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

Sep 22, 2022

Last Updated on: Jul 1, 2023

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 passionate blogger. He shares sentient blogs on topics like travel, health, lifestyle etc. If you want to read refulgent blogs so please follow Tour And Travel Blog.

Leave a Reply

Your email address will not be published.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

title-img Related

READ MORE Yacht

10 Reasons Why You Should Get A Yacht In 2024

BY ArnabSep 28, 2022

If you consider yourself a boat enthusiast and have been planning to get a yacht for so long, perhaps this is the perfect time to fulfill that dream. Since the pandemic, there has been an unexpected increase in demand for boats, which is unlikely to go down soon. If you are not going to start taking advantage of your time and energy today to enjoy life, when will you wait? Here Are The Top Ten Reasons Why You Should Get A Yacht In 2024: Whether a first-time buyer or an experienced boat-lover, you will want to read this article. We will discuss why this is the perfect time to get a yacht. Let’s go straight to it! 1. Enhances Happiness These days, people are becoming more workaholics than ever, which is not at all beneficial. The constant stress from pressure, traffic, toxic environment, and screen time can significantly cause mental and physical health decline. Humans don’t realize it until they are already in the worst state of well-being. Spending a few days or weeks away from work is a great way to unwind and find things that make you feel alive again. If you love boats, getting a yacht will be a good distraction from worries. You can also use it to enjoy the ocean and do relaxing activities with your family. 2. Helps exercise your body When you are boating, you don’t just spend all of your time lounging under the sun. You will also do some cleaning, supply loading, towing, and launching. These things can be good for your muscles, as they help keep your body healthy. When you are in the water, swimming and water sports are also great examples of cardio exercises. Even if you are not actively working out, such small actions are enough to keep your muscles in place and strong. 3. Feel comfortable away from home Owning a yacht is like having another house on the water. Most boats have great features and amenities that cater to large families for vacations, parties, and weekend getaways. Sometimes, it can be scary to stay in a new environment. If you have a yacht, you don’t have to worry about that because the whole place is yours. You can even move it around the ocean and find a place where you can enjoy the view and time with your family.  You can try checking out the yachts available in Simpson Marine, as they have a wide selection that you can choose from.  4. Learn new skills No person learns about boating from just research. It takes real experience to master such things, and you can only achieve that by working on an actual yacht. You can hone your skills in essential maintenance, fixing faulty wirings, and the overall operation on board in different weather conditions. 5. See the world from a new perspective There’s something magical about being in the ocean that you wouldn’t find anywhere else. It’s like a whole other world, filled with marine animals and unique beauties. If you own a yacht, you have the freedom to explore your surroundings and find new things along the way. You can visit secluded islands, hidden coves, secret beaches, and more that are not usually accessible by land travel. 6. Make friends There is a whole community that loves yachts as much as you do. Meeting new people with the same interest and passion can be fulfilling and gives a sense of belongingness. If you’re lucky, you can even make friends that you can rely on for a long time, especially with things related to yachts. 7. Opportunity for business Aside from getaways and quick vacations with friends and family, you can use your yacht for a charter, just like this Key West Yacht Rentals. This way, you can earn money for maintenance and even get a portion of what you initially paid. This is an excellent opportunity if you don’t necessarily spend most of your time on board.  8. Privacy It’s okay to enjoy little vacations every once in a while, but other people can sometimes ruin it for you. Owning your boat means privacy. You don’t have to spend your time around people you don’t know, and you can also choose the people you want to sail with. Also, you can do whatever you want because the whole yacht is yours! 9. Social distancing Even if it is not for the pandemic, it’s okay to distance yourself from the real world when needed. You can use the time to do things you love or even discover new things about yourself.  10. Morale boost If there is a most important reason to get a yacht today, it is the fact that you deserve it. If you have the budget right now, then that is because you worked hard. It is okay to reward yourself if that is what your heart truly wants. You should start living your life today however you want to. Read Also: Speed Boat Miami Tour – Sightseeing And Entertainment Discover Paradise On A Seychelles Yacht Charter Where To Stay In Key West? – Travel Guide

