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Travel Insurance

32 REPLIES 32
SuperSue
Member

Re: Travel Insurance

Hi Folks,

Try Columbus Direct. Approx £165

Insurance covered myself, husband and daughter for three week adventure holiday in Africa. Covered not only BC (no excess whatsoever) but diverse other things that I didn't need such as elephant safaris, tuk-tuk rides and (mysteriously) two bungee jumps.

Best wishes,

Sue

thetunnery
Member

Re: Travel Insurance

Thanks Yessie for your helpful post. I have taken note of all the numbers as I intend a holiday to see my sister in Oz as soon as I finish treatment in December. It will save me fishing around for the telephone numbers

Have a fab holiday

Sharon x

Parvati
Member

Re: Travel Insurance

I have insurance with Lloyds via my bank account and although Lloyds' charity is Breast Cancer (staff pay £1 not to wear uniform every Friday etc.) their insurance would not cover ANYTHING breast cancer related and it makes you think? Hmmm heart probs - down to chemo; lung problems - down to rads; bone problems - down to Arimidex. Marrs didn't help me nor did most of the others, one quoted £600 for a three week holiday in India where any treatment would probably cost less than the premium! Eventually I got covered for myself and my husband with Itssoeasytravelinsurance.com or .co.uk. But yes, you do have to declare EVERYTHING. Even something minor which happens after you took out the insurance.

yessie
Member

Re: Travel Insurance

Hi, Thank the lord for all of you and this site.

I'm off on my first holiday since my surgery, and although I'm sure implants are nothing to worry about I'm REALLY (quietly) scared! I do get on and off lymphodema in my right arm, which is annoying so I guess I should wear the sleeve I've got (and don't usually wear, cos it seems to hurt more with it! I think it's too tight) ANYWAY, just to keep the Insurance feedback/topic going. I've just called around, I started with THE BEST:

Aberdeen insurance: 01472 826672 They quoted £13.61 for a 6day trip to Europe! THIS INCLUDES COVER FOR B.C. and OSTEOPENIA Ironically it was 'cystitis' that bumped it up to £31.61, would you believe!! So in short if you want B.C. cover only really then it'd VERY cheap.

Other's I tried were Freedom Travel insurance: 087077 43760 Would've been pretty good but for my other issues, which bumped it up to £50.67

Marrs Travel insurance: they quoted £12.65 to cover my B.C. but as before this went insane when I added other stuff.

I have to say I was INCREDIBLY impressed with Aberdeen Insurance Service, they were the most kind and personable too. Marrs were a bit frosty to be honest.

Anyway good luck. I'm off to look for other postings of anxious flyers! (And hopefully get some sun) x

kate67
Member

Re: Travel Insurance

Mammabee
I have just got my insurance through Aberdeen Insurance. There number is: 01472 826 672
I have another medical condition as well as BC to cover and it has cost £27 with £500 excess for BC related issues/ £50 with no excess and £55 for an annual policy. I thought that this is fantastic as it usually costs me £70 extra to cover my other pre-existing medical problem. So, I am off to New York for some retail therapy!

ChristineMH
Member

Re: Travel Insurance

Just want to say that even if you have an annual policy through a bank that you got before you were diagnosed, it might not be good. I had an account with Lloyds TSB that provided global travel insurance cover, but when I was a few month out of treatment I checked whether it would cover a trip to the US and it would not.

Also, it is very important to get in writing that you have disclosed your BC to the insurance company. The worse case I heard of was a woman who had told an insurance company that she was five years post diagnosis and the insurance company told her that she did not need to pay extra for a trip to Canada, which is a high-cost country. Unfortunately she developed serious problems with mets to the lung while she was there and the insurance company was refusing to pay because they said that it was a pre-existing condition. A lot of insurance companies seem not to use very scientific criteria. For example, if I had had no spread to the lymph nodes, I could have gotten insurance from Marrs with no added cost at three and a half years after diagnosis, which is a bit loopy because although something like 2/3rds of recurrences happen within the first three years, there is still that third out there.

mammabee
Member

Re: Travel Insurance

Can anyone please give me details of Aberdeen Insurane as can't find them on t'internet

Ta muchly

Joanni
Member

Re: Travel Insurance

Hi All

Interesting to read about the insurance. Two years since my mastectomy and I have managed to get travel inusrance at the normal rate, but with a £20.26 excess if I have to cancel due to a cancer problem, with the Post Office.

Joan

Anthi
Member

Re: Travel Insurance

Many thanks Alison for recommending Aberdeen.

They were really nice to deal with and have sold me a Worldwide annual policy for £55.

