travel insurance cancer

The Hurdles Of Travel Insurance

When going away on holiday you may be going to somewhere completely new and different from your usual day to day life. There are new dangers and risks whether it’s the beaches of Spain or the Rainforests of the Amazon, there are many things that you may take for granted but in reality are extremely costly.

One example is the typical family holiday to Florida, water parks and theme parks are everywhere but if you or a family member were to hurt themselves and need an air ambulance back to the UK then it would cost 35,000. Obviously no one can afford these expenses hence the necessity of travel insurance.

The trouble is that getting travel insurance is like getting any kind of insurance; you can get turned down for it. People that get turned down for travel insurance are normally those who have pre-existing health conditions such as heart disease. People who try applying online may be turned down simply for mentioning they have health concerns but that doesn’t mean that they are excluded from getting travel insurance, some companies may simply require extra paperwork to confirm that you are safe to travel.

There are specialist travel insurers who offer travel insurance for people with health concerns; these unfortunately come with an extended premium which can vary from only a couple of pounds for something like Asthma to a substantially larger amount for terminal cancer. Another reason you may be turned down for travel insurance is your age, 97% of travel insurers impose upper age limits on their policies and so you may find it harder to find an insurer if you’re in your later years.

Policy holders that are 85 and older are eight times more likely to make claims on their insurance than under 35 year olds but fortunately there are specific insurers like Saga that have no age limit and also cover a large amount of health conditions too.

It’s not just the old and frail that may struggle getting travel insurance, if you plan to engage in some extreme sports there is a long list of insurers who won’t go there such as Norwich Union and Marks & Spencer. It is important that when you apply for insurance that you disclose all the activities that you are likely to engage in so you don’t risk voiding your insurance policy.

Whilst again, there are specialist insurers available you will find that even they won’t cover some death-defying feats such as base jumping and free-style skiing. Overall make sure you’re suitably covered for your holidays this year and you’ll save yourself a lot of hassle and money whilst having a great time!

Finding Travel Insurance For Pre-existing Medical Conditions

What would happen if you had a month’s trip to America booked – departing in six months time – and were unexpectedly diagnosed with lung cancer? Suppose you had to cancel your holiday and go in for immediate surgery. If you had been smart and taken out travel insurance – effective from the date you booked the trip – you should be able to recover costs associated with the cancellation of the trip (after any excess payable). However, if you had waited until the day before departure to purchase travel insurance your cancellation costs would not be covered. Some people try to squeeze extra mileage out of their annual travel insurance policy by making the start date of the policy the date of the first departure. This is a risky thing to do because there will be no cover for cancellation costs if anything should go wrong prior to the departure date.

Just suppose you’d been having tests and investigations within the last year for lung-related problems but failed to declare this fact when purchasing travel insurance. During your scuba diving holiday in California, you start coughing up blood all over the dive boat. You have to seek emergency medical care and a diagnosis of lung cancer is confirmed. Would you be covered for the high emergency medical costs or curtailment of your trip? Probably not.

Anyone with a serious pre-existing medical condition will already know that obtaining travel insurance can be tricky, but not impossible. Some travel insurance companies exclude all claims related to pre-existing medical conditions. Some insurers will cover for pre-existing conditions without any additional premium. Other travel insurance companies may have a medical screening system, usually carried out over the telephone or online. A series of questions is asked to assess the risk and determine whether insurance can be issued. If approved, there may be a choice to either pay an additional premium to cover the pre-existing condition – or elect not to pay the extra premium and exclude claims relating to the risk.

Common conditions such as hypertension (high blood pressure), diabetes and asthma can all cause problems when trying to obtain travel insurance – especially if combined with other conditions, so never neglect to disclose something as common as high cholesterol thinking that it is insignificant! All questions must be answered fully and honestly.

As with any type of insurance, there are always exclusions. Some insurers will refuse to insure those with pre-existing conditions involving cancer, serious kidney problems (requiring dialysis), serious heart conditions, strokes and HIV, AIDS, or any AIDS-related problems. They also do not cover for suicide or suicide attempts – in case you’re thinking of jumping off the Golden Gate Bridge!

Most travel insurance policies will carry similar wording and it is wise to read and understand the terms and conditions. For instance, there might be clauses stating that you should never travel against the advice of a medical practitioner, or to obtain medical treatment abroad (unless already disclosed and pre-approved). The same goes for those on waiting lists for surgery or procedures, or awaiting the results of medical tests. There are specialist travel insurers who will often cover terminal illnesses.

During the medical screening, you may be asked specific questions, such as: have you been a hospital inpatient or had any medical condition that requires ongoing medication, or referral to a specialist within the past twelve months? Have you ever suffered from, been diagnosed with, or treated for cancer (or other malignant disease), a heart or lung condition (excluding well-controlled asthma), high blood pressure or any psychiatric disorder?

Any claims you make which relate directly or indirectly to the types of conditions listed above will normally be excluded – unless you declared the condition and it was accepted by the underwriter, subject to any conditions or additional premiums imposed. Whether or not a particular travel insurance company is willing to offer insurance will depend upon different factors, depending on the underwriter, so it is wise to shop around and obtain quotes.

