Finding travel insurance

Checking a range of providers can help you get travel insurance that meets your needs. Here are some tips to help you:

  • Visit Macmillan’s online community – travel insurance is one of the most discussed topics on the community and you can find out which providers people are recommending.
  • Search on comparison websites – comparison websites allow you to compare deals from different providers.
  • Do an online search – type relevant terms into a search engine, for example ‘prostate cancer travel insurance’, to find information pages and providers offering travel insurance.
  • Call the British Insurance Broker’s Association (BIBA) – you can find a qualified and regulated insurance broker through BIBA. Call them on 0370 950 1790 (9am to 5pm, Monday to Friday).
  • Check your existing policies – you may already have travel insurance, for example a policy attached to your bank account.
  • Contact your trade union – if you are a member of a trade union, contact them to find out if they can help.

Always read the details of any insurance policy before buying it, to make sure it suits your needs.

How to find travel insurance

Checking a range of providers and quotes can help you get travel insurance that meets your needs. It could also help you save money.

There are some companies that specialise in providing travel insurance for people with pre-existing conditions. They are more likely to provide insurance that covers problems related to the cancer. But sometimes, general travel insurance companies may also offer you a good deal, for example if you had cancer many years ago.

The following information gives tips about how to find travel insurance providers that can cover you and how to get the best quote possible.


Look online for recommendations

Macmillan’s online community

Macmillan’s online community is a free online forum for people affected by cancer. Travel insurance is one of the most discussed topics on the community and you can find out which providers people are recommending. You do not have to join to read what people are saying. 

We have set up a conversation on the online community where we encourage you to share your experiences of getting travel insurance and recommend companies.

Comparison websites

You can search online for travel insurance comparison websites. Comparison websites allow you to compare deals from different providers. This can be a quick way to search for quotes. Some of these websites allow you to enter details of your medical condition before you search, which means you will only see quotes that are relevant to you.

Remember that not all providers sell their insurance through comparison websites, so this will not show you all the providers that could help.

Comparison websites are a good starting point, but they focus on price. It is important to check the quality of the cover and whether it fits your situation. Always read the details of the policy before buying it, to make sure it suits your needs.

Online searches

Another way to look for travel insurance providers online is simply to type relevant terms into a search engine. For example: ‘prostate cancer travel insurance’. This usually brings up a mixture of information pages and providers offering travel insurance, and some of them may be worth considering.

When searching in this way, you should check that any organisations you are not familiar with are trustworthy. Legitimate companies will be registered with the Financial Conduct Authority (FCA) and will have an FCA number displayed on their website. On the FCA website, you can type this number into the Financial Services Register to check the company is allowed to do business.

More information online

Below are some useful websites where you can find more information and useful tips.

  • Which? – Features a comparison table comparing cover for people with different medical conditions.
  • Money Saving Expert – Includes general tips about buying travel insurance, as well as some information for people with pre-existing conditions.
  • Money Advice Service – Gives general tips about what to look for in insurance policies and some information for people with medical conditions.
  • The Association of British Insurers – You can find answers to commonly asked questions about getting travel insurance on the website.


Call the British Insurance Brokers' Association (BIBA)

You can find a qualified and regulated insurance broker through the British Insurance Brokers’ Association (BIBA). Insurance brokers do not offer insurance directly. Instead, they try to find a suitable travel insurance provider for you. They can take your details and then search for insurance providers on your behalf. Call BIBA on 0370 950 1790 (9am to 5pm, Monday to Friday) or visit biba.org.uk/find-insurance


Check existing policies

You may already have travel insurance, for example a policy attached to your bank account (see below). Make sure you read the terms and conditions carefully. The policy may not cover pre-existing medical conditions. You should let the provider know if you have a pre-existing condition, as this may affect your cover.


Contact your trade union

Some people have told us they have had good deals on travel insurance through their trade unions. If you are a member of a trade union, you could contact them to find out if they can help.


Other ways of checking deals

While they do not always have suitable offers for people with pre-existing conditions, you can ask for insurance quotes from:

  • supermarkets (they may have information leaflets about their insurance in stores)
  • your credit card company
  • your bank.

Some people automatically have some level of travel insurance cover through their bank accounts. This generally applies to people with ‘premium’ bank accounts where they pay a small fee each month. When the account is set up, the bank does not usually ask medical questions. The account holder is responsible for letting the bank know of any pre-existing conditions. This cover will not automatically include problems related to the cancer, so check with your bank to find out exactly what it includes and whether the cover can be expanded. The bank may allow you to pay a top-up fee so that you are fully covered. This may be cheaper than buying travel insurance separately.

For a monthly fee, our bank account includes worldwide travel insurance. When I told them I’d had prostate cancer, they didn’t raise the premium.

Kevin

Back to Travel insurance