Organizing Travel Insurance is an essential part of planning a holiday however it can be difficult if you have a medical conditions such as Breast Cancer. This is because many travel insurance companies will decline cover for cancer related conditions. You will therefore need to identify a provider who specializes in finding travel insurance solutions for people living with pre-existing conditions.
By taking out a travel policy which includes cover for medical conditions like Breast Cancer you are ensuring that any complications related to the Breast Cancer either prior to the trip causing cancellation or during the trip necessitating medical treatment would be covered. You would also be covered for something which was indirectly linked to the Breast Cancer i.e. a chest infection after recently finishing chemotherapy treatment for the Breast Cancer, which would cause you to cancel your holiday.
Every person's quote is based on their own individual circumstances so a medical assessment is required. The questions relating to Breast Cancer will vary from insurer to insurer but typically they want to know the following:
- Whether the Cancer has spread beyond the Breast
- How long since the initial diagnosis
- How has the breast cancer has been treated
- Is there ongoing or further planned treatment
- How often you see a hospital doctor about the cancer
- Do you take strong painkillers to control the breast cancer
Once the medical assessment is completed a quotation can be worked out taking into account the applicants medical conditions, age and trip details i.e. destination and length of trip.
Quotations and cover will vary however in order to obtain the best policy for your needs you should ask the following when receiving your quotation:
- What is the policy excess?
- Are there any exclusions on the policy?
- What are the policy benefits?
- Does it have an on-going medical warranty? (gives the insurer the right to charge extra or decline cover in the event of medical changes once the policy has been issued)
For further advice about travel insurance for breast cancer related conditions please refer to our website travelinsurancehelpline.com who offer help and advice for people looking for travel insurance that have pre-existing medical conditions.