Travel insurance while awaiting results

Hi I’ve also posted in the travel insurance part of the forum but my problem is specific to diagnosis and a lot of the advice over there didn’t fit with my situation or experience of contacting insurers - apologies if I missed a thread!

I’m finding that no insurers - including the specialists that people otherwise recommend for BC (insurance with etc) - will cover an undiagnosed medical condition/condition under investigation. I had BC three years ago and am currently being investigated for a possible second primary. The process is taking a long time (I’ve had two unsuccessful biopsies so far - coming back as B4) and unfortunately we have a large pre-booked extended family holiday coming up - which falls before my next biopsy. I’ve also explored having travel insurance to cover other risks (accident, theft etc) but with the BC as an exclusion (I have a global health card which hopefully would cover that unlikely possibility) - but that’s also proved unsuccessful so far. Has anyone else had better luck with travel insurance prior to diagnosis? Its so frustrating - it would actually be more straightforward if one of the biopsies had come back as definite cancer as then the specialist insurers would cover.

Just to add - I’ve finally managed to find some travel insurance via the British Insurance Brokers Association - they have a webpage with insurers who provide cover in this situation https://www.biba.org.uk/find-insurance/travel-undiagnosed-conditions/ - but I found that several of those listed had recently changed their policy and no longer covered this situation - I think insurers are becoming more risk averse. So I rang the BIBA’s own number and after asking some questions they put me through to one of the insurers who was able to provide cover. It wasn’t cheap (£98 for a week in Europe) and also won’t cover the undiagnosed condition (the BC) - but at least I’m covered for accidents, theft etc. Several people signposted me to the money helper website but I didn’t find that much use for this situation.

1 Like