Costly Travel Insurance Is A Bane For Cancer Patients. But There’s An Alternative

Sep 22, 2022

Last Updated on: Jun 19, 2025

Travel Guides

A UK cancer charity has been raising awareness about what it calls the ‘scandal’ of cancer patients being quoted travel insurance premiums so high they cannot afford to go on holiday. 

Hampshire-based PLANETS, which supports people with neuroendocrine, pancreatic, liver, colorectal, abdominal, and pancreatic cancer, has accused travel insurance providers of applying a ‘one-size-fits-all’ policy to cancer patients which often penalizes people even when they are in remission and have been in good health for a number of years. 

As well as pointing out that many insurers simply refuse to cover anyone with a history of cancer, making their search for cover more difficult, PLANETS also highlights some of the exorbitant prices cancer patients are sometimes quoted – as if to purposefully put them off.

There Are Alternatives For Cancer Patients

It points to two cases it came across of patients it worked with, both of whom had neuroendocrine tumors. One was quoted for a two-week trip to Canada requiring £7,000. The other was told to enjoy a week in Spain, it would cost £1,000 for them.

PLANETS co-founder Jo Green also has neuroendocrine cancer. The condition is incurable, but with treatment can be managed successfully for many years. She has been living with it for 11 years, has no symptoms, and is in good health. But she too faces obstructive practices whenever she tries to get insurance to go abroad. 

The reason why PLANETS has taken up the cause of travel insurance for cancer patients is that, as Jo puts it, going on holiday is an “essential” coping mechanism for many people living with the realities of a long-term medical condition. 

“You’ve already been dealt a pretty bad card if you’ve had cancer,” she says. “It is a shame insurance companies can’t be more helpful and realistic in order to allow patients to seek respite through holidays which are important to health and wellbeing.” 

Her thoughts are echoed by her fellow co-founder Neil Pearce, a specialist in pancreas, liver, and neuroendocrine tumor surgery.

“For many people, the respite and morale boost a holiday away with family or friends brings is invaluable to their life, yet we are in the perverse situation where very little effort [by travel insurers] is even put in to establish the condition a person is in.”

Fair Prices And Bespoke Policies

After cancer travel insurance reviews, most mainstream travel insurance providers simply aren’t set up to deal with the nuances of people’s health on a case-by-case basis. To them, someone with a pre-existing medical condition represents heightened risk – the risk of falling ill while they are abroad and claiming medical expenses, the risk of requiring more expensive specialist interventions. 

Those risks are simply categorized by the condition. Whatever the condition, that’s the additional charge (if they even agree to offer cover for it at all). And everyone with that condition has to pay that same price. 

It’s also the case that certain medical conditions attract much higher premiums than others. Cancer is right at the top of that list. 

This is all commonplace in the travel insurance sector, but it’s by no means universal. There are providers who specialize in medical travel insurance, i.e. policies specifically geared for people with long-term medical conditions. 

The Difference Between The Travel Insurance And Medical Insurance

The big difference in how these niche providers operate is that they do take the health of the individual into consideration. This is usually done by means of a simple medical questionnaire.

Prospective customers will be asked about their medical history, what condition (or conditions) they are currently living with, how it is managed, what medication they are on, their current state of health, etc. 

From this information, medical travel insurance providers are the best insurance for cancer patients and are able to do two things. One, they can make a fairer evaluation of the risk an individual actually poses.

So for cancer patients, if they are in remission or if their symptoms are well managed and they are in good health, they can be offered a policy at a fair price. 

The insurer understands it isn’t simply cancer that poses the risk – it’s the individual circumstances of the patient. Second, knowing something about the medical background of the individual means specialist insurers can offer policies tailored to their needs. 

Although all travel insurance includes cover for medical costs, this is generally only for generic emergency treatments, not interventions specific to a particular condition. 

What If You’re Diagnosed With Cancer After You Purchase Travel Insurance?

Imagine you and your spouse decide to take a Paris trip to commemorate your 25th wedding anniversary. To safeguard the vacation, you also buy travel insurance.

Six months later, a regular mammogram finds a lump in your breast, and stage 2 breast cancer is the result of this discovery. You have to have radiation and surgery, so your eagerly anticipated cruise will have to wait.

