Travel insurance if critically ill

guitarman001

Any advice on this?
Girlfriend has terminal cancer and we want one last holiday with the kids but can't find anybody to ensure her...

Stevie_Palimo

Personally think you will struggle with any of the main stream insurers here and could look at enough of a emergency fund to fly home at a moments notice to keep yourself right or pay the one of the guys below a premium.


1. Avanti Travel Insurance
Specialise in pre-existing conditions and over-50s travel.!
avantitravelinsurance.co.uk
2. All Clear Insurance
Has covered more than 500,000 people with medical conditions. Any condition. Any age. Any destination.
allcleartravel.co.uk
3. Insurancewith
Aims to provide affordable policies to travellers with an serious medical condition.
insurancewith.com
4. InsureCancer
Specialises in providing cover for travellers with active, metastic, relapsed or terminal cancer.
insurecancer.com
5. Freedom Insurance
One of the first UK insurers to develop specialist travel insurance for people with pre-existing conditions.
freedominsure.co.uk
6. JD Travel Insurance
Offers good value, tailormade cover for travellers with pre-existing conditions.
jdtravelinsurance.co.uk
7. PJ Hayman
No upper age limit on single or annual multi-trip cover for most conditions and disabilities.
freespirittravelinsurance.com
8. Pulse Insurance
Specialise in difficult and declined cases for individuals and groups.
https://www.pulse-insurance.co.uk
9. Staysure
Medical travel insurance available to over 50s.
staysure.co.uk
10. World First
General insurer offering a range of options including medical travel insurance.
world-first.co.uk

As stolen from the Telegraph.

paddyandstumpy

Sorry to hear about this.

Try LV, they've picked up cases like this in the past.
You'll need to ask them to refer it up the chain.

trailingspouse

So sorry to hear this. Have you tried making enquiries via the cancer charities? Macmillan were able to point me in the direction of a couple of insurers who could help when OH was recovering from cancer a few years ago.

guitarman001

Thanks, all!
Girlfriend had tried a few via MacMillan but no luck as yet.
I'll give those a go, thanks!

ThinkingOutLoud_2

guitarman001 wrote: »

Thanks, all!
Girlfriend had tried a few via MacMillan but no luck as yet.
I'll give those a go, thanks!

Likewise, very sorry to hear.

The list provided already cover the majority if not all the market. Certainly, All Clear have provided cover for terminal illness before. But, each case will be specific.

And apologies if you know this, but here are several things which may help / hinder you getting cover if it is available:-
> the sooner you go usually the better - unless a period of better stability can be achieved in the near future
> where you go affects the risk and costs enormously e.g.:-
- the USA is going to be prohibitive I fear because it has high medical costs and the distance to fly her home if she deteriorated is long
- France on the other hand has much lower medical costs, falls under the EHIC and is "near"and can be accessed with a shorter trip and repatriation via road ambulance may be viable

Hope that helps.

guitarman001

Does that mean she needs travel insurance if she is going to France (fyi via train)?
All Clear - will pass that on to her

ThinkingOutLoud_2

guitarman001 wrote: »

Does that mean she needs travel insurance if she is going to France (fyi via train)?
All Clear - will pass that on to her

So it is a good plan to buy insurance for any trip abroad, But many don't. There is a commonly held assumption that having an EHIC means you don't need it - but the EHIC won't get you home (the repatriation part of the medical cover).

Obviously, your girlfriend's immediate prognosis is the thing to base any decision you may make upon. And that will be what All Clear or the others will ask about and rate their premium from.

But, if you are thinking Disneyland / Paris with the kids - that sounds a good, relatively easy to get to and back from solution. If this is your plan - talk directly to Disneyland as they may well be able to arrange a special "easy Access pass" for you all which will reduce waiting times and so on (Disney have many faults but seem to get this right!)

Good luck.

helphelphelphelp

I got this from my local Maggie's Centre on Friday. Give them a call as they should be able to give you more info if you need it. Sorry it hasn't copied very well but it was from a word document.


