Contacting insurance providers

Try to have certain information ready when you start looking for travel insurance. This will make your search easier. The checklist and comparison table below could help.

When you talk to insurers, you may be asked some difficult or upsetting questions about your health. For example, they may ask about the likely outcome of your cancer (prognosis). This can sometimes seem insensitive. However, insurers may need to do this to decide whether they are able to offer you a policy, and how much it will cost.

Depending on how you feel when talking about the cancer, you may find it easier to contact only one or two companies at a time. Or you could contact an insurance broker or financial adviser who can do the research for you.

Our financial guides can advise you about speaking to your insurer. They can also tell you about your options if you are not happy with the service a provider has given you. Call them on 0808 808 00 00.

Checklist

The checklist below includes examples of some of the things a travel insurance provider might want to know. Having answers to these questions can help you prepare for contacting providers.

You may want to write down:

  • where you are travelling to
  • the length of your trip
  • any health conditions you have
  • how long ago the diagnosis was
  • where the cancer is or was
  • whether the cancer has spread, and if so, where to
  • whether you are currently having treatment, or whether there is treatment planned
  • whether you have had surgery in the past or have surgery planned
  • any medication you are currently on
  • any current symptoms and side effects
  • how advanced the cancer is and whether it is terminal
  • details of GP, hospital or specialist visits in relation to the cancer in the past year.
  • whether the health of anyone else (either someone who is travelling with you or someone at home) could possibly affect your planned trip
  • any medical equipment you need for travel
  • any winter sports, extreme sports or similar activities you plan to do on your trip.

Comparison table

It can help to compare the policies and quotes of different travel insurance providers. This may help you decide on the best insurance policy for your situation. You could draw a table and write down the following details for each provider:

  • the company name and their contact details
  • the cover amount
  • whether you would be covered if your trip was cancelled
  • whether the policy includes an exclusion for cancer
  • whether any other exclusions apply
  • how much excess you would need to pay if you made a claim
  • the price the company has quoted you for the policy.

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