The biggest mistake is taking the risk of failing to disclose a condition to obtain the insurance. You might get away with it if there are no problems and you have no reason to make a claim. However, if the worst should happen, the insurance company has ways to find out – and they will find out – about any pre-existing conditions! You could find yourself with huge medical bills and your insurance claims denied. With the high cost of medical treatment in some countries (the USA especially) it simply is not worth it. Always be completely honest so that you can have peace of mind and enjoy your holiday without worrying about every twinge!

Travel Insurance When Pregnant Or Traveling With Children

There was a time when pregnant women would avoid traveling altogether, but these days women don’t let pregnancy stop them from going abroad and having fun. Only you can decide whether the pros outweigh the cons when traveling while pregnant or with small children.

As a general rule, travel insurance policies will not cover a woman who is expecting delivery of a baby within 14 weeks of the expiration date of a single trip policy, or within 14 weeks of the return date of a trip for a multiple trip policy. As with most types of insurance, there will be an excess to pay in the event you have to make a claim.

Some travel insurance policies will cover children for free as long as they are accompanied by an adult who has paid for their insurance and they are all listed on the same policy. If a multi trip policy is purchased on an annual basis then children may be able to travel independently of the adults.

Medical disclosure is of great importance when purchasing travel insurance. You should be asked a set of question which might include:

Are you traveling against the advice of a doctor or medical specialist? Are you traveling abroad to obtain medical treatment?

Are you on a waiting list for a procedure?

Awaiting results of tests?

Do you have ongoing treatment for a condition?

Have you received a terminal prognosis?

They also need to know if you have ever been diagnosed with diseases such as cancer, heart or lung disease or high blood pressure. Note that disclosure also includes depression, anxiety and psychiatric illnesses. It is vital that you are totally honest otherwise any claims you may have to make could be invalidated. That’s the last thing you’ll need!

It’s a good idea to apply for the European Health Insurance Card (EHIC) well in advance of your travel to destinations in Europe. The application forms are available at your Post Office (if you still have one) or apply online or by phone. However, please be aware that the EHIC is not a substitute for purchasing travel insurance – it should be in addition!

If you think it’s a good idea to leave the pushchair at home, think again. A lightweight pushchair can be a life saver if there should be delays or problems. Most airlines will carry them for free and allow them to be used all the way through to boarding. Carry cots are not always allowed so it’s best to check ahead with the airline. Most airlines provide a sky cot if you book in advance. The bulkhead seats on the plane are the best choice if you have a baby or small children as there’s more space and you’ll have less impact on your neighboring passengers!

The need for travel items and accessories for babies and children has created a whole industry of specialist companies. You can pick up some useful tips from them and purchase items which will make traveling easier for everyone. A few good ideas are insect nets and sunshades for push chairs; extra absorbent nappies which are designed for night time and last longer on journeys (don’t forget nappy sacks). Sunburn and sun damage are very real dangers, especially so for children. Avoid this by keeping children out of the sun if possible, use high SPF sunscreens, SPF protective clothing and sun hats. Pick up some child-safe insect repellents too – many nasty diseases are contracted through insect stings and bites.

Once you get to your destination have you thought about how you’ll handle babysitting problems or find a way to get away on your own without the children? Many resorts have babysitting services, but after the awful experience of the McCann’s in Portugal and the still-unsolved mystery of their missing Madeleine, many parents will think twice about letting the children out of their sight at all.

You might consider purchasing a monitoring device to keep an eye on your sleeping kids via your mobile phone while you go down to the hotel restaurant to eat or have a drink.

One way to avoid losing toddlers is to fit them with a wrist band with your mobile phone number written on it. This could save a lot of time and heartache and reunite you with lost children quickly. How many times have you lost track of young children at the beach? It can be hard to locate them amongst the crowds. A small child is not going to be much help to a stranger or the authorities who are trying to identify the child by providing an address or phone number, so a wristband could be a huge help.

An internet search of related websites and forums for traveling with children will be helpful and provide you with useful information and tips from other parents. There are even companies that will ship baby supplies to your destination for you. If it seems an unnecessary expense, consider what you might have to pay to purchase those items once you reach your holiday destination.

There are a million things that can go wrong while traveling, but with a little forethought, research and preparation before you leave home you can avoid many problems. For instance, read up on your destination country and know ahead of time whether you need vaccinations, whether the water will be safe to drink, and which foods to avoid. If in doubt, don’t forget the basic rule: Peel it, Cook, it, Boil it, or Forget it!

Your priority is to keep yourselves and your children safe and enjoy your holiday – and avoid any need to have to make a claim on your travel insurance. So, is travel insurance necessary? It’s not a choice your children have to make so it’s up to you. If you purchase it you probably won’t need it – but would you want to take that chance?

Why Take Out Travel Insurance?