NAME CONTACT DETAIL

Insure Cancer 01252 782 392
01252 780190
https://www.insurecancer.com
All information on website. Medical screening service. Specialise in covering people with cancer diagnosis; active, metastatic, relapsed, terminal and in drug trials. Will consider all destinations including the USA. User feedback reported need for oncologist to complete questionnaire.


Eurotunnel

08443 35 35 35
https://www.eurotunnel.com/insurance
Comprehensive cover for medical emergencies. No specific cancer exclusions. User feedback reported helpful advice, straightforward questions and cheap cover.
Insurance With 02038 293 875
https://www.insurancewith.com
All cancers considered for those undergoing treatment and secondary’s. 24hr medical advice available. Personalised medical screening tests.
Manor Insurance 0845 850 1066
https://www.travelinsured.co.uk
Provides cover for most pre-existing medical conditions including terminal diagnosis with tailored quotes.
All Clear 0845 250 5250
https://www.allcleartravel.co.uk


Straight through to a person. Website provides specific cancer information. Will offer over if you have a prognosis of 6 months or more, after the end of your holiday. Standard excess of £50 the premium will vary. No upper age limit. Worldwide cover.

JD (Consultants) Insurance and Medical Brokers 0844 2474749
https://www.jdtravelinsurance.co.uk
They will offer cover with a terminal diagnosis, if the prognosis is longer than 4 months. However you must be 3 months clear of any chemotherapy treatment. The premium stays the same, but the excess rises and can be upwards of £1000.

Medicover
0844 334 0165
https://www.medi-travel.co.uk
Single trips up to 180 days. You must have a prognosis of over 4 months after your holiday. Most of Europe is okay, but Spain is expensive. Also America and long haul are expensive.

Able 2 Travel
01892 839501
https://www.able2travel.com


Terminal diagnosis excluded and usually don’t insure during treatment although will review on case by case basis. Competitive rates. Excess £65 – under 65 years. Excess£100 – over 65 years.

Pulse Insurance
01280 841430
admin@pulse-on-line.co.uk

https://www.pulse-insurance.co.uk
Specialise in providing travel insurance for people with a pre-existing medical condition.

Freedom Travel Insurance 01223 446914
https://www.freedominsure.co.uk
Insurance cover is underwritten by AXA insurance company. Will insure people with a pre-existing medical condition. May not provide cover for people with a terminal diagnosis.



Mia on line ltd
0800 999 3333
info@miaonline.co.uk
https://www.miatravelinsurance.co.uk

Clear2Go is designed specifically to insure serious pre-existing conditions. No upper age limit. No specific terminal prognosis exclusions. Can only be booked up to 2 months before travel. Based on stability of condition, traveller must discuss with doctor whether they are fit to travel.
Good to go Insurance
0844 334 0165
https://www.goodtogoinsurance.com
Pre-existing conditions covered up to high level of severity and sometimes a terminal prognosis. No upper age limit.

World First travel Insurance

0845 07 08 902
https://www.world-first.co.uk
Insure to 100yrs. Terminal prognosis not covered but will refer those cases on. Cancer spread and chemo within 3 months exclusions apply but will refer those cases to a specialist partner.
Insurance With
0845 2307159
0845 3224527 https://www.insurancewith.com

insurePink

0844 800 0615
https://www.insurepink.co.uk
Specialise in people living with breast cancer. Will cover European and worldwide destinations (including USA). Need to be 4 weeks post chemotherapy or radiotherapy. Donation made to Pink Ribbon Foundation for every policy bought.
Marks and Spencer
0800 068 3918
https://www.marksandspencer.com/insurance
Possible additional premium. Excess between £100-300. Friendly response. Medical screening service.

Age UK Travel Insurance https://www.ageuk.org.uk
0800 389 4852
Use a medical screening line, and may not offer cover if you have a terminal diagnosis, or if you are currently awaiting test results or undergoing treatment and you must be in remission. The premium stays the same, but the excess increases and can be very high.

