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

Sep 22, 2022

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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. 

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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.

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These Are The Closest Beaches To Ohio That You Need To Go For A Dreamy Vacation!

BY Sarmind SafiSep 20, 2023

A beach vacation is something we all dream about. The sun, sand, and surf provide the getaway you need for both families and beachgoers alike. The sea will provide you with all the scenic views you could ever be thirsting for. But you might be looking for beaches nearest to your auction, and if your location is Ohio, then we have a list for you to visit. If you live in Ohio then it is indeed tough to plan a beach day Some of the closest beach to Ohio you have are Ocean City, Myrtle Beach, South Carolina, and a few other locations. We will be talking about some of the best beaches that can give you a little joy among all the dreary city days. Top Closest Beach To Ohio These beaches have something for everyone– from sandy shores to family-friendly activities. They will help you make memories while not having to cross too many miles. We are sharing with you some of the iconic beaches in Ohio and how they feel like a daydream! We are sharing with you some of the iconic beaches in Ohio and how they feel like a daydream!  1. Wrightsville Beach, North Carolina This one is a gorgeous ocean beach and the closest beach to Columbus, Ohio, located just out of Wilmington, North Carolina. It is in the vicinity of a college town, and its beach is a popular spot for surfing, with several surf outlets to check out. For families, the Airlie Gardens are more suitable. It offers breathtaking scenery, whereas the Battleship North Carolina has a historic tour enjoyed by families with kids. Leisure calls for good food, and these beaches have plenty of restaurants to try out. There are beachfront accommodations available for a more relaxed holiday with a view of the sea while being the closest beach to Ohio. Distance from Cleveland: 700 miles; approximately 10 hours, 16 minutes Distance from Columbus: 609 miles; approximately 9 hours, 10 minutes There are several watersport activities which range from paddleboarding to surfing, kayaking to SCUBA diving! You can go out to experience scenic harbor cruises, sailing the intracoastal waterway, chartering a boat, deep-sea fishing or private excursion.  You can enjoy a beautiful sunset at the Johnnie Mercers Fishing Pier where you can birdwatch or go out to jog! The beach experience is quite significant especially when you will be magical about it.  2. Atlantic City, New Jersey One of the closest ocean beach to Ohio is Atlantic City, New Jersey. You can reach here from Ohio in under 8 hours. If you looking for a big-city experience, then Atlantic City is your best bet. There are casino resorts that overlook the sealine with 5-star restaurants and high-street fashion boutiques. This place is suitable for all kinds of beach-goers. Surfing and kayaking are some of the activities that you can do when you visit the beach. You can make plans during the summers as this beach is perfect for fishing and windsurfing! If you want adventure as well as entertainment, then all while you are on the beach, AC is the closest ocean beach to Ohio. Events, activities and entertainment are all an integral part of this beach.  If you want to choose hotels on the Beach and Broadwalk, then you can have a go at the Hard Rock Hotel & Casino Atlantic City or the Ocean Casino Resort. Distance from Cleveland: 493 miles; approximately 7 hours, 20 minutes Distance from Columbus: 531 miles; approximately 8 hours, 1 minute There is a huge boardwalk across Atlantic City beach where you can take your children to enjoy! There are different food options such as fudge, saltwater taffy and other food items to try.  There are bars, hotels and casinos illuminating the sidewalk and boardwalk of Atlantic city beach. There are mostly seagulls in and around the beach as there are birds who keep flying around the beach. 3. Maumee Bay State Park Beach (Oregon) One of the other pretty seascapes that is the closest beach to Ohio is this park beach. This park has no entrance fee and, therefore, is quite a popular choice for families. Maumee Bay Beach is the ideal place to spend a sunny day with family and friends. Located in Oregon, it is pretty close (a short drive) to Ohio. The sand is clean and maintained in the premises of this park. The water, too, is warm and clear, which makes it suitable for swimming or playing while waves hit. Family activities such as picnicking, fishing, and hiking are available for beach-goers. Distance from Cleveland: 110 miles; approximately 1 hours, 58 minutes  Distance from Columbus: 150 miles; approximately 2 hours, 45 minutes  If you are wondering if Ohio has any beautiful beaches close to it, then Maumee Bay State Park should be your utmost choice. There is a Maumee Bay Lodge and Conference Center, too, if you are planning to stay over for the night. The beach has a beautiful campground as there are fireplaces along with an indoor pool and lobby. It is a grassy field which is spacious along with foliage covering the space. You can also go biking when you visit this campsite.  