It seems that many people in the UK ask themselves this question and conclude that there isn’t a reason to take out travel insurance. For a very few this may actually be the right conclusion, mainly those with enough money to cover any costs they may face, but for the vast majority of us, travel insurance provides necessary safeguards against mishap on our journeys, whether for business or pleasure.

Below I will detail some reasons, but by no means all, for having a travel insurance policy and possible consequences of not having one, but as everyone is different it is incumbent upon each person to make an assessment of their own needs in deciding whether they need to buy a travel insurance policy or not.

The major expense you may face when abroad is the cost of emergency medical treatment, please note the word emergency as travel insurance does not cover routine medical treatment or any treatment that the insurer considers could have waited until you return to the UK.
It does include the cost of transport to a hospital for emergency medical treatment, such as an ambulance, as in many countries the ambulance service is provided by private companies who charge for the service.
Most travel insurance policies also provide for repatriation to the UK once the attending doctors consider the patient fit enough to travel and this can include the costs of a doctor or nurse to be flown out to travel with the patient on the return journey where necessary.
It should be noted, however, that most travel insurance policies require you to notify the insurer as soon as possible if any treatment to be received is likely to cost above a set figure, and this figure can be as low as 250, in order to get the treatment authorised, failure to notify the insurer may invalidate any claim, so you must read the policy documents and familiarise yourself with the claims procedure. This is why it is vital to have a copy of the travel insurance policy and documents with you when you travel. Always err on the side of caution and call the insurer’s claim handling number if you are unsure.

The range of cover available for emergency medical treatment included on a travel insurance policy is often within the range of 1 million to 10 million.

Most travel insurance policies include some cover for emergency dental treatment but often this is for no more than a few hundred pounds and usually only for treatment to stop pain, not for any remedial work.

Most travel insurance policies, and especially the cheaper ones, do not cover pre-existing medical conditions, mainly because the costs to the insurers for claims by people without pre-existing medical conditions are significantly lower and, therefore, the insurers can keep the premiums down.

If you have pre-existing medical conditions you have a choice to make, namely do you buy a travel insurance policy that will cover emergency medical costs arising from an episode that can be attributed, either directly or indirectly, to the pre-existing medical condition or not.
Bear in mind that you will only be covered on a travel insurance policy for costs of medical treatment that require immediate attention, so you have to decide if your condition(s) is/are the type of thing that could flare up suddenly and require you to need emergency medical attention and I would suggest that you discuss this with your GP if you haven’t already.
It is not mandatory to declare a pre-existing medical condition to an insurer and pay the extra cost to have it covered, but if you choose not to you must accept that the insurer will reject any claim for costs associated with the condition and not just the medical costs.
There are definitely some medical conditions that I would consider it to be unwise not to cover, these are mainly systemic conditions such as high blood pressure and diabetes; any heart related condition; any stroke related condition; cancers if there is a possibility of a sudden deterioration in health or if the cancer may spread to other parts of the body; any condition that may cause loss of balance, such as epilepsy, which could lead to a fall causing sprains or broken bones; and any condition that can cause a sudden episode that requires immediate treatment by a medical professional, such as gall stones where the gall bladder was not removed.
This is not a comprehensive list by any means, only you and your doctor(s) can make the necessary assessment of the likelihood of an occurrence triggered by a pre-existing medical condition.

After cover for emergency medical treatment the next largest sum insured on a travel insurance policy is normally personal liability cover which is cover in case you are responsible for damaging someone or their property, although it is usual for any damage caused by you operating a vehicle or an animal under your control to be excluded, a separate policy in these circumstances is required, although if you are renting the vehicle or animal, the required insurance may be included in the package and you should check that this is the case. Cover for personal liability is usually between 500,000 and 2 million.

If you become involved in litigation as a result of an incident on your trip you will be thankful for the legal expenses cover included in most travel insurance policies, although this is usually no more than a few tens of thousands of pounds rather than the much larger sums for emergency medical treatment and personal liability, how many of us have that much spare cash available?

Other parts of a travel insurance policy include cancellation cover, personal belongings cover, cover for loss of money or passport, and cover for travel delay or disruption, although this is normally only for the initial travel from and returning to the home country, any connecting flights or other transport are not covered. While these incidents are no doubt irritating and inconveniencing they are not potentially financially ruinous.

In summary, unless you can cover all the potential costs of an incident abroad with your existing financial resources, and even then, who would want to use up those resources instead of spending a tiny fraction of them on a travel insurance policy, it makes sense to buy a travel insurance policy.
Without travel insurance you would be forced into making the decision of whether you can afford potentially life saving medical treatment or not, a most invidious position in which to find yourself.
As with all forms of insurance you have to balance the cost of the policy at the outset against the potential cost of not being insured.
My intention here is not to give advice but to raise topics you might want to think about, in the end only you can make the assessment about what is right for your circumstances.
Whatever you decide I hope you have a happy and trouble free trip.

Prostate Cancer and the Amazing daVinci System

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Celestial Gossip – Cancer

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Cancer Cost: The Rising Cost of Cancer

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Health Insurance Ensuring A Good Health Prospect

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Travel Insurance for Over Retirement Age

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