Best wishes everyone
Anthi

lizziecee
Member

Re: Travel Insurance

stunned - sorry this should have said "without" disclosing bc to your insurers.
It is late....and had 3 glasses of wine!" No excuse though.
Liz.

lizziecee
Member

Re: Travel Insurance

To stunned - please don't go abroad with disclosing your bc to your insurance company.
Some 7 yrs ago,(prior to my bc) we went for our annual visit to the USA to visit friends in Florida - we had Barclayclard Gold insurance, and it never occurred to me to let them know I had pre-existing Crohn's. Our visit was for 2 months, but within 2 weeks I had a severe rectal haemorrhage, my friend took me to the nearest ER and I was put on IV steroids and blood transfusions. The first thing the triage receptionist said to my friend was: "Does she have insurance?". I had to sit on the loo for an hour bleeding copiously until my friend said she would make the receptionist personally responsible if I died! You all should have a friend like Trish! She replied yes, and showed her my policy. It was late at night, 11 pm I think, and obviously they were unable to contact the insurers in the UK at that time with the time difference of 5 hours, so they admitted me. Then all hell broke loose - my bp was 70 over 40 and the last thing I remember is the ER doctor saying: "we are losing her". It was a very frightening situation.

I was in the hospital for 6 days, in the high dependancy ward, and it cost some $15,500. Barclays' underwriters refused to pay, saying I had not disclosed my pre-existing Crohn's. I was unaware at that time I needed to. However, as I thought I had flu (as my host had), and had taken some 350 mg of aspirin, this caused the crypt abscesses in my colon to burst.
I fought this claim for some 9 months, and did eventually get reimbursed. But it is a very cautionary tale not to take annual travel insurance policies for granted.

I went back to Florida in Jan 2006, but this time my Crohn's was under control, and I got insured for it with the Post Office (paid £48 for a 2 week visit), but they would not cover me for bc. I was 3 yrs out from dx, lumpectomy, total axillary clearance, chemo, rads and just on Arimidex. I figured that I would probably not die of bc in a 2 week trip, but I could do from Crohn's. So I went, and sod the consequences. I had a brilliant time and came back with a whole new wardrobe as I lost 2 stones when on FEC chemo. I think the whole wardrobe (some 12 different outfits) cost less than the extortionate fees some insurance companies charge. I would love to see some statistics on how many bc patients claim on their travel insurance. I would bet it is negligible.

Thanks ladies for all the information - my husband is 79 yrs old, and is waiting for a neurology appt (6 months!) for a severe walking problem and we have been unable so far to get insurance for him to go to Spain next year, but will definitely try Aberdeen Insurance.

Liz.

cmitchrd
Member

Re: Travel Insurance

Hello everyone, I was diagnosed with invasive lobular cancer, Grade 3, 2 nodes spread in February. I have just called my annual travel policy supplier, Norwich Union (provided with my HSBC bank account) to ask about the impact on my policy. Basically the only impact is that I will not be covered for any breast cancer related problems until a year after diagnosis, but apart from that no impact at all! I thought that this was great, and wanted to share it with you as it may be worth you checking out your annual policies if you have them, or looking into buying one. Prior to making the call I also checked out Freedom travel online and was provided with a really reasonable quote having given exactly the same information to them. good luck and happy holidays, Cathy.

alicer
Member

Re: Travel Insurance

Have been recommened:

MIA MASTER TRAVEL PROTECTION PLAN

www.miaonline.co.uk
e-mail
Tel 01268 782745

Premium of £44.50 for up to 17 days in Europe quoted for me with Secondaries in liver and bone. I usually pay in excess of £200 with Free Spirit. The staff are very helpful . I can only book 2months in advance with written comment by Oncologist as "fit to travel "in my medical notes.

As most companies will not cover me and I have been quoted up to £3000 for a week in Europe this seems a bargain.

Happy Holidays to you all. alice x

elizabeth10
Member

Re: Travel Insurance

Just got travel insurance with Aberdeen Insurance - £75 for the year and £750 excess (so high because of my under active thyroid) can go to the States etc on it. I finished treatment on 16th March now on tamoxifen.

Big Thanks to Alison

stunned
Member

Re: Travel Insurance

Hi

I have an annual travel insurance and a holiday booked in September. I haven't yet told the insurance company that I have had a lumpectomy and am not sure how they will react. Was anyone out there in a similar predicament and what did you do?

LorraineF
Member

Re: Travel Insurance

Hi ladies
A huge thank you to Alison for recommending Aberdeen Insurance who have come up trumps for me! They quoted annual worldwide cover for myself and hubby for only £65.00 with an excess of £500 if I needed treatment for my BC or high blood pressure which I hope is extremely unlikely.

I must have spoken to the same lady as Alison because she was a joy to deal with and totally eased my concerns about travelling to the USA in September.

Really worth a try for anyone still trying to arrange travel insurance.