It is a popular beach used as a campground close to the lodge and water. There are lodges where helpful staff along with friendly attitude towards the visitors. You can easily enjoy all the activities and services near the beach. 4. Headlands Beach State Park (Mentor) A beach as pretty as Headlands Beach State Park is hard to find. This is one of the best beach in Ohio. It is located on a long stretch of sandy beach on the coast of Lake Erie. It is an ideal place for swimming, building sandcastles, and sunbathing. This beach also allows pets, but they must be put on a leash. There are quite a few picnic tables and grills available that allow lakeside lunch and dinner. Being right next to the Headlands Dunes State Nature Preserve, you can get a little more adventurous and take a hike on the trails through the dunes nearby. Distance from Cleveland: 36 miles; approximately 41 minutes  Distance from Columbus: 170 miles; approximately 2 hours, 33 minutes  This park has the largest natural beach in Ohio. It is a mile long with natural sand while being really beautiful. Considering it is the longest natural beach in Ohio, where you can go for swimming, beach glass hunting and sunbathing. This park has the largest natural beach in Ohio. It is a mile long with natural sand while being really beautiful. 5. Lakeview Park Beach (Loraine) Image Source Another nearby closest beach to Ohio for a family is Lakeview Park Beach. The beach is located on Lake Erie. It offers lots of fun family activities. It has a large playground, picnic tables, and lots of open spaces for families and their kids to play and relax in. The sand here is clean, and the water is equally refreshing. It is one of the most perfect places to soak up the sun and just unwind. Lake Erie is the 4th largest Great Lake and became famous ever since the War of 1812. It is also one of the warmest of the Great Lakes, which makes it ideal for swimming. In winter, however, the lake freezes completely. The water flows through the Detroit River, which comes from the upper lakes. The upper lakes include Lake Superior, Lake Huron, and Lake Michigan. 6. Edgewater Beach (Cleveland) The Edgewater Beach in Cleveland is yet another popular choice for beach lovers in Ohio. It is ideal for families with loads of beach activities to keep every member entertained. The sand is clean, and the water is clear, making it suitable for sunbathing, swimming, and taking in all the incredible views. This beach is known for its picture-perfect sunsets. Off-beach entertainment, such as picnic areas, playgrounds, and a fishing pier, are also present for everyone’s enjoyment. For food and dining, there are many restaurants as well as food vendors all over. For a casual meal, try the burgers and pizza joints in the area to get the local taste. To try something more beachy, there are many seafood and steakhouses around the area. This place is accessible from the lower as well as upper sides of Edgewater Park. 7. Alum Creek State Park Beach (Delaware) Alum Creek State Park Beach in Delaware is one of the best options for free family entertainment that can be counted as one of the closest beaches to Ohio. This park is 4630 acres in size with a wide, sandy beach, which is perfect for sunbathing and having a good time. The water here is shallow and clear, which makes it ideal for swimming or wading. There are also hunting opportunities at this park. Picnic tables and grills are strewn all over to enjoy a waterside meal. There are quite a few bird-watching as well as hiking opportunities at this park. The Falls trail can be good if you are looking for a challenge. This trail takes you to the top of the falls, where a stunning view greets you, featuring the Delaware River. There is also a 14-mile mountain biking trail. Beach volleyball courts also allow you to play a hand under the sun. Restaurants and bars nearby complete the deal. Read More: The Perfect Getaway: Discovering The Closest Beach To Disney World! 8. Ocean City, Maryland Ocean City is a large beach town with a similar vibe to the Atlantic City. There are casino resorts on the Broadwalk with many shopping as well as dining options. The beach is 10 miles long, which means there is not much overcrowding. Several activities for kids, such as mini-golf, go-karts, and much more along the Broadwalk. Moreover, it is the ideal option for all those looking for a beach town that has a little bit of everything. Some of the best hotels in Ocean City are Hyatt Place Ocean City Oceanfront, DoubleTree by Hilton Ocean City Oceanfront, and Courtyard by Marriott Ocean City Oceanfront. Distance from Cleveland: 505 miles; approximately 7 hours, 52 minutes Distance from Columbus: 532 miles; approximately 8 hours, 28 minutes To Conclude When on a quest for closest beach to Ohio and the Ohio beaches you might consider the names above. They are sure to provide you with entertainment and beauty. Going on a vacation to Ohio will create a beautiful experience for you, especially with the wide range of activities.  Starting with hiking to adventures of surfing and swimming, Ohio creates a perfect atmosphere for your entertainment. 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Is San Francisco Safe? THIS is What You Should Know!

