Travel Insurance for Cancer Patients

Our travel insurance for cancer patients | Travel insurance for terminally ill cancer patients | Travel insurance for pancreatic cancer | Travel insurance with breast cancer | Holiday insurance with prostate cancer | Getting cover if you're awaiting tests, results or diagnosis

Our travel insurance for cancer patients

We’ve created European travel insurance for cancer patients. You can see a price in seconds without having to answer any questions about your condition.

If your doctor is happy for you to travel we can cover any condition, as long as you do not have a terminal prognosis of under 6 months.

Our Urgent Medical Travel Insurance policy is designed to cover up to £500,000 of costs for medical treatment that can’t wait until you get home. It does not cover things like baggage or cancellation.

You can start your quote by joining this group to become a member of Bought By Many for free.

Many insurers will not offer people with cancer any sort of travel insurance and others will make people with medical conditions answer dozens of time-consuming and impersonal questions.

We’ve created a fairer policy that allows you to see a price for any condition after 4 questions. If you’re happy with it we then ask if you’ve checked with your doctor that they believe you’re fit to travel. If they give you the green light then we can cover you for travel in Europe.

We can cover people undergoing tests for cancer, treatment or who have an undiagnosed condition. And we offer up to £5,000 for a loved one to travel out to be with you if you need treatment or cover some of their costs if they are travelling with you.

The policy includes access to a 24/7 emergency helpline in case you need treatment while abroad.

Join Bought By Many to access our cover and get a quote.

You can see the full policy documents for our cover here.

Travel insurance for terminally ill cancer patients

Many people with terminal cancer travel abroad to visit somewhere they've always wanted to go or spend time with their loved ones.

It can be particularly difficult to get travel insurance for terminal conditions, however, 'terminal' can have a relatively wide definition so it's important to give an insurer all the information you have from your doctor when trying to get cover.

Our cover can cover terminal conditions as long as the terminal prognosis is not under 6 months.

High quotes can put some people off getting travel insurance but it's worth considering the cost and stress involved if something does go wrong.

It can cost tens of thousands to get treatment in foreign countries or a flight home with a medic and your family or friends will have to arrange treatment and deal with officials in a language they may not understand.

Sometimes it can be more expensive for those with terminal cancer to get a quote too far ahead of a trip. That is because a condition may get worse before the trip so there is more uncertainty for the insurer. You can only buy our cover in the 30 days before your trip starts.

Travel insurance for pancreatic cancer

There is a range of pancreatic cancers, including ampullary cancer and lymphoma. Our travel insurance will cover all of them.

Pancreatic cancer has one of the worst survival rates of the 21 most common cancers. For terminal conditions, it's worth reading the advice in the section above.

Our travel insurance makes the process of getting a quote and going abroad much simpler.

The charity Macmillan doesn't have its own travel insurance but does offer advice on where people affected by cancer can go for holiday cover.

Travel insurance with breast cancer

Many people who are undergoing or have finished treatment for breast cancer are able to live normal lives and that includes having a holiday or taking a trip abroad.

Despite feeling fit and healthy they may find it difficult to get a reasonable travel insurance quote because of the medical questions insurers ask all people. These can be generic and don't feel like they take into account individual circumstances.

We do not ask any medical questions to calculate your price. Our cover is designed for people with the most severe conditions so if you have recovered from breast cancer or it is a less aggressive form, you may want to shop around to get the best price.

Insurance companies have different views on cancer so although some may refuse quotes others take a greater interest in personal circumstances.

Breast Cancer Care recommends having the following information to hand when looking for insurance from other companies:

• The type of surgery you have had
• Chemotherapy – the drug combination you were given and when
• Hormone therapy – the drugs are you taking
• Radiotherapy – whether you have had or will have it
• Any drugs you're currently taking

Those who are undergoing treatment can be turned down. And insurers will often ask if you've been turned down by another insurer, which can then lead to more companies refusing cover if you answer yes.

Those in remission or who have made a full recovery may find it easier to get travel insurance. However, it's important to answer any questions about past breast cancer treatment truthfully otherwise you can invalidate your cover.

If you've recovered some companies may offer travel insurance that excludes breast cancer. This can keep costs down but make sure you're aware of the costs associated with any treatment related to cancer that may not be covered in case you're left with the bill.

Holiday insurance with prostate cancer

As with other forms of cancer, those diagnosed with prostate cancer may find it difficult or more expensive to get travel insurance from mainstream companies. Our travel insurance can cover any condition.

Prostate Cancer UK has produced a fact sheet about travel that is worth reading.

It says you should register for a European Health Insurance Card (EHIC), which doesn't cover all treatment but does give you access to some care in state hospitals.

But a good travel insurance policy should cover most medical treatment for a condition.

Getting cover if you're awaiting tests, results or diagnosis

Travel insurance companies may also refuse cover for those with an undiagnosed illness who are awaiting tests or results.

Medical screening questions will often ask whether you’re undergoing treatment, on a waiting list or awaiting a diagnosis. That means people who are undiagnosed or may not even have cancer can be refused cover.

Our Urgent Medical Travel Insurance will cover you even if you're waiting for tests or a diagnosis.

If you are in remission or have recovered from cancer you may want to join our travel insurance after cancer group. We also have a group if you're over 80 and are struggling to get cover.

Find out more about travel insurance for medical conditions.

By Ronny Lavie

Top questions answered by us

• What is the current process for getting travel insurance as a cancer patient?

  Most insurance companies do not offer online quotes to people who have pre-existing medical conditions, including cancer. Those looking for a quote are often asked to answer personal, distressing questions, only to be rejected altogether or asked to call the company instead. Even when cover can be offered, it can be simply unaffordable (cancer patients have been quoted thousands of pounds for a 2-week holiday in Europe) – in which case the only alternative is to get a policy that does not cover anything to do with the cancer. Cancer sufferers who opt for this should read the small print of their policy carefully, as if they become ill due to their immune system being weak following chemotherapy, they may not be covered, since the insurance company can claim this is related to the cancer.

• What are the considerations for cancer patients travelling abroad?

  Most insurance companies will require a letter from your doctor confirming you are fit to travel. However, even if you are, there are several factors to consider when choosing your holiday destination. You should look into the level of health care in the country you are travelling to and whether you would feel comfortable being treated in the local hospitals, should the need arise. You should also look at what health risks are involved in travelling to the country, such as food poisoning, insect bites and even the length of the flight from the UK. Finally, from an insurance point of view, North America and some parts of the Caribbean come with astronomical premiums, due to higher local medical costs - so, if possible, you should avoid these locations.

• What is the EHIC?

  The European Health Insurance Card grants UK residents access to state health services in all countries within the European Economic Area (EAA) at a discounted rate, or sometimes for free. The card only covers treatments that are offered to local residents as part of state care, and these might not include everything the NHS provides. The EHIC is not a replacement for travel insurance and does not provide cover for some events, including the need for repatriation.