Wellness - Travel Insurance and Cancer
Many standard travel insurance policies have exclusions for pre-existing conditions, such as cancer. These exclusions mean that while you may have general medical coverage, cancer-related treatments might not be covered. However, travel insurance is vital for covering unexpected events such as: trip cancellations, lost luggage, and most importantly, medical expenses. Without this coverage, especially in countries with high medical costs, an emergency situation could result in overwhelming expenses, including the potential cost of emergency medical evacuation.
The Importance of Travel Insurance
Travel insurance is vital for covering unexpected events that may occur while you’re away from home. It typically includes protection against trip cancellations, lost luggage, and most importantly, medical expenses. Without this coverage, especially in countries with high medical costs, an emergency situation could result in overwhelming expenses, including the potential cost of emergency medical evacuation.
Insurance companies assess risk when determining coverage. They make profits from people who pay premiums without making claims. Consequently, individuals who pose a higher risk of making claims, such as those with a cancer diagnosis, might find it more challenging to secure travel insurance. From the insurers' perspective, those who have had cancer are more likely to need medical treatment or cancel their trip last minute due to health issues. However, the good news is that many insurers are now evaluating cases individually rather than outright rejecting anyone with a cancer history.
Securing Travel Insurance
Some mainstream travel insurance companies will offer coverage if you provide a doctor’s certificate confirming you are fit to travel. However, many insurers might only cover emergencies unrelated to your cancer. If you want comprehensive coverage, including for cancer-related issues, look for specialized policies that explicitly state they will cover cancer-related medical emergencies.
When applying for travel insurance, be prepared to answer detailed questions about your cancer diagnosis, treatment, and prognosis. Insurance companies may inquire about the stage and grade of your cancer and any follow-up care you are receiving. It’s essential to have accurate information from your doctor to avoid difficulties when making a claim.
HOT TIP: Never wait until the last minute to take out travel insurance. You should take out a policy the same day that you start outlaying for significant expenses such as flights or accommodation. This way, regardless of the date you’re scheduled to depart, you’ll be covered for possible trip interruption or cancellation, even before you leave home.
Travel Insurance After Cancer Treatment
If you’ve had cancer in the past, some travel insurance companies will offer coverage, provided you have a certificate from your doctor confirming you are cancer-free and fit to travel. The length of time you need to be cancer-free before qualifying for a policy varies by company and can range from three months to ten years. Rates are typically higher if you’ve finished treatment recently but tend to decrease the longer you remain cancer-free.
It’s crucial to ensure that your policy covers emergency medical care abroad, including treatment for cancer-related issues. Complete disclosure of your medical history when applying is necessary for the insurance company to honor the policy terms. Different insurance companies offer varying levels of coverage, so thorough research and comparison are essential.
Health Services at Your Destination
The cost of travel insurance can vary depending on your destination. For instance, medical costs in the USA are exceptionally high, making it difficult to get coverage if you plan to travel there. Those with incurable or advanced-stage cancer might face additional challenges in securing insurance for travel to North America. Generally, insurance for Europe is the cheapest, followed by other parts of the world excluding North America, which is the most expensive.
Ensuring Adequate Insurance Coverage
Many standard travel insurance policies have exclusions for pre-existing conditions, such as cancer. These exclusions mean that while you may have general medical coverage, cancer-related treatments might not be covered. To avoid this, look for policies that explicitly include coverage for cancer-related medical needs. Some insurers might require a doctor’s certificate confirming your fitness to travel or that you have been free from related treatment for a specified period.
Disclosure and Fitness to Travel
Full disclosure of any pre-existing conditions is mandatory for all travel insurance policies. Failure to provide complete information can result in the insurer denying your claim. If you have a terminal illness or have not been declared fit to travel, standard travel insurance firms will not provide coverage. Always obtain written confirmation of fitness from your doctor before traveling, even for short trips. If you have an annual or multi-trip policy, you’ll need an updated certificate for each trip.
Finding the Right Insurance Company
Research is key to finding suitable travel insurance. Consider the following tips:
Forums: Check online forums for recommendations from others who have had similar experiences.
Insurance Brokers: Brokers can help find policies that meet your needs.
Online Searches: Use search engines and comparison sites, but be aware they may not list all available options.
Existing Accounts: Check if your bank, credit card company, or supermarket offers travel insurance.
Some companies allow online applications, while others may require a phone conversation. Remember, price isn’t the only consideration; ensure the policy meets all your needs.