BY Sarmind SafiDec 21, 2023

Overall crime rate54 per 1,000 (high)Most common crimePetty theftWorst neighborhoodTenderloinSafety tipDon't go out at night or walk alone Is San Francisco safe? With over 14.8 million visitors in 2021, San Francisco is one of the most popular tourist destinations in the country. As they explore the city's landmarks and neighborhoods, tourists may find themselves overcome by the beauty, history, and attractions of the city. The city's language, culture, topography, and steep hills can make it somewhat difficult to get around on your own. This is all the information one should have before visiting San Francisco for the first time. For example, San Francisco's Mission District is one of the best neighborhoods. Another location that is suggested to visitors is North Beach. Although San Francisco is a lovely and friendly city, first-time visitors should be cautious and aware of their surroundings. There are a few important things travelers should know before departing for San Francisco. 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Maldives’ Luminescent Secret: The Mesmerizing Sea Of Stars!

BY sagnika sinhaOct 9, 2023

Have you heard about the Sea of Stars Maldives? Are you planning your honeymoon and looking for a starry night sky vibe? Please read the article to learn about the magical occurrence and its reason! What can be better than the glowing Island in the Maldives? One of the most beautiful natural wonders, the glowy beach is perfect for visitors and tourists to create a lifetime of memories. Maldives' Luminescent Secret: The Mesmerizing Sea Of Stars! Image Source There are reefs at the beach which show nature at its best! When the beach glows at night, it is a sight to see. It feels magical, especially because you will get privacy at the beach. In the article, I will be talking about why the Maldives Sea of Stars glows! People have still not crowded the place, so book the tickets to Maldives if you plan to travel somewhere this year. Read the article to learn about nearby places you can visit on the glowing Island! About Vaadhoo Island! Image Source Located in Maldives, Vaadhoo Island is a part of another island of Raa Atoll. The Island is quite small, with a population of 500 people! Due to the phenomena of glowing beaches or the Sea of Stars, the Island has become quite highlighted on the global tourism map. It was one of the best-kept secrets of the Maldives, but recently, it has become one of the most sought-after places for tourists worldwide! In 2022, the festive season of the Maldives was welcomed by plankton swarming everywhere! The phenomenon, "Redhan lun," is a powerful force of nature displayed across the Ocean, making the water glow! According to the ancient Maldivians, many stories and folktales respect and revere this phenomenon. The natives consider it an omen of power and majesty of the Sea. Even though the interpretation of the dazzling display, according to the Maldivians, is not as clear, it is quite visibly magical for both the natives and the visitors. The planktons run across the northernmost to the southernmost place of the beach! How Do You Visit The Glowing Beach? Image Source The Sea of Stars vaadhoo Island Maldives is well connected with different parts of Maldives; hence, reaching there is no issue! Male is the capital city of Maldives, and the distance between Vaadhoo Island and Male is 8 km! So, if you are questioning, where is the Sea of Stars located? You are booking a flight, check if it is landing at Velana International Airport, the main airport in Maldives! Vaddhoo Island is quite accessible from the airport as you can hire a speedboat, which will take approximately 15 minutes to reach! When you reach the Island, you will feel as if you have got paradise with its translucent water! The sun setting is another beautiful view you would forever like to keep as memories! It is one experience you must have on your bucket list if you are an offbeat traveler! What Is The Secret Of The Glow? Image Source The shining beach of Vaadhoo has a microorganism called plankton or phytoplankton! These microorganisms radiate under the Sea to glow a vibrant blue light; thus, at night, their glow makes the whole beach shiny and magical! The microorganisms are bioluminescent, and through a chemical process, they create light, making the whole Sea glowy and dreamy! These mysterious and unknown creatures create the natural phenomena of 'Bioluminescence.' It is one visual memory you want to save for the rest