Lorraine

Squeaky
Member

Re: Travel Insurance

Hi

I too had problems with travel insurance - mastectomy + LD reconstruction about 18 mths ago - routine follow up + tamoxifen.,Llike Lorraine also have hypertension -Marrs would not cover me but found Columbus Direct would cover for annual worldwide policy including States which cost about £165 for myself ,husband who has diabetes + children x2

So if anyone having trouble try them but it is a minefield out there and I sometimes wonder if it depends who you talk to!

Happy travelling!

LorraineF
Member

Re: Travel Insurance

Travel Insurance

The insurance companies mentioned ie Marrs and Freedom do not appear to apply any logic in deciding whether to cover cancer sufferers. I tried Marrs for an annual worldwide cover and they refused to include my pre-existing conditions ie breast cancer and high blood pressure. Freedom however quite happily provided me with a quote that I did not find too unreasonable for annual worldwide cover which included any treatment I may need for my breast cancer or blood pressure - hopefully unlikely!

It is all very confusing to say the least!!

Lorraine

RMW26
Member

Re: Travel Insurance

www.marrs.co.uk is worth trying. Cover for 2 weeks in Europe cost less than £40 for my family of 4 - including cover for breast cancer.

These are the questions you are asked.

Travel Insurance Medical Declaration

Before completing our on-line proposal form, please answer the following questions on our Medical Declaration. The questions apply to each insured person. Therefore, even if only one insured person answers 'yes' to a question, you must answer 'yes' to that question in the Declaration below.

a Are you or anybody travelling with you waiting for an operation, hospital consultation (other than for regular check ups) or other hospital treatment or investigations? Yes No
b Have you or anybody travelling with you received treatment, other than regular medication, in the last 12 months for:
- any blood disorder;
- any form of cancer, leukaemia or tumour;
- a transplant;
- any psychiatric illness;
- dialysis treatment; or
- dementia?
Yes No
c Have you or anybody travelling with you, who is diagnosed as HIV positive, required treatment for HIV or any HIV related illness? Yes No
d Have you or anybody travelling with you had any breathing or heart problem which has needed hospital treatment in the last 12 months? Yes No
e Have you or anybody travelling with you been seen by a specialist in the last 3 months (other than for regular check ups) or been admitted to a hospital overnight? Yes No
f Have you or anybody travelling with you been given a terminal prognosis by a registered doctor? Yes No
g Do you know of any reason (medical or otherwise) why the trip is likely to be cancelled or cut short? Yes No

Alison
Member

Re: Travel Insurance

Re Aberdeen Insurance on 01472 826672
I have just purchased an annual worldwide policy for me and my family for 77 pounds. The only condition is any BC related medical treatment carries a 500 pound excess.

I had tried Freedom Travel and they quoted 363 pounds for a single 2 week holiday and could not offer an annual policy. The girl at Aberdeen Insurance was really helpful and pleasant. I was diagnosed 2 years ago and had surgery, chemo, rads and now on arimidex
Highly Recommended
Alison

Moderator
Community Manager

Re: Travel Insurance

Hi forum members

I hope you don't mind me butting in on this thread, but as some of you probably know this is a topic which often comes up on the forums.

Breast Cancer Care’s press office is planning some media work to highlight the issues that people with a diagnosis of breast cancer can have when taking out travel insurance. If you would like to get involved with this, then please contact Ian Manley in the press office at , or on 0207 751 8066.

Best wishes

Lucy

Moderator

Breast Cancer Care

LorraineF
Member

Re: Travel Insurance

Annual Travel Insurance

I did try Freedom Insurance in Cambridgeshire who were very helpful and have quoted £550 for worldwide annual travel insurance for unlimited trips up to 50 days. The cover includes my breast cancer condition and my high blood pressure. This quote also includes my husband who I am pleased to report is very healthy!!

I actually do not feel this quote is unreasonable considering I was paying £150.00 a year prior to my diagnosis for annual insurance. Having lived in the USA for 2 years I am fully aware of just how expensive any medical treatment is out there and the first thing they ask for when you arrive to see a doctor is your medical insurance!!

Hope this helps anyone still trying to arrange travel insurance.

LorraineF
Member

Re: Travel Insurance

Travel Insurance

I underwent WLE in March and just finished 5 week course of radiotherapy and my consultant is saying I do not need any further treatment which obviously is great news. However trying to get travel insurance is proving difficult. We are going to the USA in September so today I tried Marrs who according to their website say they are willing to insure people with all sorts of health problems. Not the case as they were not prepared to cover me for the breast cancer or for my high blood pressure which I am medicated for and have been for several years. Previously I was covered for this with a Barclays policy!!!

I will try Freedom as suggested but I am beginning to feel like I am from another planet!!

Lorraine

JaneRA
Member

Re: Travel Insurance

Isn't it about time someone set up a charity to help people with cancer pay for insurance on holidays they want to go on. I keep reading about all these charities offering worthy holidays for cancer patients (Odyssey; sail4cancer etc.) and though I'm sure people who go on them have a great time I don't want to go on a special holiday for people with cancer...I want to choose where I go on holiday and be able to rest assured I'll get insurance cover at a reasonable price wherever that is.