READ MORE

Holding Aircraft Makers Accountable For Aviation Accidents

BY Ankita TripathyFeb 1, 2024

Amidst the vast expanse of our skies, aviation accidents cast a chilling shadow. Thus, leaving a trail of human tragedy and societal impact. In the wake of these disasters, a crucial aspect comes to light – holding aircraft manufacturers accountable. This responsibility is paramount, not only for compensating victims but also for upholding safety standards and preventing future calamities. From flawed wing designs that compromise stability to faulty wiring sparking infernos. A manufacturer's misstep can trigger a domino effect of disaster. Weaving through meticulous investigations, forensic teams sift through the wreckage, scrutinizing maintenance records and dissecting blueprints with laser focus. Each bolt, each wire, each line of code becomes a potential clue in the hunt for the smoking gun. The evidence that definitively ties the accident to a manufacturer's error. Expert witnesses take the stand, demystifying technical jargon and translating the whispers of metal into a language. The jury can grasp, piecing together the tragic puzzle that led to the final, irreversible plunge. But the legal currents run deep and complex. Different jurisdictions, intricate treaties, and the shadow of the General Aviation Revitalization Act, shields manufacturers from certain responsibilities. It is more about for older aircraft, add layers of nuance to the pursuit of justice. It's a legal labyrinth where seasoned navigators, armed with meticulous evidence and unwavering resolve. This guide victims' families through the maze, seeking not just financial recompense. However, a deeper accountability that echoes beyond the courtroom walls. This is where the quest transcends mere compensation. Every life lost, every plane grounded, serves as a stark reminder of the responsibility aviation giants bear. Regulatory sanctions, mandatory design modifications, and the sting of public scrutiny push them to constantly innovate. They also prioritize safety, and strive for skies free from the specter of preventable tragedy. In holding them accountable, we send a resounding message! The safety of those who entrust their lives to these intricate machines cannot be compromised. Every flight, every passenger, every journey toward the boundless horizon deserves the unwavering commitment. The promise is to safety that only true accountability can foster. Building A Case For Accountability In the aftermath of an aviation disaster, grief hangs heavy, obscuring the path to justice. But beneath the shattered fuselage and the deafening silence, a meticulous dance begins. Forensic teams, like forensic archaeologists of the sky, descend upon the wreckage. Their mission etched in their gaze: to unearth the truth buried beneath the tangled steel and shattered dreams. Their tools are not trowels and brushes, but advanced scanners, meticulous record-keeping, and the keen eyes of trained investigators. Every scorched fragment, every twisted wire, every warped piece of metal becomes a cryptic message. Whispering clues about the final moments of the doomed flight. Maintenance records are devoured, and scrutinized for missed repairs or overlooked defects. Design blueprints are pored over, searching for potential flaws that may have escaped the initial scrutiny. But the truth rarely lies alone. Weather patterns, pilot actions, and unforeseen external factors can weave a tangled web of contributing factors. Expert witnesses, the alchemists of technical jargon, step into the fray. Through simulations and intricate analyses, they translate the whispers of engines. Additionally the groans of metal into a language the legal system can comprehend. It meticulously dissecting the symphony of events that led to the final, heartbreaking crescendo. Challenges Proving negligence, the legal cornerstone of manufacturer liability requires meticulous