it’s similar to ours, the insurance companies are ridiculous why should someone be punished because they have an illness anyway my husband said he’s going regardless but I’m hoping we can get something sorted out nearer the time 

thank you

ann

User
Posted 05 Sep 2021 at 19:58
To travel to EU countries now, travel insurance is mandatory; you may have to show the insurance certificate before you are allowed to board the plane or ferry. One of the specialist companies will probably be happy to quote once the chemo is finished but as suggested above, if no one will cover him with the prostate cancer included, you may find a company happy to exclude prostate cancer but this will mean excluding any and all possible side effects of prostate cancer treatment as well.

I don't think the insurance companies are punishing people. They take a balanced view of risk and someone with advanced cancer who is on active treatment is a significant risk for them - a change of treatment plan may force you to postpone or cancel, unwanted side effects of the chemo (such as heart problems) increase the risk of him being too ill to travel or becoming ill while he is away, HT can cause breathing problems and if he struggled to breathe on the plane & the airline had to divert to another airport, the cost can be hundreds of thousands of £££, and if the worst came to the worst and he died abroad, it costs thousands of ££££ to sort out.

We took my mother-in-law for one last trip to Australia before she died - she had cancer, high blood pressure and dementia. Her seat in business class cost about £3,000 (we went in the cheap seats at the back!) and the insurance was over £4,000 but it was worth every penny to give us peace of mind if anything went wrong.

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

User
Posted 05 Sep 2021 at 21:15

Thanks lynn, it’s all very worrying and I don’t really want him to travel with pc excluded I’m hoping nearer the time we can get a quote from someone, on another site someone recently got insurance from Mia insurance and they had advanced pc and it was a reasonable price but when I phoned they said to phone back 60 days before travelling 

thank you 

Ann

 
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