When you’re dealing with a cancer diagnosis, travel insurance with trip cancellation benefits might be really helpful. Travel insurance after breast cancer cancellation benefits can pay you back for your paid, non-refundable trip expenses if your symptoms (or the side effects of treatment) are incapacitating enough to force you to cancel your trip and if your doctor recommends it. In this matter, you can reschedule your Paris trip after your wife has recovered. 

Final Words

As a cancer patient or anyone else with a long-term medical condition, you want the reassurance that if you do fall ill on your holidays, you will get the care and attention that you need – and that the cost of it will be covered by your insurance.

Please remember that travel insurance can’t pay for planned medical expenses. Plus, travel insurance will not pay for elective care, non-emergency care,  experimental treatment, and long-term care in your insurance policy. 

Apart from this, if you have any more questions, you can ask by commenting below. Please share your opinions, if I missed any points to mention here. 

Read Also:

Share on Social Media

Arnab is a professional blogger, having an enormous interest in writing blogs and other jones of calligraphies. In terms of his professional commitments, He carries out sharing sentient blogs.

Leave a Reply

Your email address will not be published. Required fields are marked *

title-img Related

READ MORE Gatlinburg

7 Reasons To Take Your Kids To Gatlinburg

BY  Arnab Aug 22, 2023

With a burst of colors, melodies of chirping birds, and the tender touch of a mountain breeze, Gatlinburg is the picture-perfect postcard town you’ve always dreamt of. It’s a place where nature’s majesty meets man-made marvels, creating a harmonious blend of adventure, serenity, history, and charm. This family-friendly haven in the heart of the Smoky Mountains offers an exciting playground for kids, with valuable lessons waiting to be learned at every corner. It’s time we cast aside the electronic distractions and headed outdoors for good old-fashioned fun and frolic. Dive into this article to discover the top seven reasons why Gatlinburg should be your next family vacation destination. 1. Cozy Corners in Gatlinburg Imagine a wooden cabin with rustic charm, crackling fireplaces, and panoramic views of lush green mountains, the perfect setting for creating lifelong family memories. These cozy cabins offer more than just a place to rest your head. They are a sanctuary for quality time, conversations, and connections, allowing you to unplug from the rest of the world and unwind in tranquility. From story time by the fireplace to star-gazing from the deck, these moments become the highlights of your trip. If you're searching for the best cabins in Gatlinburg, you won't be disappointed with the myriad of options, each promising an unmatched hospitality experience. 2.  Adventure Parks and Ziplines in Gatlinburg No kids or adults, for that matter, can resist the adrenaline rush that Gatlinburg’s adventure parks and ziplines offer. With safety always a priority, these adrenaline-packed experiences are carefully crafted to cater to the young and young at heart alike. Imagine the thrill of swooshing through treetops on a zipline or conquering rope courses at one of Gatlinburg’s top adventure parks. It's not just about the thrill. It’s about building confidence and overcoming fears together as a family. 3. Exploring the Great Smoky Mountains Introducing your kids to the grandeur of the Great Smoky Mountains is akin to presenting them with a key to a treasure chest of natural wonders. Spanning over 522,149 acres, this is home to a vast array of wildlife and vegetation, including black bears, elk, and over 1,800 species of plants. Venturing on hiking trails with a vivid display of wildflowers offers them an enchanting canvas of nature’s artistry. Witnessing autumn's vibrant hues during scenic drives can foster a deep appreciation for nature's transformative cycles. These experiences, rich in beauty and knowledge, stimulate curiosity and create lifelong learners. Each adventure within the Smoky Mountains plays a significant role in molding your child's understanding and respect for the environment. It promotes the idea of preservation, instilling a sense of responsibility towards our planet. The thrill of spotting a white-tailed deer or the serenity of a distant waterfall echo becomes an unforgettable part of their childhood narrative. With their wealth of experiences, the Smoky Mountains entertain and educate, reinforcing Gatlinburg’s standing as an ideal destination for kids. 4.  