precision. According to the commercial airline accident lawyers at PSR, each piece of evidence. It must be a carefully placed tile in a mosaic of blame, demonstrating a direct link. It is between the manufacturer's misstep and the catastrophic outcome. Yet, the challenges loom large. Complex aircraft systems, the unpredictable nature of flight, and the potential for human error can cast long shadows of doubt, obscuring the manufacturer's role. In this intricate pursuit of accountability, no detail is insignificant. From a seemingly unremarkable bolt lodged in the wrong place to a misplaced decimal point in a software code, every anomaly holds the potential to be the missing piece, the key that unlocks the door to justice. It's a painstaking process, demanding tenacity, meticulous attention, and a relentless pursuit of the truth, no matter how obscured it may be by the fog of tragedy. Navigating The Legal Landscape The quest for manufacturer accountability in aviation accidents soars beyond the wreckage, traversing a complex legal landscape where international treaties, domestic statutes, and intricate regulatory frameworks intertwine. This labyrinthine domain is not for the faint of heart, demanding the skills of seasoned navigators equipped with unwavering resolve and a deep understanding of the legal currents that flow between airspaces. One cannot overstate the influence of international treaties, such asthe Montreal Convention, in shaping the legal terrain. These agreements establish the boundaries of manufacturer liability across borders, ensuring victims receive fair compensation regardless of where the tragedy unfolds. Yet, within these overarching frameworks lie domestic laws like the General Aviation Revitalization Act, which casts a protective shadow over older aircraft models, limiting the scope of potential liability. In the United States, navigating the intricacies of product liability law becomes paramount. Plaintiffs must meticulously weave a web of evidence demonstrating the manufacturer's negligence, proving that a design flaw, manufacturing defect, or inadequate warnings directly contributed to the accident. Expert testimony becomes the compass, guiding juries through the technical complexities and translating the whispers of engineering into a language they can comprehend. But the legal compass rarely spins unchallenged. Manufacturers, armed with teams of lawyers and technical experts, often invoke alternative explanations, casting blame on pilot error, unforeseen weather events, or even maintenance lapses. This legal tug-of-war demands meticulous attention to detail, a relentless pursuit of every shred of evidence, and the unwavering tenacity to stand firm against a formidable opponent. Read Also: The Promise Of Tomorrow As the echoes of accountability fade into the boundless expanse above, we stand at a crossroads. Behind us lies the wreckage of past tragedies, each a stark reminder of the responsibility we bear towards those who entrust their lives to the wings of aviation. But before us stretches a vast horizon, painted with the promise of a safer future, born from the tireless pursuit of justice and the unwavering commitment to prioritize humanity above all else. This journey wouldn't have been possible without the courage of victims' families who dared to stand against seemingly insurmountable odds, their voices rising above the din of grief to demand change. And lastly, it wouldn't have been possible without the unwavering resolve of the aviation industry itself, recognizing the transformative power of responsibility and embracing the need for continuous improvement. This collective effort, this symphony of change, serves as a powerful testament to the human spirit, its ability to rise from the ashes of tragedy and soar toward a brighter future. Read Also: 5 Reasons To Consider Solo Travel A Traveler’s Guide To Lutsen The Best Tips To Travel Around The World

