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

Sep 22, 2022

Last Updated on: Jul 1, 2023

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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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Unforgettable Island Adventures: Things To Do In Tenerife

BY Sarmind SafiNov 24, 2023

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

BY ArnabJun 9, 2023

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10 Best Places To Travel In April – Travel Guide 2022

BY Mashum MollahApr 13, 2022

“If you want to enjoy the weather dripping in blossoming spring, April is the king.”  Have you been dreaming all these years to set out on a quest all alone? Has the pandemic broken you into pieces and you are desiring to heal now? Have you lately found your soulmate or a life partner and are up for making some fondling memories together? Well, many questions, one answer- Travel!!! Remember, the number of times you pack your bags and step out of your den, nature gives you a chance to find yourself. So, waste no more time and read this article. Here, you would come to know about some of the best places to travel in April. If you are based in the US, choose April to get out and explore some cities as a newborn baby breathes in the air of this earth for the first time. Trust me, you get this life only once and this planet is so huge that you might not be able to explore it fully in a lifetime. Then, why not a minor step? 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So, you can obviously consider it as one of the best places to travel in April. How To Reach: By Air: Regular flights to Dublin are available from Washington D.C, New York, and Chicago. Activities To Do: Explore the major tourist locations of the city like Dublin Castle, Guinness Storehouse, and Kilmainham Gaol.  Visit the Dollymount Storehouse. Watch a music concert in any of the classic theatres in the city. Do not forget to chug a pint of beer in an Irish Pub. Dishes Not To Miss: Irish Stew, Coddle, Pancakes, Soda Bread 2. Kyoto - Japan Overview: April marks the onset of summer in the northern hemisphere of the earth. So, you can easily make a plan to visit the countries that lie in the frigid zone. Well, Kyoto in Japan is one such city you should not miss. It backs a place in this list of the best places to travel in April for it its enriched history and natural beauty. On a visit to Kyoto in April, you can find a lot of Cherry blossoms all over the city. So, it would be a magnificent sight to see nature playing with the blue and scarlet hues. As per the Japanese people, you can always expect a friendly approach. You can make friends with someone to explore the city. How To Reach: By Air: You can get flights to the Osaka International Airport and Kansai International Airport from all major cities in the US. By Road: Public and private transport means are well available to reach Kyoto from the airport.  Activities To Do: Explore the city and check out the gardens, pagodas, and houses. Visit the locations like Kinkakuji Temple, Nijo Castle, Fushimi Inari- Taisha Shrine Try local cuisine in Kyoto Dishes Not To Miss: Kyoto Style Ramen, Nama-Fu, Soy Milk Doughnuts 3. Florence - Italy Overview: Are you all set to get out for a romantic trip this April but have already done with Paris and Venice? Well, Florence can be a savior in this case. Like most other cities in Italy, you can feel the romance in the air. You can still feel the presence of Micheal Angelo in this city. As one of the best places to travel in April, you can start planning for your couple's trip to Florence right now. How To Reach: By Air: You can catch any flight leading to the Florence Airport from any major city in the USA. Connecting flights are also available. Activities To Do: Indulge in city sightseeing while in Florence and visit the locations like Santa Maria del Fiore and Palazzo Vecchio. Do not forget to listen to local music. Try some of the local bakeries and cafes. Dishes Not To Miss: Crostini Neri, Zuccotto, Bistecca Alla Fiorentina 4. Bali - Indonesia Overview: Bali in Indonesia is one of the most alluring summer destinations you can think of. So, you can consider it one of the best places to travel in April 2021. Well, nothing has really changed this year.  You can best explore the serenade beaches of this little country in April. Moreover, you can have a blast with your friends or spend some quality time with your partner. Skip this place if you are about to go solo as you might not enjoy the thrill. How To Reach: By Air: Several airlines conduct regular flights to Bali from all major cities of the US. You need to land at the Denpasar Airport. Activities To Do: Explore the island for locations like Tanah Lot Temple, Besakih Temple, Ubud Art  Market, Kintamani, etc.  Do not miss the Seminyak shopping. Go Surfing on the beaches of Bali. Visit the Bali TreeTop Adventure Park. Dishes Not To Miss: Some Indonesian duck dishes, Bubur Ayam, Nasi Goreng 5. Athens - Greece Overview: The weather in Athens, Greece always remains favorable for tourists. So, it can be one of your easiest picks when it comes to the best places to travel in April. During this time, the day temperatures remain mild and the evenings turn cool yet comfortable. Another excellent fact about Athens is its flavor. You can get three distinct flavors of this city depending on the type of trip. So, you can always plan for a solo trip, a friend’s trip, or a romantic getaway with your partner. One of the most vital things to do to reach out to Greece is get a good travel agent. So, you should keep searching for it. How To Reach: By Air: Any flight on a non-stop/one-stop basis leading to Athens International Airport can be the best way to reach this alluring destination. Activities To Do: Visit the Acropolis and the  Ancient Agora of Athens. Do not miss witnessing the Parthenon Ruins. Spend