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InsureWith Annual Travel Insurance - Issue

User
Posted 07 Oct 2024 at 11:58

Hi All,

 

I wonder if someone can help please.  My husband was diagnosied with Stage 4 Prostate Cancer in 2021.  He is taking Enzalutamide successfully since then.   We have been with InsureWith since that time.  

 

Unfortunately he had a coloncospy in June and they have said he has the very beginnings of Non Hokinson's lymphoma.  His coloncospy was intially fine and then they grew cultures.  He has been put on a watch and wait every six months.   No treatment offered.   We called our travel insurance and they say that they dont cover people with a diagnosis within 12 weeks of your trip.   We are going to Thailand and Singapore in Nov 24.

 

Now is the diagnosis date from the date husband was told what the issue was or the date that the medical profession knew he had this?  The consultant appointment was a number of weeks after he got the letter to arrange a visit and he was told it was a non urgent appointment hence the delay.

Maybe clutching at straws though.  

 

 

 

 

 

User
Posted 07 Oct 2024 at 13:43

Hi Corrie 

 

Insure With refused to insure me because I take 2 X blood pressure medication and have stage 4 cancer so I've got basic bank insurance with Nationwide that omits prostate cancer, colon cancer, skin cancer and blood pressure.

I just take the risk, currently on a Med cruise and trying to live life to the full.

Life's for living.

User
Posted 07 Oct 2024 at 14:02

Yes, of course that is an option -  to fly effectively uninsured.  Of course insurance companies will try and find links to the excluded items to stop a claim for an included one.  For example using the Stage 4 diagnosis and symptons to claim that a broken leg was a side issue of having cancer i.e brittle bones.

 

I would probably go if it was me.  We have money to cover almost every eventuality (inheirtance from late parents).

 

Ultimately its up to husband but we are going to explore this date of diagnosis rather than the date they told him which are vastly diferent things - it was deemed unimportant to tell him urgently.

 

The rule with InsureWith is its date of diagnosis.  

 

 

User
Posted 08 Oct 2024 at 21:07
Corrie, I think Jasper's point is that some insurers (we are also with Nationwide) will still insure you for most things but not for a recent diagnosis for which treatment isn't complete.

I don't know about lymphoma, but we have certainly accepted that arrangement for my prostate cancer while I was awaiting treatment or during it. Talking to the doctors there was little risk of any emergency situation arising during our trip.

Both Thailand and Singapore have (private) medical systems as good as most places in the world, as you say there is the slight risk you might have to bear the cost but if your husband is essentially fit that is small. If you have the "rainy day" fund* to cover the worst case scenario I would go. It is a time to make the most of the health you have and build memories.

[*To be fair, according to the news Thailand has suffered from too many rainy days recently but I hope things will settle down there by next month. We had a memorable holiday in Thailand earlier in the summer, and I hope you do too].

User
Posted 17 Feb 2025 at 14:20

Hi.  I am currently trying to source travel insurance, without any luck to date, having been blown out by Aviva (Barclays Insurance Pack).  I have tried multiple sites and rejected by all.  Currently on hormone therapy having had surgery in 2016 and subsequent radiotherapy.

My question is has anyone found a sympathetic insurance company for travel?  Doesnt look it having read through the preceding emails

David

 

User
Posted 18 Feb 2025 at 18:28

Hi, I don't know what Barclay's Insurance Pack is but Aviva refer riskier policies to AllClear Travel Services.   Have you tried checking companies who take older people such as SAGA or Fred Olsen.  Although they might not take your case they might have a suggested option.  It will be in their interest to do so.

User
Posted 18 Feb 2025 at 23:07
Recently returned from a trip to USA and Caribbean cruise. Spent hours on phone unsuccessfully trying to get insurance.

Still have my Nationwide bank insurance that covered my luggage but little else. Sometimes you just have to live with the risk that nothing will happen.

Had a brilliant holiday mind.👍⛱️🍺

User
Posted 25 Feb 2025 at 17:23

Try Insurancewith. I've found them good in the past.

Tom

Edited by member 25 Feb 2025 at 17:25  | Reason: missing word

User
Posted 26 Feb 2025 at 07:54

Insurewith knocked me back on the basis I take 2 tablets for blood pressure although if that was reduced to 1 they would have provided cancer cover.

Sat in Alicante airport on way home from another trip to our apartment, had another wonderful 10 days in the sunshine.

User
Posted 16 Aug 2025 at 13:41

Hi , will nationwide bank Flexplus account continue to cover if one have a recent prostate cancer diagnosis?

If they do, does it cover any emergency treatment relating to cancer when abroad?

User
Posted 16 Aug 2025 at 20:12
Hi

I have travel insurance with my Lloyds bank account ,following my prostate cancer diagnosis I had to pay an additional annual premium of £118.

John

User
Posted 01 Sep 2025 at 21:15

In my experience, insurance companies spend a lot on advertising to tell us how helpful they are about medical conditions, but they're not. 

Various of those who advertise have turned me down outright for any travel insurance, even for a short single trip to safe countries.

I think it's because I answer yes to the question "are you still receiving any treatment including hormone treatment".  Of course, having had radiotherapy earlier this year, I will be on HT for another 2 years at least.   It is completely irrational to interpret this as an uninsurable travel risk, but that's what the insurers' algorithms do. 

Some companies say "sorry we can't help you but you can try Goodtogo".   I've done this via Gocompare and the answer is over £2800.  For a single trip of 8 days to Canada (staying with relatives) with no sport or added risk factors.

 

User
Posted 16 Sep 2025 at 15:27

Nationwide dont still insure. We have insurance with them through our bank account and it specifically excludes OHs prostate cancer diagnoses  but covers everything else - we tend to risk it with that as he is otherwise is very good health.  Before tNationwide changed the insurance company that provided the cover they would cover it but for extra money (which is fair enough). The new underlying insurer for Nationwide will not cover it at all.

"Time is like a drug. Too much of it kills you." - Terry Pratchett

 
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