READ MORE Must-Visit Vacation Spots For Nature Lovers

8 Must-Visit Vacation Spots For Nature Lovers

BY Ankita TripathyDec 8, 2023

Are you planning a vacation to disconnect from the hustle and bustle of daily life and enjoy the tranquility nature has to offer? Do you love hiking amongst nature, savoring every moment? Well, it is time to plan the most amazing vacation of your life. Nature is like a giant spa for your soul. The soothing sounds of rustling leaves and chirping birds serve as nature's own ASMR, washing away the stress of city life. Plus, no spa music playlist in the world can compete with the Symphony of Nature. The peaceful and calming environment can definitely also help reduce stress and anxiety. From Iceland to the Amazon Forest in Brazil, the options are endless. However, if you prefer the perfect blend of nature and city life, Tennessee is your go-to spot. From hiking in the Great Smoky Mountains and camping under the stars to enjoying the adrenaline rush that the rollercoasters at Dollywood have to offer, it is the best of both worlds. So, if you're tired of the concrete jungle and yearn for a taste of the great outdoors, you're in the right place. Strap on your hiking boots, grab your binoculars, and let's embark on a tour of must-visit vacation spots for nature lovers! The Great Smoky Mountains  Leave your rolling office chair behind and embark on a hike through the diverse and dramatic terrain of the Smokies. Choose from the plethora of trails that cater to all skill levels, from easygoing walks to advanced climbs. You can also escape the city lights and experience the awe-inspiring night sky in all its glory. Grab a telescope and seek out constellations, planets, and shooting stars. The fun doesn’t end here. You can make a list of fun things to do in the Smoky Mountains and plan a vacation with Mother Nature. Not only will you find nature, but you will also find the most amazing shopping experience and southern BBQ that will have you come back for more. Iceland - Where Nature Makes You Question Reality! Iceland is a surreal destination that boasts geysers and the Northern Lights. Keep an eye on the aurora forecast, and when the conditions are right, venture away from city lights for a celestial magic that will leave you spellbound. Iceland is also a waterfall wonderland, and you can't visit without seeing some of its breathtaking cascades. Skógafoss, Seljalandsfoss, and Goðafoss are just a few of the Instagram-worthy waterfalls waiting for your lens. Banff National Park, Canada  Picture this: Towering snow-capped peaks, crystal-clear glacial lakes, and wildlife that roams as freely as your spirit in this untamed paradise. That’s the national park of Canada! You can start your Banff adventure with a road trip along the Icefields Parkway, often dubbed one of the world's most scenic drives. Also, the only traffic jam you'll encounter here is caused by curious elk. You can also paddle your way along the Bow River for a peaceful escape and a different perspective on the park. With the mountains as your backdrop, you'll feel like you're in a Group of Seven painting – just don't drop your paddle trying to capture that perfect Instagram shot! Amazon Rainforest, Brazil - The Real Jumanji Adventure! Ever dreamed of swinging through the trees like Tarzan? Head to the Amazon Rainforest for a chance to encounter exotic creatures and vibrant plants. Hop aboard a canoe and cruise down the mighty Amazon River, the lifeblood of the rainforest. You will witness river dolphins frolicking in the water, making your heart jump with joy. Remember to also keep your eyes peeled for caimans sunbathing on the riverbanks. It's a boat trip like no other! Feel free to channel your inner Indiana Jones as you embark on treks through the lush rainforest. Hike along ancient trails, learn about the secrets of medicinal plants, and savor the peace Mother Nature has to offer. The Amazon comes alive after dark! Join a night safari to witness the jungle's nocturnal creatures. You can spot tarantulas, tree frogs, and maybe even the elusive jaguar. Well, after going through real adventures in Brazil, you might want to settle your business there! Would you like to? Well, being a part of the Rainforest adventure is not that difficult if you are starting a business there! From getting the visa to establishing your presence, everything will be super easy with this trick. Peru: A Journey Through Time And Terrain Peru is one of the world's mega-diverse countries, home to an amazing variety of ecosystems, from the Amazon Rainforest to the high Andes Mountains and the coastal deserts. If you love architecture and ancient civilizations, head towards Machu Picchu and Inca Heritage. While known for its archaeological significance, Machu Picchu is also surrounded by stunning natural beauty. The ancient ruins are perched atop lush green mountains, making it a dream destination for hikers and lovers of scenic landscapes. Costa Rica If you think Costa Rica isn’t a nature’s paradise, you couldn’t be more wrong. Despite its small size, Costa Rica is considered one of the most biodiverse places on Earth. Costa Rica's rainforests are teeming with life. You can explore the lush canopy and discover diverse flora and fauna, from howler monkeys swinging in the treetops to vibrant orchids and bromeliads. From cloud forests to mangroves, Costa Rica's diverse ecosystems offer a wide range of experiences. Alaska  Alaska boasts some of the most untouched and pristine wilderness on the planet. Vast stretches of land are devoid of human development, offering an unspoiled natural experience. If the intent of your vacation is to avoid unnecessary human interaction, Alaska is your go-to spot. From towering snow-capped mountains to dramatic fjords, Alaska's landscapes are breathtaking. Explore the rugged terrain of Denali National Park or cruise along the Inside Passage to witness jaw-dropping vistas. Cappadocia, Turkey Cappadocia is famous for its heavenly landscape, featuring fairy chimneys, rock formations, and cave dwellings. This city is renowned as one of the world's best hot-air ballooning destinations. Soar above the surreal landscapes at sunrise to witness the area's beauty from an unparalleled vantage point. The region also offers multiple options of hiking trails, from gentle walks through valleys to more challenging treks. Explore the Rose Valley, Pigeon Valley, and Love Valley for a close-up experience of Cappadocia's geological wonders. Conclusion  Ready to pack your bags and explore these incredible destinations? Whether you're into majestic landscapes, exotic wildlife, or just want to escape the daily grind, these spots are a must for any nature lover. So, grab your hiking boots and a camera to capture the jaw-dropping marvels of nature. Read Also: Must Pack Business Travel Packing List Along With Tips Traveling During Winter? Here Is A Winter Vacation Planning Checklist Why Travel Trailers Are The New Vacation Norm