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Travel insurance after treatment

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User
Posted 14 Apr 2025 at 17:35

I have had an annual travel insurance policy for a number of years with Goodtogoinsurance.  My wife and son are also on the policy and I was just delighted to be covered despite a number of medical issues including watch and wait prostate cancer.  Following a recent biopsy, my consultant has advised Hormone Therapy and Radiotherapy.  The Radiotherapy should be completed by the end of June.

I contacted my travel insurance company and they indicated that they can no longer cover me.

My question is this – when my radiotherapy is complete, is an insurance company more likely to cover me?

Noel

User
Posted 14 Apr 2025 at 20:53

You may be able to get insurance but it will be too expensive.

I am assuming your cancer is not aggressive as you have been on watch and wait (active surveillance), and have only just become eligible for treatment. Your best bet is to get travel insurance, but exclude prostate cancer. If the cancer disrupts your holiday, you will have to suffer the full cost, but in reality, the chances of prostate cancer causing you any problems in the next five years are negligible, and indeed assuming the RT+HT works the chances are negligible for the rest of your life, but you'll never get insurance at a negligible premium at least for the next five years.

Dave

User
Posted 14 Apr 2025 at 22:04

I had no problem getting travel insurance after RT had finished and whilst still on HT. I used AllClear but have now gone back to my RBS Royalties policy where I pay a £70 excess for having had PCa.

User
Posted 15 Apr 2025 at 00:41

I don't travel enough to make an annual policy worthwhile. I also have very cheap holidays with little luggage, mainly in the EU so I usually have no insurance. I last got insurance about three years ago to go to Armenia, I think the insurance was under £100 for the week. 

When I next get travel insurance I will be 7 years post treatment and 5 years post HT. I'm sure the last time I got insurance online they only needed to know if I had had cancer treatment in the previous five years.

Is there anyone on here, five years post treatment, in remission, do you declare the cancer or not?

 

Dave

User
Posted 15 Apr 2025 at 08:58
Always declare it, never had a problem, 10 years down the line, still seeing oncology every 3 months.

Buy single trip as I believe the risk is easier to manage for the insurance company and hence it will be cheaper IMHO.

User
Posted 17 May 2025 at 14:11

If you asked for a quote after being told you needed treatment I'd think the insurance company would be very wary.  Now you're well downstream from the treatment most companies would likely insure you.

We've recently got back from a month away and then got covid for 2 weeks.   We take out annual cover as our trips tend to be several weeks and the difference with single trip isn't great.  Although changing from European to Worldwide excluding USA ramped it up.   I think my age, 76, has begun to tell as well.  We paid £530 without baggage or travel disruption cover. 

If prostate cover was very expensive I'd go without the prostate cover and perhaps go to single trip insurance.

Anyway your cover sounds very reasonable if it was basically free plus £112 with your bank account, no doubt you checked the small print.   Regards Peter

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User
Posted 14 Apr 2025 at 20:53

You may be able to get insurance but it will be too expensive.

I am assuming your cancer is not aggressive as you have been on watch and wait (active surveillance), and have only just become eligible for treatment. Your best bet is to get travel insurance, but exclude prostate cancer. If the cancer disrupts your holiday, you will have to suffer the full cost, but in reality, the chances of prostate cancer causing you any problems in the next five years are negligible, and indeed assuming the RT+HT works the chances are negligible for the rest of your life, but you'll never get insurance at a negligible premium at least for the next five years.

Dave

User
Posted 14 Apr 2025 at 21:26

Thanks.  My cancer is not aggressive.  It has now moved on to Grade group 2 (Gleason 7(3+4).  Last year I paid £633 for annual insurance for the 3 of us.  Logically speaking, I had hoped that after treatment that figure might fall.  I will be interested to see if I can even buy insurance after treatment, but if not, I will try as you suggest and have the prostate cancer excluded.  

User
Posted 14 Apr 2025 at 22:04

I had no problem getting travel insurance after RT had finished and whilst still on HT. I used AllClear but have now gone back to my RBS Royalties policy where I pay a £70 excess for having had PCa.

User
Posted 15 Apr 2025 at 00:41

I don't travel enough to make an annual policy worthwhile. I also have very cheap holidays with little luggage, mainly in the EU so I usually have no insurance. I last got insurance about three years ago to go to Armenia, I think the insurance was under £100 for the week. 

When I next get travel insurance I will be 7 years post treatment and 5 years post HT. I'm sure the last time I got insurance online they only needed to know if I had had cancer treatment in the previous five years.

Is there anyone on here, five years post treatment, in remission, do you declare the cancer or not?

 

Dave

User
Posted 15 Apr 2025 at 08:58
Always declare it, never had a problem, 10 years down the line, still seeing oncology every 3 months.

Buy single trip as I believe the risk is easier to manage for the insurance company and hence it will be cheaper IMHO.

User
Posted 17 May 2025 at 12:17

Hi 

just for information ,I have travel insurance through my bank account.

I had surgery to remove my prostate in January,I have been told my surgeon that the cancer had not broken through the prostate membrane and At my 12 week blood test my PSA was undetectable (or words to that effect).

I have just contacted my insurer and gone through a screening test ,there were questions about ongoing treatment had it escaped etc .In my case I have had to pay an additional premium of £112 for annual cover including issues related to my prostate issue.

regards

swannie

User
Posted 17 May 2025 at 14:11

If you asked for a quote after being told you needed treatment I'd think the insurance company would be very wary.  Now you're well downstream from the treatment most companies would likely insure you.

We've recently got back from a month away and then got covid for 2 weeks.   We take out annual cover as our trips tend to be several weeks and the difference with single trip isn't great.  Although changing from European to Worldwide excluding USA ramped it up.   I think my age, 76, has begun to tell as well.  We paid £530 without baggage or travel disruption cover. 

If prostate cover was very expensive I'd go without the prostate cover and perhaps go to single trip insurance.

Anyway your cover sounds very reasonable if it was basically free plus £112 with your bank account, no doubt you checked the small print.   Regards Peter

 
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