Gatlinburg’s Historical Attractions Gatlinburg is a tapestry intricately woven with threads of rich cultural history and natural splendor. It offers much more than the eye-catching scenic beauty, standing as a testament to a vibrant historical past. Embarking on a journey through Gatlinburg's historical attractions provides kids with a living history lesson, offering a glimpse into the region's bygone era. Events like the Appalachian folk festival offer an immersion into local heritage through music, dance, and storytelling. Here, kids can not only witness but participate in the preservation of traditions. Exploring Gatlinburg’s historic sites and museums deepens their understanding of the past and enriches their cultural awareness, thus enhancing the value of their visit to this extraordinary town. 5. Gatlinburg’s Aquatic Adventure The phrase 'making a splash' takes on a literal meaning in Gatlinburg, thanks to its thrilling array of aquatic adventures. Navigating through rushing rapids during a white water rafting expedition offers a heady blend of excitement and challenge. For those who prefer a more tranquil experience, lounging in the sun by the pool provides an equally enjoyable alternative.These water activities are designed to cater to all age groups. Older kids can embrace the thrill of rafting, while younger ones will find endless joy at the water parks. Amid these aquatic escapades, the importance of water safety becomes a vital lesson, making Gatlinburg a destination that entertains, educates, and ensures the well-being of your kids. 6.  Craft Communities and Workshops in Gatlinburg The artistic soul of Gatlinburg breathes life into every visitor's experience, further enhancing its appeal as a family destination. Integral to this artistic experience is Gatlinburg's renowned Arts & Crafts Community, the largest assembly of independent artisans in North America. It is a vibrant canvas, an artistic playground inviting exploration and engagement.Participation in kid-friendly craft workshops is more than a hobby: it provides kids with an avenue for developing artistic sensibilities. They can use simple materials to craft unique masterpieces, realizing creativity's enchanting power. These workshops also serve as platforms for artistic appreciation and expression, enriching Gatlinburg experiences with colorful hues of creativity. Related: 4 Must-Go-To Places To Visit In Gatlinburg 7. Gatlinburg’s Dazzling Evenings Gatlinburg takes on a new persona when darkness falls, enchanting all who witness its nocturnal beauty. The city magically transforms, creating a captivating ambiance unique to its nightlife. An abundance of family-friendly attractions come to life during the evening, providing opportunities for bonding and discovery. Immerse yourself in captivating night shows, strolls, and fairs tailored to mesmerize people of all ages. These nighttime activities offer a fresh perspective on Gatlinburg, adding diversity to the unforgettable experiences that make it an ideal destination for families and kids. After a full day of adventure, retreat to the comfort of your cabin as the tranquil Gatlinburg night surrounds you. Gather around the warm fire, sharing stories of the day's escapades. This peaceful conclusion showcases the multifaceted charm of Gatlinburg, a city that continuously delights from morning until nightfall. Conclusion With these impressive insights, we've outlined seven compelling reasons for you and your family to visit Gatlinburg for their next family trip. This charming mountain town surpasses the typical vacation experience by providing numerous opportunities. Gatlinburg provides something for all visitors, so get ready for an enjoyable journey full of discovery and anticipation! Read Also: 4 Reasons You Must Visit Gatlinburg This Summer Tips To Make Your Vacation In Gatlinburg More Enjoyable How To Book Lodgings For A Vacation In Gatlinburg

