Looking for travel insurance cover for cancer? We can help!

Added 23/02/2012

Tropical beach

If you are suffering from cancer, or have suffered from cancer in the past, buying travel insurance can be tricky. It’s quite common to find that the travel insurance you had with your bank, or your usual travel insurance provider suddenly won’t cover you because of your cancer. But don’t worry, Goodtogoinsurance.com is here to help.

We are proud that we can offer cancer travel insurance with cover for all types of cancer, up to a high level of severity and sometimes even a terminal prognosis. We can even provide travel insurance cover to cancer patients who are currently on a course of chemotherapy or radiotherapy, provided their doctor says it is safe for them to travel.

We believe that everyone should be able to enjoy a relaxing holiday abroad with the peace of mind that they have the appropriate travel insurance cover in place which will provide cover for pre-existing medical conditions including cancer.

Worried about the cost of cancer travel insurance?

The cost of cancer travel insurance will largely depend on three things;

- The type of cancer you have, its severity and how recently it was diagnosed

- The country you are travelling to, and

- The length of the trip that you are taking

There are ways that you can try to keep the cost of travel insurance for cancer down.

Firstly think about where you are travelling to and consider getting some travel insurance quotes before you book your holiday. Prices for travel insurance cover, whether you have cancer or not, can vary greatly depending on what country you are visiting, this is down to the cost of obtaining medical treatment in that country and whether that country has a reciprocal agreement with the UK for health care.

For instance, the USA, Canada and the Caribbean are usually the most expensive destinations to get cancer travel insurance for — the medical treatment in the USA and Canada is very good, but it is also very expensive. The Caribbean is also expensive because if you need emergency medical treatment here, you are likely to be taken to hospital in the USA.

Let me give you some figures to illustrate, the average cost of a medical expenses claim in the USA last year was £9142, with the largest claim for medical expenses in USA being £196,500. Compare that with £442 average medical claim and £4999 for the largest medical claim in France and it’s quite clear why travel insurance with cover for cancer costs more if you are travelling to the USA.

So, if you are looking to spend a couple of weeks on a ‘paradise island’ relaxing on the beach, you could save money on your cancer travel insurance by considering the Maldives or Thailand rather than the Caribbean.

One thing to also keep in mind is that the cost of travel insurance for cancer is likely to go down the longer you have been in remission or longer your cancer has been controlled. Therefore travel insurance for cancer for that stateside holiday could be much more affordable in a year or two.

Don’t be tempted to travel without travel insurance to cover your cancer

Whatever you do, don’t be tempted to travel without travel insurance cover for your cancer. If your cancer isn’t covered and you need medical treatment abroad for something that is related to the cancer, you could find yourself facing very large medical bills.

Customers sometimes comment that it is not worth buying travel insurance to cover their cancer because the cost of the travel insurance is more than the cost of the holiday, but the thing to remember is that the main purpose of your travel insurance is to provide cover for you, rather than your holiday, against the risk of incurring large medical bills abroad. The cover which travel insurance also provides for cancellation is less important, because the amount of money you can lose, and therefore need to claim from your travel insurance, for cancelling your holiday is limited.

Goodtogoinsurance.com can provide travel insurance with cover for all types of cancer, you can get a quote for cancer travel insurance online or call and speak to one of our team who will be happy to help you.