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Insurance advice

User
Posted 05 Feb 2025 at 10:30

Hi can anyone recommend a travel insurance company as from experience a lot of companies not cover cancer - in my husband’s case his cancer is treatable but  not curable as spread to lymph nodes so I suppose that would be termed terminal  from what I have read. Any advice be much appreciated. Thanks Taz 

User
Posted 05 Feb 2025 at 14:12

I’ve always found that word terminal a bit strong for someone who is incurable. Someone who is incurable can live for many, many years. Taking another example diabetes is incurable but not terminal. We’re all terminal after all, we’re going to die sometime. We often have this discussion at Maggies group.

i it depends on what’s written in your husbands medical records. If it doesn’t say terminal then I would say he isn’t. Ask you’re GP for a copy of them.

I’m with AllClear as I found their online health questions very clear. I know quite a lot are with Insurewith….people seem to say it’s better to phone them and go through the details with them. Also Staysure. It’s so important that all the questions are answered correctly or your insurance might not be valid.
i can’t remember fully but I know AllClear ask ‘Has it spread to anywhere excluding the Seminal Veiscles(that’s me!)’ I think maybe they also say ‘and lymph nodes’. Why not try their online form and check?

Some people exclude Prostate cancer from their policies to get insurance. You could argue that you’re unlikely to have a serious problem on holiday with PCa unless you really are terminal.

Good luck and enjoy you holidays…it’s so important when going through this to have some fun!

Derek

User
Posted 05 Feb 2025 at 15:14
Hi Taz I’ve had many holidays at the same stage as your husband using Insurewith. As Derek says it’s best to call them and explain your husband is well and is having regular tests to insure the treatment is holding the cancer back. After I went through it with an advisor they were much more amenable to insuring me and at a very reasonable price. Good luck
User
Posted 05 Feb 2025 at 18:06
Gary is incurable with lymph node involvement,we’ve always gone with paying too much for years but for some reason they wouldn’t insure him this time ,even though same stats . We eventually went with Allclear and got a yrs Europe cruise travel for £560 . A lot would only do trip by trip.

Debby

User
Posted 06 Feb 2025 at 14:45

Another one for InsuranceWith. I tried AllClear but they wanted over £2000 for a years European cover . I then went to InsuranceWith , who I’ve used before. I found their questions were sensible although there were quite a lot. I got the same cover for £540. My PCa is also in lymph nodes plus spine/ribs/pelvis but only on HT at the moment as chemo didn’t work last year. 


Just remember to always keep them updated or cover will be invalid.

 

I’m hoping at my next consultation in 2 weeks that they’ll give me a bit more of a break from more treatment so I can have a few more trips away.  ✈️ All depends on next PSA which had risen after chemo so fingers crossed. 

 

Hope you get it sorted and enjoy some time away. 

Phil

 

 
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