If you are a cancer patient you really should take travel insurance out when you go on holiday or travel abroad just in case you fall ill and need medical treatment as the NHS will not provide treatment whilst you are on holiday. The cost of receiving medical treatment outside the UK can be very expensive and the travel insurance will repay most of these costs provided you took it out before you left for your holiday.
In addition if you need assistance to get home, like an ambulance or medical staff to accompany you, then the travel insurance will pay for the costs associated with repatriation too.
For those with pre-existing medical conditions travel insurance can be expensive unless you shop around (this link might help you find cheap travel insurance for people with cancer
Travellers with cancer have in the past paid significantly more for their travel insurance as those with cancer, like many other sufferers of a pre-existing condition have had their premiums raised. The travel insurance companies consider those that are under the treatment of a doctor, even on a routine basis, may be more likely to claim and hence cause them to have to pay out.
Additional rating factors which effect travel insurance are connected conditions and whether this condition has caused you to cut short or cancel a holiday in the past.
Cancer and travel insurance
known medically as a malignant neoplasm, is a broad group of diseases involving unregulated cell growth. In cancer, cells divide and grow uncontrollably, forming malignant tumors, and invading nearby parts of the body. The cancer may also spread to more distant parts of the body through the lymphatic system or bloodstream. Not all tumors are cancerous; benign tumors do not invade neighboring tissues and do not spread throughout the body. There are over 200 different known cancers that affect humans.
The causes of cancer are diverse, complex, and only partially understood. Many things are known to increase the risk of cancer, including tobacco use, dietary factors, certain infections, exposure to radiation, lack of physical activity, obesity, and environmental pollutants. These factors can directly damage genes or combine with existing genetic faults within cells to cause cancerous mutations. Approximately 5–10% of cancers can be traced directly to inherited genetic defects. Many cancers could be prevented by not smoking, eating more vegetables, fruits and whole grains, eating less meat and refined carbohydrates, maintaining a healthy weight, exercising, minimizing sunlight exposure, and being vaccinated against some infectious diseases.
Cancer can be detected in a number of ways, including the presence of certain signs and symptoms, screening tests, or medical imaging. Once a possible cancer is detected it is diagnosed by microscopic examination of a tissue sample. Cancer is usually treated with chemotherapy, radiation therapy and surgery.
All of these factors including the type of cancer and staging will be taken into account when you apply for travel insurance with cancer.
In addition, those that are waiting for a diagnosis or additional tests face the highest premiums as what insurers’ hate most of all is uncertainty, especially around the possible risk of falling ill abroad with a condition that isn’t yet well controlled.