Greenbee
0845 610 0305
https://www.greenbee.com
Trading name of John Lewis partnership. Medical screening service. Consider cover under Plus or Premium Cover policies only for those with pre exisiting conditions. European and worldwide destinations.

Endsleigh 0800 028 3571
https://www.endsleigh.co.uk

Medical screening service. Will consider if going through treatment at time of travel. Consider European and worldwide destinations. Cancer conditions transferred to Freedom Insurance – call 01223 446936.

Club Direct 0845 888 8891
https://www.clubdirect.com


Use Medi-Quote, a specialist medical screening service and will question about cancer. Must be 3 months clear of chemotherapy, and one month clear of radiotherapy. Terminal diagnosis and current treatment, either awaited or ongoing, exclusions apply.
Leisurecare Insurance Services Ltd 01702 427161
https://www.leisurecare.co.uk


Cover 18-64 year olds. They only cover holidays to EU countries, with a fixed premium, and reasonable excess. European land destinations only – not cruises or out of Europe. They may consider those with a terminal diagnosis.

Higos Insurance Brokers 01749 834500 Medical screening line used. Worldwide cover for non- metastatic, European cover – metastic. No upper age limit. No cover for people with a poor prognosis or a terminal diagnosis. Higher excess likely where you have a recent diagnosis, or ongoing treatment.

Norwich & Peterbourgh Travel Insurance 0845 072 2178
https://www.nandp.co.uk
They use a medical screening line, and will consider each case individually.

Post Office Counters Ltd: Travel Insurance 0330 123 3690
Use a medical screening service and health questionnaire. The excess on the policy can be upwards of £1000. They will not offer cover if you have been given a terminal diagnosis or Breast Cancer.

Atlas Direct
08444 82 3400 Screening and health declaration required.Terminal diagnosis and ongoing treatment exclusions apply.

P.J. Hayman and Company 0845 230 5000 “Free Spirit” cover: no upper age limit. Provide specialist travel insurance for cancer diagnosis. Terminal cases considered.

The Insurance Surgery (broker)
0800 083 2829 Specialise in finding insurance for pre-existing conditions. Will take your details and refer you to insurance company that they think will best fit your requirement.

RADAR
020 7250 3222
https://www.disabilityrightsuk.org.uk
A national organisation for people with disabilities. Can provide information on a wide range of subjects including holidays and travel. Helpful holiday planning literature available to order online.

Holiday Care Service
01293 774 535
https://www.holidaycare.org.uk
A national charity providing information to disabled people about holidays in the UK.

Insurance Choice
https://www.insurancechoice.co.uk
0844 5577 600
No upper age limit. All pre-existing conditions including terminal diagnosis considered.

Avanti Travel Insurance 0800 043 0814
https://www.avantitravelinsurance.co.uk
No upper age limit. Cover provided for most cancers, including breast. Many pre-existing conditions are covered free of charge.

Just Travel Cover 0800 294 2969
https://www.justtravelcover.com
Positive feedback for ease of arrangement and cost. Made through the Insurance Surgery.

Makesure Travel Insurance 0845 309 4439

makesureinsurance.co.uk

Specialise in providing cover to those with pre-existing conditions including cancer. Worldwide cover up to 99 years of age. Positive feedback for coverage and ease of questionnaire.

Ian011

For all of those entries with an 084 or 087 number, the number is likely to be out of date. Following FCA regulations effective 26 October 2015 most insurers have stopped using premium rate 084 and 087 numbers. Most have moved to inclusive 03 numbers or free-to-caller 080 numbers.

Check official websites for new numbers. As a last resort try looking on sayNOto0870.com for cheaper numbers. Calling an 03 or 080 number can be up to 62p per minute cheaper than calling an 084 number or up to 68p per minute cheaper than calling an 087 number.

LadyDee

I am so sorry OP that your family is in this position, but if it helps at all, I have just arranged travel insurance with Just Travel, having several pre-existing conditions, and their cover was comparable with other companies but it was the cheapest. This is for an extended holiday in Australia.