READ MORE Wrongful Death

Stay Safe While Traveling: A Guide For Tourists On 5 Common Causes Of Wrongful Death Accidents

BY  Ankita Mar 9, 2024

At the end of the day, everyone wants to become a backpacker!  Do you love to travel too?  Well, your choice is not uncommon, but a pure one! In the middle of a competitive modern world scenario, we all try to find the escape route. Traveling is the only solution to find temporary escapism from everyday wear and tear.  The human brain is the most interesting and critical mechanism, and you need to understand that. Your mental peace also depends on your brain functions, which are manipulated by the situations and working process.  For instance, if you are working long hours daily and trying to hold things under your control, things might not work in your way. Yes! You will be financially active, and you may also change your lifestyle the way you want, but do you have the time to cherish the whole? Taking time for an elite detox can help reset your stress levels and improve your overall health Well, this is where your brain gets tired and needs a revamping process to come back strong. Nature is the best solution to deal with all your tiredness and find peace at the end of the day. Well, you are not alone in this mess! Most people in the modern world are frustrated with their daily routines and want to make things better!   However, plan ahead and take additional responsibility if you want to travel to your favorite destination this year. Accidents might happen while traveling. Though avoiding uncertain conditions is impossible, if you try to stay safe, it can be a proper solution to deal with everything.  Importance Of Understanding Common Causes Of Accidents On Vacation  When you are on a trip, you do not know what will hit you and when. If you are on the road, your life is at risk. It is not like if you are in your locality; it will help you stay safe. Accidents can happen to anyone at any time.   Wrongful deaths are very unfortunate, and thus, understanding the causes of wrongful deaths on your vacation is more important.   Why do we choose to discuss a vacation?  Well, we understand your concern and know you do not want to think of the negatives right before you travel. However, we don't mean to make you feel uneasy, but if you don't think of it does not mean it will not happen. There is no surety of it!   So, it's better to understand and be aware of those causes in advance. If you know something is dangerous, you will try to avoid it deliberately. That will also help you understand the situation in advance and take necessary steps, such as hiring Cherry Hill wrongful death attorneys!  1. Transportation Accidents  Transportation mishaps are one of the most common causes of wrongful death accidents on vacation. No matter how cautious you are, accidents can still occur during travel, which can lead to devastating consequences.  Whether you are involved in a car crash, a boating incident, or a tragic plane crash, the outcomes can be catastrophic. Even the most careful drivers can become victims of transportation accidents due to the mistakes of others on the road.  Therefore, it is important to take extra precautions while traveling and always be aware of your surroundings to ensure your safety.  2. Water-Related Accidents  Water activities are undoubtedly one of the most popular things to do during vacations. However, it's essential to take safety precautions seriously, or else they could pose a significant risk to your life.   One of the most significant causes of wrongful death during vacations is drowning, which often happens when people take water-related activities lightly. Therefore, it is crucial to be aware of the dangers and take necessary precautions to stay safe.  3. Accidents In Tourist Attractions  Tourist attractions, from theme parks to historical sites, can sometimes be the site of unfortunate accidents leading to wrongful deaths. These incidents can occur due to inadequate maintenance, negligence, or unforeseen circumstances.   While visiting tourist attractions, it's essential to stay alert and abide by the safety guidelines provided by the management.   It's also crucial to keep an eye on your surroundings and to report any potential hazards to the authorities.   Remember, safety should always be your top priority while traveling!  4. Accidents In Unfamiliar Environments  Exploring new destinations is undoubtedly an exciting experience, but it also means encountering unfamiliar environments and situations. It's easy to underestimate the risks associated with a new environment, such as slippery sidewalks or wildlife encounters. Accidents can happen when you least expect them, and it's crucial to take precautions to keep yourself and your family safe.  One of the best ways to stay safe in an unfamiliar environment is to understand the local environment and potential hazards. Research the destination ahead of time, and be aware of any safety concerns or warnings related to the area. For example, if you're traveling to a coastal region, you should be aware of the potential risks associated with rip currents or dangerous marine life.  When you arrive at your destination, take the time to familiarize yourself with the local environment. Pay attention to the terrain, weather conditions, and any potential hazards. Be aware of your surroundings and avoid risky behavior that could lead to accidents.  It's also important to pack appropriate clothing and equipment for your trip. For example, if you're traveling to a mountainous region, you should pack proper hiking shoes and warm clothing to protect yourself from the elements. If you're traveling to a tropical region, you should pack insect repellent and sunscreen to protect yourself from harmful UV rays.  By taking these simple precautions, you can help ensure a safe and enjoyable trip. Remember, exploring new destinations can be an incredible experience, but it's crucial to prioritize your safety and the safety of those around you.  5. Medical Emergencies  Health emergencies with sudden illness or existing medical conditions may lead to wrongful deaths during vacations. It would be a shame to leave the house with your friends or family only to lose one of them during the trip.   It is essential to take care of your health and be aware of any pre-existing conditions that may require medical attention while on vacation. Make sure to carry all necessary medications and medical records with you.   It's also wise to research the local healthcare facilities in advance so you know where to go in case of an emergency. Remember, taking care of your health is crucial to having a safe and enjoyable vacation.  If you want to create memories, try to cover all these dangers with safety considerations. Research more before you step out for your next vacation.  Read Also: This Is What I Feel About Backpacker Travel Insurance! Travel Insurance: What Is It And Why You Should Get One

