Finding the right type of travel insurance when you have cancer can be difficult, but there are insurance companies with specialized policies to suit these additional requirements. Cancer patients can apply for travel insurance with standard insurance companies as well as specialized policies, however It is always important to declare this as a pre-existing condition when applying for travel insurance to make sure they are fully covered for while travelling.

Do I need extra cover?

Standard travel insurance policies cover the costs of medical emergencies, however someone who has cancer is seen as higher risk. Some travel insurance companies will be happy to cover you on a regular travel insurance policy if you have a doctor’s letter stating that you are fit for travel. In this case, you will not have any cover for medical issues or emergencies relating to the cancer and will have to pay out of your own pocket. Medical costs, particularly for cancer treatments and consultations can be extremely expensive, especially when you are abroad and unaware of the standard cost of medical treatment.

When applying for travel insurance, you will likely be asked about your cancer type, size and when you were diagnosed, the grade of your cancer, treatment plan as well as your prognosis. These factors will help the insurer determine your risk profile.

A specialized cancer cover insurance plan might be a good option to look at if you are in the midst of treatment for cancer and are high risk. This will ensure that you are covered for emergency medical care during your travels as well as treatment which is related to your previous cancer. Travel insurance plans which cover cancer care are more expensive than standard travel insurance, however the additional cost may go a long way in providing you and your family peace of mind during your trip or holiday.

How do I get specialized travel insurance?

It is a good idea to shop around when looking for travel insurance that covers cancer patients. Some policies do not cover certain conditions, therefore having more options is important. Always look at insurance policies carefully to ensure that you know what you are covered for. If you are fit for travel, make sure you have a doctor’s certificate stating this to provide the insurer. Make sure that you are upfront with the insurer about your condition so that you can receive an appropriate quote that covers your needs.