Travel Insurance With Breast Cancer

If you are planning a holiday and have been diagnosed with Breast Cancer you may find it difficult obtaining suitable travel insurance with a travel insurance provider. This is because many travel insurance companies will decline cover for cancer related conditions. You will therefore need to identify a provider who specializes in finding travel insurance solutions for people living with pre-existing conditions.

By taking out a travel policy which includes cover for medical conditions like Breast Cancer you are ensuring that any complications related to the condition either prior to the trip causing cancellation or during the trip necessitating medical treatment would be covered. You would also be covered for something which was indirectly linked to the Breast Cancer i.e. a chest infection after recently finishing chemotherapy treatment for the Breast Cancer, which would cause you to cancel your holiday.

Every person’s quote is based on their own individual circumstances so a medical assessment is required. The questions relating to Breast Cancer will vary from insurer to insurer but typically they want to know the following:

• Whether the Cancer has spread beyond the Breast
• How long since the initial diagnosis
• How has the breast cancer has been treated
• Is there ongoing or further planned treatment
• How often you see a hospital doctor about the cancer
• Do you take strong painkillers to control the breast cancer

The answers an applicant provides will have an impact on the premium outcome, however the price is not based on the medical assessment alone, insurers also take into account the area of travel (how much it will cost to treat someone if they fall ill within the chosen destination and how much it will cost to bring them back). The length of the trip is also taken into account as there is more chance of a problem occurring on a longer trip than a shorter one. The age of the applicant and also the length of time prior to travel can also impact on the final premium.

Quotations and cover will vary however in order to obtain the best policy for your needs you should ask the following when receiving your quotation:

• What is the policy excess?
• Are there any exclusions on the policy?
• What are the policy benefits?

• Does it have an on-going medical warranty? (gives the insurer the right to charge extra or decline cover in the event of medical changes once the policy has been issued)

For further advice about travel insurance for breast cancer related conditions please refer to our website travelinsurancehelpline.com who offer help and advice for people looking for travel insurance that have pre-existing medical conditions.

By: Miles Barker