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InsureWith Annual Travel Insurance - Issue

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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].

 
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