time in a few Greek museums. Try eating the local dishes in the local cafes. Dishes Not To Miss: Mousakka, Saganaki, Bougatsa 6. Washington D.C - USA Overview: If you are just reluctant to plan a foreign tour in April, let me remind you that you are not alone. Well, Washington D.C is one of the leading states that turns vibrant during the month of April. At this time, the spring season is at its peak. So, you can include this place in the best places to travel in April. So, you can easily plan a trip to the state as it is one of the best places to travel in the US in April 2022. All you can do is catch a flight to tear apart the highway with your car to reach here. As you would celebrate the spring, expect the Washington Harbour to add magnificence to your trip. How To Reach: By Air: There are a lot of domestic flights from all cities of the US to Washington D.C. By Car: Follow the highway routes of I-270, I-95, I-66, and US Highway 50 to reach Washington D.C. Activities To Do: Spend time at the National mall Explore The Eastern  Market. Do not miss witnessing the National Gallery of Art. Reach out to the Heurich House Museum. Dishes Not To Miss: Avocado Toast Dinner, Saganaki, Super Grilled Cheese 7. Agra - India Overview: South Asia might seem to be far away but it is well connected with the USA. Well, at least India is.  If you have still not picked up one of the best places to travel in April USA, Agra can be the best destination. However, this is the place where you should always reach out to your partner. It homes the Taj Mahal which is the best sign of love on this planet. Moreover, you can find a lot of other locations and buildings with magnificent Mughal architecture. Lastly, keep in mind that April in India marks a prominent summer, so you can take light cotton clothes for the trip.  How To Reach: By Air: Any flight to New Delhi would be appropriate to reach Agra easily. By Car: Book a bus or a private cab from New Delhi to Agra. Activities To Do: Witness the places like Taj Mahal and Fatehpur Sikri in Agra. Indulge in shopping from the local markets Taste some spicy and sweet Indian dishes. Dishes Not To Miss: Mughal delicacies, Bhalla, Jalebi 8. Sydney - Australia Overview: If you are a travel freak who desires to shift from the spring to the fall season, Sydney can be the best destination for an April trip. You can expect the weather to turn cooler in Sydney at this time. So, do not forget to take some woolen and jackets with you. An April trip to Sydney can be the best if you are planning to go solo or with a set of like-minded friends. At this time, the tour season of Sydney comes to an end and you can expect to get hotels and tour packages at a cheap rate. It can sure seem that Sydney is truly one of the best places to travel in April. Make sure you check out all the locations around the city. As a means of transport, you can either take a private cab or a bus. Moreover, the nightlife of Sydney is something to die for. As a result, you should never miss a chance to enjoy it to the edge. How To Reach: By Air: Nonstop flights from several cities in the USA are available that bounds to the Sydney International Airport.  Activities To Do: Witness a show at the Sydney Opera House. Spend Some time by the Sydney Harbour Bridge and admire its magnificence. Visit Hyde Park and spend some quality time. Hopp around the Coogee Beach, Manly Beach, and Bondi Beach in Sydney. Dishes Not To Miss: Barramundi, Sydney Rock Oyster, Potato Cake, Beacon, and Egg roll 9. Amsterdam - Netherlands Overview: The Netherlands is one of the countries in Northern Europe and the winter is ice chilly here. Well, you would not need that piece of information as the city would not come on the list of the best places to travel in January. In April, you can experience a colorful spring while being in the city. So, why not pick this place for your next trip this month? It is really one of the best places to travel in April. The city turns quite picturesque in the month of April as you can witness a lot of flowers blooming here at this time. Moreover, you can be here on the 27th of April which is King’s Day. While on a trip to this place, you can always get a glimpse of Dutch culture. How To Reach: By Air: You can reach the Amsterdam International Airport from any major city in the US. Activities To Do: Visit the famous tourist spots in the city like the Ann Frank House, Rijksmuseum, and the Van Gogh Museum. Experience a boat ride in the canals of the city. Explore the unique markets of Jordaan. Dishes Not To Miss: Dutch Pancakes, Jenever, Raw Herring 10. London - England Overview: If you are based in the US and desire to witness England, April is the best month you can plan a trip. The best you can do is purchase a flight ticket early as April marks the peak tourist season in London. Now, when it comes to the best places to travel in March, you can consider this destination also. However, the temperatures in London remain quite chilly during this time. You can freely roam about the streets in the capital city of England and witness some world-famous locations like the London Eye and Big Ben. How To Reach: By Air: Regular flights are there leading to London from some of the main cities of the USA. Activities To Do: Witness the Kew Gardens Richmond Parks and Hyde. Witness the Tower of London and the Kensington Gardens. Get on the London Eye. Dishes Not To Miss: Fish and Chips, Sunday Roast, Bangers, and Mash Frequently Asked Questions (FAQs): 1. Where Do You Fly In April 2022? You can fly to Australia or England in April 2022. 2. Where Is It Best To Travel In April? You can travel to a city or hill station in April. 3. Where Should I Vacation In Summer 2022? You can go for a summer vacation in  India or Bali. 4. Where In The Us Is It Warm In April? States like Florida and New Mexico are warm in April. 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