How to Choose a Travel Insurance Policy Following Breast Cancer
When you buy a holiday, the travel agent often tries to cell you an insurance premium at the same time.
However, if you have a pre-existing medical condition, or have recently had the all-clear for breast cancer (all cancers, actually), then you will find that these travel-agent based insurance policies don’t offer sufficient cover. They may provide you with insurance, but it excludes the breast cancer. Fortunately, there are insurance companies that specialise in medical travel insurance, such as travel insurance for breast cancer. Here, we are going to explain a bit more about choosing such a policy.
- Non-disclosure: it can be very tempting to not tell the insurance company that you have a medical condition. This will reduce your premiums somewhat, and sometimes, it can make a substantial difference. However, you should never do this because the insurance policy will not cover anything related to the breast cancer. Even if it thinks something’s related, they will refuse the claim. For peace of mind, you should always disclose the illness and pay extra for your insurance.
- Get quotes before you settle on the destination: depending on the destination country, travel insurance for breast cancer will vary in price. It makes sense to find insurance quotes first, so that you can calculate how much to spend on your holiday. For instance, if you have a budget of £1000 for your holiday, contact the insurance companies and find out how much it costs to go to various countries. For example, if it costs £200 to go to America, you might have to choose this option, rather than, say, going to Australia, where it might cost £200 for insurance, but then £900 for the flights and accommodation. (These figures are made up; we don’t have the cost of insurance or flights to either country at hand).
- Contact specialist medical travel insurers: as we said in the introduction, you will find it difficult to get the correct type of insurance via a travel agents. It is also hard to get comprehensive medical travel insurance from the high street insurers. Instead, you will need to contact an insurance company that specialises in medical cover for travel. There are a number of such insurers around. Get quotes from a good selection of insurers, and then compare policies for comprehensiveness and cost.
- Have your medical history at hand: when you speak to the insurance company, they will want to know details of your medical history. If you don’t have it to hand, it will be harder for them to create the right policy that offers the right combination of cover and cost. If you fail to disclose something, it could also invalidate the policy. You will need to tell them about:
- Any surgery you might have had
- Any treatments you received, including chemotherapy, radiotherapy and hormone therapy. They will usually want to know the specific names of the medication.
- Any medication you currently take
- Any upcoming surgery/treatment
- Read the small print: finally, don’t just take the tellers word for it that you have sufficient cover, you need to read the policy yourself before agreeing to take it out. Make sure that it covers you for the condition, as well as the usually things, such as curtailment/cancellation, lost baggage, medical emergencies, etc.
If you would like to enquire about travel insurance for breast cancer, then please visit itssoeasytravelinsurance