Jane

binner
Member

Re: Travel Insurance

Hi Ladies
Re: Travel insurance
Just enjoyed a great holiday in Cyprus, when making arrangements with travel agent I was asked about insurance, the lady I spoke to actually made the call for me and got the insurance for £98. Thats £70 for both my hubby and me and then an extra £28 for declaring B.C. Not bad!!!!
Still a shame we have to do it though
Luv 'n' stuff
Binner xxx

ChristineMH
Member

Re: Travel Insurance

I got the form from Mars and apparently the problem was that they classified spread to the lymph nodes, which I had had and told them about, as being metastatic (no)! I will complain about the vagueness of their questions.

suzieq4
Member

Re: Travel Insurance

AllClear2Go - www.allclear2go.co.uk or 08712 088 635 are worth a try. I found them excellent. I had previously been with Freedom and found them good. Husband recently diagnosed with Prostate Cancer and Freedom would only insure us for a one-off holiday (£700 for 2 weeks) not an annual policy. AllClear2Go even insure you if you're terminal and aged 90! Their website is very good and staff on the 'phone very friendly. I got an annual policy with AllClear and we can now go to Antarctica in Dec/Jan - no worries!

Regards
Sue

ChristineMH
Member

Re: Travel Insurance

N. America Dear Jane,

North America can be extremely difficult to get insurance for. Marrs wouldn't insure me this afternoon for an upcoming trip even though I was diagnosed in 2003, have not had any recurrence or mets, am on no medication currently and have had a year of herceptin. In fact, it was the late herceptin that pushed me into the unacceptable high risk category because it meant that I had had hospital treatment within the last year. So, something that reduced my risk of recurring ironically made me uninsurable.

Freedom Travel came up trumps and insured me, my husband and child for less than what they had quoted for just me in 2004, even though our trip is twice as long as it was then. Since I had a very aggressive cancer that was likely to come back within two to three years, I feel that Freedom Travel got it right.

I know someone with prostate cancer mets who got insurance to the US, but he has stable disease under control with hormones. Green Bee insured a terminal esophageal cancer patient I know of for a trip to France, although I don't know if they would do the US. Unfortunately, the problems of the US healthcare system affect both those who reside their and those who are merely visiting.

emmap1000
Member

Re: Travel Insurance

Hi Lindypoops

Ouch! that insurance must have added a bit of a sting to the holiday. Hopefully next time with Freedom Insurance it won't be as bad. Hope you had a good time despite that? Congratulations on finishing the horrible stuff, do you have any other treatment next? I will have number 5 of 6 chemo next week, then rads followed by Hormone therapy. I can't wait to feel normal again, it seems like a lifetime since i have felt that way. How did you prepare yourself for Rad? Did it effect your skin badly? Starting to think about that stage now and wondering how best to prepare myself.

Thanks

Emma

JaneRA
Member

Re: Travel Insurance

Yes I have always found Freedom Travel very good and helpful. I have never got such good quotes anywhere else including Marrs who many recommend. Fiona is great..

mind you now I have regional recurrence and on chemo again not sure how it will go...would love a trip to USA later in year and just would never risk going there without insurance as I know many do...suspect though the cost will be prohibitive (I paid £300 for 8 days just after primary tretament when I was NED)

Has anyone with stage 4/mets ever got cover to north America?

Jane

lindypoops
Member

Re: Travel Insurance

travel insurance Hi Emma
I have just returned from a holiday in Cyprus and the cheapest insurance I could come up with was £264 for a 2 week trip. I will certainly keep the details you posted in the hope of getting something cheaper next time!
Hope you enjoy your hols and good luck with the chemo. I have just finished rads just over 3 weeks ago and finished chemo in April. Am at last beginning to feel more like my old self. Again hope all goes well for you ( are you having rads as well? if you are its a doddle after chemo!) Thanks for the info

Lindypoops

emmap1000
Member

Re: Travel Insurance

Travel Insurance Just wanted to pass on a recommendation for a good insurance company. I was diagnosed in February and am currently having chemo. I want to go to France in a couple of weeks and have been struggling to find insurance for while I'm there. As well as breast cancer, i also have diabetes so with two critical illnesses to my name it's been tricky. Untill today the quotes i had come up with for a week in France had been £200 and £120, almost more than the holiday itself is costing. Anyway after reading a recommendation from this website i phoned Freedom Travel Insurance and was pleasently suprised to be quoted £49 for the week. Amazing! So if your planning a holiday and need insurance contact Freedom Travel Insurance on 0870 774 3760.

Emma

emmap1000
Member

Travel Insurance

Travel Insurance