If you are living with cancer, you should check with your doctor or other healthcare professional that you are fit to travel. But even if you are fit to travel, this does not guarantee that you can get insurance to cover your cancer.
When buying travel insurance, you need to check whether the policy will cover claims related to any pre-existing medical conditions.
Some insurance companies might not cover claims related to certain pre-existing medical conditions, such as cancer or heart disease. Other insurers will not cover claims related to any pre-existing conditions.
But there are some companies that specialise in providing travel insurance for people with pre-existing conditions, including cancer. They may offer you a policy that covers these kinds of claims, as long as:
- you have told the insurer about the pre-existing conditions
- the conditions have been accepted by the insurer in writing.
You will usually have to pay extra to cover claims related to the cancer. This is because there is an increased chance of you claiming for medical expenses or cancelling your trip.
Your health or prescribed medication may change between the time that you take out the policy and when you book, or leave for, a trip. Some insurers ask that you tell them any new information about your health or tests you have during this time.
If you are affected by cancer, you may feel that medical cover is not important. This is because you might wait until you get back to the UK before getting medical advice or treatment. However, insurance is about covering the unexpected. This includes emergency treatment and getting you fit enough to travel back to the UK.
It can also cover the extra costs of flying you home if you have to travel by air ambulance, or with medical equipment, a medical escort or a carer. A medical escort is a health professional or group of health professionals who will travel with you on a commercial flight home. They are there to provide care and assistance for you if you are unwell.
If you have an annual policy and you are diagnosed with cancer during the period of your cover, you may need to tell your insurer. Check your policy to make sure. This also applies to your family members if there is a risk they may have to cancel a holiday because of your health.
Make sure you know what is and is not covered before you take out a policy, so you know it will meet your needs. If you are not sure, ask the insurer or an insurance broker.