READ MORE Use VPN

How To Use VPN To Book Flights & Hotels Cheaper And Save Money

BY  Arnab Jun 9, 2023

Avid travel enthusiasts know the importance of finding the best flight and hotel deals. Spending profusely on accommodation and flights means you will be left with less money for recreation, fun activities, delicious meals, and shopping. Have you considered using VPN for booking flights and hotels? No? This guide tells you how VPN is ideal for helping you find out the best flight and accommodation deals. You can use this travel hack on your next trip. Doesn’t Incognito Mode Work to Lower the Prices? You may see using incognito mode as the number one travel hack. But, in reality, it is only great for hiding your browsing history from other people on the device. You cannot change the IP address in this mode, which is what most hotel, flight, and travel booking sites track. Therefore, to be completely anonymous, you must use a VPN. How VPN Helps in Lowering Flights & Hotel Prices? Airline ticket and hotel booking prices greatly vary depending on where you are booking from. Travel and airlines booking websites use a dynamic pricing model, which means the prices change according to factors such as your purchase history, IP address, ZIP code, browsing habits, demand as well as supply, the Wi-Fi network you are connected to, etc. You can save hundreds of dollars on your next trip by using VPN. You can switch your IP address using a VPN to an altogether different location, which means the websites may appear at different prices according to that location. By changing the IP address, you can receive a cheaper price on hotels and flights if the new destination consists of lower demands and is a low-income country. Furthermore, you can even avail of special discounts for the country from which you are connecting. Discounts might be offered because of country-specific holidays or for seasonal reasons. The plus point is that you can also optimize VPN to search for lower prices on car rentals. Also, using a VPN is a straightforward process. Simply choose a provider and click VPN software download. Then, follow the instructions. More information on how you can use VPN to lower flights and hotel prices is given below. A Comprehensive Guide to Using a VPN Here’s a bit-by-bit guide to learning how to optimize VPN to get cheaper flights and hotel deals on your upcoming trip. Select a premium VPN provider Choosing a reliable and safe VPN provider is the most significant step in successfully executing this travel hack. However, since they are not built in the same manner, you must be careful during a VPN selection. An ideal VPN offers server locations in several other countries, ensuring fast and stable connections. Also, it offers 256-AES encryption and other security protocols like OpenVPN and Wizard Guard. Other standout features include a no-logs policy and an automatic kill switch. A kill switch is essential as it safeguards users’ information if the VPN connection accidentally drops. A no-logs policy is a clear indication that the VPN operator does not keep records of your activities online. So, there’s no record of the IP addresses used by you or the websites you browse to plan your trip. Another essential feature is knowledgeable and responsive customer support, ready to address all your needs 24/7. Position the VPN program After selecting a premium VPN provider, the initial step is downloading and installing the software on your gadget. After that, you can visit the website of your VPN provider and select the best strategy that meets your needs. Then, follow the download and installation instructions. Most VPN providers offer a 30-day trial period with a money-back guarantee. So, you can try the top VPNs before settling for one. Connect to a server of your chosen country Connecting to a server located in a country of your choice is the next step. This step intimidates a lot of people, but it is incredibly simple. Use your VPN to connect to the server country where you wish to visit just like you are browsing the web. For instance, if you wish to book a flight or hotel while appearing as if you are in the Philippines, you need a VPN to a server located in the Philippines. This will make it seem like you are in the Philippines while you are in another country. With most premium VPN services, all it takes is a single click to connect to a server. Then, you can start browsing and find those amazingly affordable deals for your trip. If you are wondering which is the most affordable country to change your VPN server location to, there’s no firm answer. It will depend on your destination and departure date. But some destinations that have proved to be lucky are India, Argentina, Peru, Mexico, Singapore, Australia, the Philippines, etc. So, you may have to play a little by changing locations and then see what lands you the cheapest hotel and flights. Search for flights and hotels Start searching for your flights or hotels after you have connected to your desired country’s server. First, you can try searching on a travel booking site, as this will provide you with multiple flight and hotel options to choose from. Then, try the airline or hotel website directly, as sometimes the prices may differ when you’re booking through a travel site and directly from an airline or hotel website. If you do not find a reasonable price, change the VPN’s country again. Compare prices before booking After you have searched for hotels or flights, you must compare the prices before booking. It would be best if you compared the prices with other travel booking websites to guarantee you get the best detail. If you find the most affordable deal, book it immediately, as the prices may quickly change. Change the location of the VPN to your home country If you have finished booking your flights and accommodation, change the VPN location back to your country. Or, you can continue browsing, choosing any server you want. The Bottom Line If you are up for saving money, try this travel hack for your next trip.  Read Also: Use These Resources When Planning A Big Trip Kiwi Flights Review – Login, Services, And Travel Experiences The Ultimate Guide To Finding Cheap Flights To Chicago Using Google Flights