of your lives! Looking at the Ocean at night, it seems like all the stars are coming down from the sky, gracing the Sea and the beach! You can easily walk across the beach or swim in the water during this time. Worth it! You can try your luck in the Greater Male area, which is quite underrated. If you want, check out the Planktons; it is a beautiful place to visit at night! What Is The Best Time To Visit Maldives? The best time to visit Vaadhoo Island is during the summer months, between May to November. We are saying this because, during this time, the bioluminescent display is at its peak! People often think the time of the year matters when planning to visit the glowy beach! But it is the environmental conditions, along with the seasonal variations, that matter! To ensure that you check out the beautiful place, you have to calculate the optimal time to visit the beach. The environment influences the Sea of Stars during specific months! During the summer months, the population of the phytoplankton increases and thrives. Your chances of coming across these aquatic microbes increase during this time as a magical symphony of lights is created across the shoreline. Sea Of Stars: Instagramable Place To Visit! Image Source The intensity of the Sea of Stars during summer months increases as the bioluminescent dinoflagellates increase significantly. It is visual to watch at night, especially when the stars above and below create a celestial paradise for you! Imagine you visit the Sea of Stars in Maldives with your partner hand in hand, walking down the shore, or organizing a dinner for your little sister along with your parents on her birthday on the Vaadhoo beach. It is a perfect natural setting for the best people in your life and memories of a lifetime. Check out the instagram account @Vaadhootours, which has beautiful photos of the Sea of Stars! You can have a beautiful picture taken at the beach with stars above your head and below your feet. Rightly named the Sea of Stars, the aquatic microbes ensure their presence is felt! Pictures taken of glowing footprints or scrawls across the glowing sand are perfect pass time for children and even adults! The Sea then washes them away later, and with morning light, the blue fluorescent light fades away. Where To Stay When You Visit Vaadhoo Island? Image Source With the dark sky comes the light and the motion in the turquoise water of Maldives! The Ocean comes alive, which is otherworldly, so to check out the Sea of Stars, you need to book your accommodations close enough to experience the celestial glow of the water. I will tell you five places to stay for your vacation at Vaadhoo Island, and enjoy the heck out of your trip! Velassaru Maldives Image Source Want to experience the local culture? You have to book at the Velassaru Maldives, where luxury is at its best, along with the Gentle sand guiding you to the water's edge. Further, the spectacular view that you will be getting of the water from the property is incomparable. A tropical indulgence, Velassuru is the ultimate property, creating a perfect blend of nature and luxury! Services such as free internet, free breakfast, beach access, airport transportation, and canoeing make the whole deal worthwhile, with charges for rooms below $467.57! Embudu Village Image Source If you want something affordable, opt for Embudu Village at the South Male Atoll. The resort is situated on a private island which is 3 km long, so it is perfect for a stroll across the beach! It is the perfect idyllic natural hideaway if you want some alone time! The lush tropical vegetation, along with white beaches, offer you the ideal backdrop for a vacation. Services available in this 122-room property are airport transportation, baggage storage, spa, canoeing, internet, beach access, and bar! The charges of booking this property vary from $198.12 to $316.06 as it is one of the most affordable resorts available to enjoy the natural beauty of Maldives. There are rooms with private balconies on the pricier side! Taj Exotica Resort & Spa Maldives Image Source If you want to stay in one of the largest lagoons, this is it! The Taj Exotica Resort & Spa Maldives is an award-winning resort as they have created an alternative that combines nature and luxury. Water and beach villas are built amidst the largest lagoon in the Maldives! There are a variety of water treatment rooms along with world-class holistic treatment by Jiva Grande Spa! Charges for the rooms, suites, and villas vary between $683.25 to $893.95 with free high-speed internet, pool, and gym services. Further, you can go boating and have access to the beach and free breakfast! You can also access services such as books, music for the children, movie DVDs, and babysitting! Baros Maldives Image Source Based on 3971 reviews on Tripadvisor, Baros Maldives has been the best as they are rated 5 out of 5! With a shallow lagoon and marine life spread across the reef, this resort is located and the guests get the perfect tropical island experience. The villas are elegant, created with sandstone and timber, peacefully nestled among exotic blooms across the beach. Per night, they charge around $791.32 for rooms as there is a variety, such as suites, non-smoking rooms, bridal suites, and ocean views. Services include free high-speed internet, airport transportation, canoeing, a business center, free breakfast, a gym, and a pool for all guests! Club Med Kani - Maldives Image Source The resort is perfect for unwinding in the Maldives, within 2 km of swaying palms and powdery beach! They have all-inclusive services at the resort, so you can enjoy your stay along with experiencing some of the best underwater adventures, quite exhilarating. Per-night charges for the hotel rooms are $1282.34! Free services provided to the guests are free internet, outdoor play equipment for kids, canoeing, free breakfast, private beach access, a pool, and a fitness center. There are schools of tropical fish, snorkeling, and paddling across the shores that Club Med Kani Maldives Resort offers. There is a wide variety of cuisine, which will make your stay unforgettable! What Other Places You Can Visit From Vaadhoo Island? Image Source Apart from dipping your feet in the glowing Sea of Vaadhoo Island, there are other beautiful experiences that you can attain by visiting different places! On the Island, you cannot miss these natural events or experiences! Baa Atoll Biosphere Reserve Image Source It is the seventh-largest coral reef, with biodiversity shooting through the roof! You will see the plankton flowing through the coral reef, which maintains the food chain in the Baa Atoll Biosphere Reserve, thus sustaining 1200 species of fish. The total area of the coral reef is 139,700 hectares, including 75 Islands in Baa Atoll! Out of the 75, there are only 13 islands inhabited mostly by Maldivians, while there is only one Island with one tourist resort! A variety of aquatic and marine lives. If you look in the water, you will find some endangered species, such as Napolean wrasses, green turtles, tawny nurse sharks, and hawksbill turtles. There are mangroves across all the islands! Thilafushi: The "Rubbish Island" Image Source Maldives attracts 750,000 visitors annually, and this Island is paying the price of that as the rubbish produced by the tourists is all dumped, ditched, and piled like heaps of trash on the smooth white sand and tranquil blue water. The rubbing produced on a per-day basis is almost 3.5 kg! It was initially a collection of shallow coral reefs, but in 1992, the Male government decided to dump all the garbage here; thus, it has been since called the "Rubbish Island"! The land suffered severely from the 330 tons of trash. Then, the garbage excavators, migrant workers, and refuse freighters were used to handle the Island! Over the years, the Island has become hazardous while rubbish dumping has been stopped in 2011! It is a place you can check out if you are an environmentalist and want to make a study out of it. Keahole Point Blowhole Image Source During the winter months, you can check out Keyhole Point, located in Kailua-Kona town, in the western part of the Big Island. Spectators will be fortunate to see the mammalian blowholes, especially because not all are so organically and perfectly made! When the water rushes through the lava tube opening, which the low viscosity pahoehoe lava has created, the spouts of ocean water swell consistently, battering the rocks! Feeling Otherworldly Yet… Now that you know about the Sea of Stars Maldives, you must learn about some safety details! Bioluminescence is a natural phenomenon, so there is hardly any chance of getting hurt! Yet, considering the glowy water is an attraction for people, it can be an attraction for other animals and marine life predators. It is important to understand that even if you live in a resort, you must be careful when visiting the beach! Comment below about your plans to visit the glowing beach and why! 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