Breast Cancer Travel Insurance
Tommy has over 15 years experience within the insurance industry, and his primary focus is helping travellers find the right cover for their medical conditions.
Guide to breast cancer travel insurance
If you’ve had a diagnosis of breast cancer, this is something you should mention to your travel insurer to ensure that you do not invalidate your policy.
Typically, breast cancer is not something that is automatically covered and insurers will want to know if you have EVER had a diagnosis, even if it was years ago. This does not mean to say that you will be declined cover or even charged more.
In our experience, it all depends on the stage of your breast cancer and current treatment regime when you apply.
How much does travel insurance for breast cancer cost?
Insurers will want to assess your current health situation in order provide a quote that offers the right level of cover for your individual circumstance, and because everyone is different, there is no set costs for breast cancer travel insurance, and prices will vary from person to person.
Where you intend to travel to can also make a big difference to the cost of insurance. Read our Travel Insurance Destinations Guide for further information.
I’m currently having breast cancer treatment, can I get cover?
That said, providing your doctor is happy for you to travel and you are planning to take your trip during a break in treatment, then it is certainly possible to get to cover. However, under these circumstances, we’ve found that insurers are more willing to offer cover when travelling to areas within Europe as opposed to further afield destinations such as USA, Canada and the Caribbean.
It's unlikely that Annual Multi-Trip insurance that includes cover for breast cancer will be available whilst treatment is planned, and insurers much prefer to offer single trip cover until medical conditions are fully stable.
There are also cover restrictions that you need to be aware of, such as no or limited cancellation and curtailment cover if you receive an appointment or treatment which conflicts with your planned trip, or as a result of the awaited treatment or investigation, you become unable to travel.
Can I travel with metastatic breast cancer?
Sometimes known as ‘secondary breast cancer’, people diagnosed with metastatic breast cancer can travel abroad, and should always declare this at the earliest opportunity before getting quoted on travel insurance policies.
The diagnosis of metastatic breast cancer often inspires people to want to travel more and embark on ‘bucket list’ trips of a lifetime.
As long as your doctor or oncologist permits you to travel, you can attempt to take out a breast cancer travel insurance policy following this type of diagnosis.
Metastatic breast cancer travel insurance can be acquired as long as the insurance provider deems that the risk of any issues taking place aren’t too severe – although you should expect premiums to be higher due to the level of cover they will be expected to provide.
Travel insurance after breast cancer
If you’re treatment has finished and you’ve been given the all clear, you’re probably questioning why you still need to declare breast cancer and if you even need take out cover for a condition you no longer have?
Firstly, if you’re cancer was diagnosed 3 plus years ago with no secondary’s, and you’re not taking any cancer related treatment whatsoever, nor have you seen a doctor about the cancer in the last 12 months, then it’s unlikely that the travel insurance providers on our panel will increase their premiums.
The charity, Breast Cancer Care, also provide some good information about Travelling Abroad With Breast Cancer.
Frequently Asked Questions
We’ll only show you quotes from providers who are able to cover emergency medical expenses (including repatriation to the UK) if you catch the virus whilst travelling abroad.
Some of our providers are able to offer additional cover, such as cancellation cover should you catch COVID-19 or have to self-isolate because of suspected symptoms before departure. We’ll make it clear who these providers are when you’re comparing quotes so you can choose the policy that is right for you.
This doesn’t apply to all insurance providers, so unless otherwise stated, for all other sections of cover, you wouldn’t be covered if making a claim as a result of COVID-19.
If the FCDO are advising against all or all but essential travel to your destination at the time of your trip, there will be no, or extremely limited cover provided by your policy.
You can still choose to take out a policy now for a future holiday, but it is very important to note that if the FCDO are still advising against all but essential travel to your destination at the time of your trip, your cover will not be valid.
Yes, we'll need to know if you or any traveller on your policy has been diagnosed or treated for a cancerous condition within the last five years. But don't worry, we'll ask you a set of questions relating to your condition to take your individual circumstances into account.
It’s easy to tell us about your medical conditions! After you've provided your trip details and answered some medical history questions, you can add your pre-existing conditions, one by one, for each traveller on your policy. You'll only need to enter your details once; everything is online, and there's no need to call or provide written details of your conditions.
Once you've declared all your relevant pre-existing medical conditions, we'll only show you quotes that cover the conditions you have told us about.
No, we are unable to provide cover that excludes any of your pre-existing medical conditions.
If you don't travel much, then a single trip policy is perfect, as you can cover specific dates suited to your trip. If you have cancellation cover, you'll also benefit from this as soon as you buy your policy.
If you travel two or more times a year, it may be cheaper to get an annual multi-trip cover. It's best to start your annual trip cover as soon as possible as if you have cancellation cover, you'll only benefit from this on your policy start date.
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If we're unable to help you find cover for a pre-existing medical condition, the Money Helper Directory has listings of companies that may be able to assist you. Further details can be found on their website.