How does having cancer affect travel insurance premiums?
Premiums are likely to vary according to the severity of your cancer and what stage of treatment you’re at. This is because you’ll pose a different level of risk to the insurer depending on the extent of your illness.
Will my destination affect the premium?
Yes, travel insurance premiums are affected by your holiday location. In places where there is a high cost for medical treatment, cancer travel insurance is likely to be more expensive. For example, medical expenses can be particularly high in the US, so the premium might be higher if you’re planning to travel there compared to Europe.
What if I have recovered from cancer?
Even if you have recovered from cancer, insurers will still expect you to declare this. You may still require some extent of additional or specialist cover.
You may also find that there’s a bit of variation between insurance companies too, with some refusing to cover patients several years after recovering from cancer, while others will grant insurance after a few months of remission. The majority of providers will insist on a letter from your doctor, either way, to confirm you’re ok to travel.
Do I need an EHIC?
A European Health Insurance Card (EHIC) entitles you to free or discounted treatment in state hospitals in a number of countries in the European Union, and in some overseas territories too. The card is free, so is well worth getting, but is no substitute for travel insurance. It entitles you to the same cover as locals, but remember that the health services are not always free and not always of the highest standard. You can find out more about the EHIC here.
Travelling with cancer
If you have cancer, or are in remission, you should seek the advice of your doctor before travelling. You must be honest with any potential insurer about your medical history. If you don’t disclose relevant details to your insurer, they may refuse to pay up in the case of a claim.
Finding travel insurance for someone with cancer should be stress free and we’ve made it as simple as possible for you to compare providers. You can search according to your requirements and compare policies from across a range of insurance providers. You may find the best deal with the right level of cover for you, meaning you can then go off and enjoy your well deserved break.