Getting the right breast cancer travel insurance

Affordable travel insurance when you’ve had or still have breast cancer can sometimes be difficult to find. We make it that bit easier.

We specialise in covering pre-existing medical conditions and can cover people with breast cancer.

So, when you set off on your adventure, you’ll have the calm confidence that comes with buying your policy from the UK’s Most Trusted Travel Insurance Provider*.

You can get your tailored quote online here, or talk to us now on 0800 033 4902.

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Why do I need holiday insurance for breast cancer?

We’re sure you like to do things the right way. So do we.

It’s always a good idea to be protected against something going wrong on your travels.

You might not know this, but 1 in 20 people made claims on their Annual Travel Insurance in 2017**. So it’s actually not that uncommon to have to claim on your insurance.

When something goes wrong with late luggage, or a lost passport, a flight delays, it can be inconvenient and prove costly. Meanwhile, the cost of medical treatment varies from country to country, but in many, it can be very heavy.

A good policy could end up saving you a lot of money and stress if one or more of these problems does crop up. It doesn’t cost much to buy that peace of mind, given the potential help it can offer you.

To find out whether we can cover you, we’ll first need you to complete a medical screening.

What will I be asked during the screening process?

We’ll ask you some questions about your breast cancer and any other pre-existing medical conditions you may have. Questions may include:

  • How long ago was the initial diagnosis of breast cancer made?
  • Has the cancer ever spread beyond the breast and if so, how long after your first ever diagnosis did the cancer spread beyond the breast?
  • Are you taking strong painkillers every day?
  • Are you currently having any treatment or is any planned?
  • How many (if any) unplanned hospital admissions have you had in the last twelve months relating to the condition?

You can answer these questions online or over the phone.

Do I need to tell you about all my medical conditions?

Yes. It’s vital to get the details right at this stage, to avoid any disappointment later. If a medical condition is not included in your policy it would end up meaning you are not covered if you later need to make a claim.

It’s helpful to have details of your medical condition to hand during the screening process.

You can get your quote for breast cancer travel insurance online now or call us 0800 033 4902.

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When do I need to declare breast cancer on my policy?

By declaring breast cancer, you are telling us that you have, or have had, in the past two years (even if you are in remission):

  • Symptoms
  • Check-ups
  • Tests or test results
  • Surgery or treatment (including chemotherapy, biological therapy and radiotherapy)
  • Medication

If your breast cancer is in remission and you have not had any of the above, or check-ups within the last two years, you will not have to tell us about it.

In the event of a medical claim, we will need to check that your medical history for the past two years, including check ups and other pre-existing conditions, matches your declared conditions.

If I have had chemotherapy, radiotherapy or biological therapy, can you offer me cover?

Yes, we will be able to give you full cover providing you are not awaiting any further surgery or treatment.

If you are awaiting further treatment, then we may still be able to offer you cover, but it would exclude all pre-existing medical conditions, including breast cancer.

Can I use my European Health Insurance Card (EHIC) as travel insurance?

Although you should certainly take it along with you, an EHIC is no substitute for good travel insurance. The NHS recommends you get proper travel insurance too.

The EHIC means you’re entitled to subsidised or free healthcare in most European countries when using their state healthcare provider (like our NHS). This covers all EEA countries (that’s all EU members plus Iceland, Norway, Liechtenstein and Switzerland).

But please be aware that even within the EEA, a few places such Monaco and Jersey, do not accept the EHIC.

However, an EHIC does not cover you for non-medical issues that can go wrong. If you have to cancel your holiday, or you have to pay for medical transportation home, an EHIC will not cover this. Medical repatriation can be one of the most expensive cost incurred on holiday.

It’s a condition of our insurance that you carry an EHIC if you’re going on a European trip.

If you do use your EHIC and you’ve still had to pay a subsidised fee for healthcare, we’ll remove the excess fee for medical emergency claims.

I have terminal cancer. Can you offer me travel insurance?

Unfortunately, no. We cannot provide cover for any terminal diagnosis.

If we can’t provide the right cover for your condition, then we can signpost you to The British Insurance Brokers Association (BIBA). They may be able to help you find an alternative provider.

We can also signpost you to InsureCancer.com who can also be contacted on 0845 6490190. Insure Cancer specialise in providing cover for people with active, metastatic, relapsed or terminal cancer, as well as people involved in clinical trials.
What does our travel insurance cover?

Basic Comprehensive
  • Medical emergencies and repatriation up to £5m
  • Cancellation and cutting your holiday short covered from £500 with optional upgrade to £3,000
  • Baggage claims up to £300
  • Cash lost or stolen up to £250
  • Excess £85 – £100
  • Medical emergency and repatriation up to £10m
  • Cancellation and cutting your holiday short covered from £5,000 up to £15,000
  • Baggage loss up to £2,500
  • Cash lost or stolen up to £500
  • Legal protection cover of up to £25,000
  • Excess £65

For a more detailed look at the level of cover we offer, please take a look at our policy documents. And if you want to ask us about this or anything else, we’re here for you to call today on 0800 033 4902.

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What if I have a medical emergency while I’m away?

Rest assured, you can call us 24-hours a day, so it doesn’t matter which side of the world you’re on.

We’ll help arrange medical treatment with local doctors, and we’ll also provide you with translation if you need it.

If you need to, you can even reverse the charges when calling us.

I’ve already bought my policy. Can I make additional changes to it?

If something changes before you take your trip, we’ll need you to tell us as soon as possible.

Whether it’s a change to your medical conditions or medication, or adding optional extras to your holiday, please do speak to us. We’ll do our best to see if we can increase the coverage where necessary.

Please note: we can increase your policy coverage, but we can’t reduce coverage in return for a partial refund. So, please make sure that you’re happy with the level of cover when you book with us.

What if I have to make a claim?

If you do need to claim, we’re right on hand to help. In fact 98% of people’s claims are paid within 5 working days***.

If any medical bills come to more than £350, we’ll also try to settle the agreed bill directly with the medical facility.

With the right travel insurance for breast cancer, you can travel knowing that should something go wrong, you’re in safe hands.

Isn’t your travel insurance worth doing right?

Be covered properly with your tailored policy

It’s always important to have a competitive price for your travel insurance policy. Our Basic level insurance does what it says, and it does it well.

But what’s most important is being sure that you do have the right cover.

So what if you need something extra? If that’s the case, you may want to think about tailoring your plan to increase your cover where it’s needed.

Or, for full peace of mind, you may want to choose Comprehensive cover. In most cases, it’s got everything you could need.

If you’re doing something extra-special on holiday, such as winter sports or an Ocean Cruise? Or maybe a spot of golf? No problem. With Comprehensive cover, you can also upgrade to get extra cover for these sort of activities, so everything’s good to go.

To see what insurance cover you can choose or add on, you can call us for free on 0800 033 4902, or get your quote online today.

Get your travel insurance quote to cover breast cancer today

Talk to us today on 0800 033 4902. Or, you can get a quote online in just a few minutes below.

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* Moneywise Customer Service Awards 2017 & 2018, based on the biggest survey of financial consumers in Britain.
** 5.04% of people claimed on their Annual Travel Insurance Policy in 2017.
*** 98% is based on claims made between January and December 2017. Payment within 5 working days depends on the insurer receiving all relevant information and documentation.