Holiday Cancellation After Cancer Diagnosis

eskbanker

IvanOpinion said:

I guess we will never know.
But this thread is not about my choices or shoulda-woulda-coulda...

Sure, but by sharing your choices and simply stating that you were "willing to accept the risk that the cancer would not impact me", it was appropriate for others to highlight that the risk you were taking was considerably greater than that, in terms of the potential for your insurer to decline any claim following your failure to declare your full medical circumstances.

LightFlare

IvanOpinion said:

I guess we will never know.
But this thread is not about my choices or shoulda-woulda-coulda, it is about another user asking advice for her particular circumstances - my answer is talk to your oncologist and see what they suggest. Undergoing any form of cancer treatment is stressful and it is good to have something to look forward to. Make your own decision about travel insurance and don't forget (as I did) that radiotherapy (not sure about chemo) can have an impact when you go sunbathing, so probably best to stick to a very high factor.

Kind of depends where is being treated.

General advice is to stay covered and in the shade for at least 6months post treatment, but that can vary depending on other factors.

Best to ask the radiographers who are delivering the treatment (imo)

katejo

IvanOpinion said:

katejo said:

IvanOpinion said:

If you talk to the travel companies involved they may allow you to defer the holidays until after your treatment, but first talk to your oncologist and see what the timeline is likely to be.

Everyone is different and your oncologist will know best, but I was in a similar situation last year (cancer diagnosis) and the oncologist worked around 2 holidays that we had booked. He said that a bit of R&R would do no harm.

Good luck with your treatment. You need something to look forward to.

But did you declare the diagnosis to the insurer? Did they not refuse to cover you? 

In this instance I did not declare it because my oncologist said I was fine to travel and the chances of me having any problems coming from the cancer while I was away were negligible. Some would argue I was wrong, but I was willing to accept the risk that the cancer would not impact me, and it didn't - all other conditions were declared and covered.

But if the insurer found out about this, they might refuse to pay out for ANY condition not just the cancer. Did you see the recent case of a woman who was taken ill with a brain tumour but her insurance refused to pay out because she hadn't told them that she was taking hrt? 

silvercar

katejo said:

IvanOpinion said:

katejo said:

IvanOpinion said:

If you talk to the travel companies involved they may allow you to defer the holidays until after your treatment, but first talk to your oncologist and see what the timeline is likely to be.

Everyone is different and your oncologist will know best, but I was in a similar situation last year (cancer diagnosis) and the oncologist worked around 2 holidays that we had booked. He said that a bit of R&R would do no harm.

Good luck with your treatment. You need something to look forward to.

But did you declare the diagnosis to the insurer? Did they not refuse to cover you? 

In this instance I did not declare it because my oncologist said I was fine to travel and the chances of me having any problems coming from the cancer while I was away were negligible. Some would argue I was wrong, but I was willing to accept the risk that the cancer would not impact me, and it didn't - all other conditions were declared and covered.

But if the insurer found out about this, they might refuse to pay out for ANY condition not just the cancer. Did you see the recent case of a woman who was taken ill with a brain tumour but her insurance refused to pay out because she hadn't told them that she was taking hrt? 

There’s also been cases where an insurer has been told they should have paid out for an medical omission that was irrelevant to the actual claim being made.