Travel insurance

Hi,

I complained to Covermore about being denied cover, explaining that they covered me last year.  I had microscopic spread to 1 lymph node and they claimed that I didn't disclose this last year.  Had I disclosed it they would not have covered me.  I was pretty annoyed, given that I work in insurance (albeit Life insurance) and I'm well aware of the importance of disclosing info.  I went back through all of my emails with them and discovered that they changed their assessment form this year ... last years form never asked me if my cancer had spread.  It just asked about my treatment mainly.  Anyway, so I sent a cranky email along with all my supporting info and within a few hours I had a very nice email offering me cover!  So for $180 they're covering me (which is $120 + $60 loading).

Yay to a Friday win!

Hi,

I complained to Covermore about being denied cover, explaining that they covered me last year.  I had microscopic spread to 1 lymph node and they claimed that I didn't disclose this last year.  Had I disclosed it they would not have covered me.  I was pretty annoyed, given that I work in insurance (albeit Life insurance) and I'm well aware of the importance of disclosing info.  I went back through all of my emails with them and discovered that they changed their assessment form this year ... last years form never asked me if my cancer had spread.  It just asked about my treatment mainly.  Anyway, so I sent a cranky email along with all my supporting info and within a few hours I had a very nice email offering me cover!  So for $180 they're covering me (which is $120 + $60 loading).

Yay to a Friday win!

Hi everyone,

I used Covermore last year when I spent 5 weeks overseas.  They covered me for BC (I finished treatment on July 1st and traveled in Sept). 

I am currently arguing with them now as they have denied me cover for 1 weeks travel next month.  I have pointed out that they covered me last year and they're saying it's because I didn't disclose that I had lymph node involvement.  This is not the case, as I was reviewed by a nurse from Covermore and we went through everything associated with my condition.  I'm digging up all the files on it. 

I'm lodging a complaint if they deny me.  I'm not fussed about getting the cover, it's more about changing the rules.  Its extremely unfair.

Cass

thankswendy for the info, that sounds promising.  I used covermore in November, they wouldnt cover for bc but for another condition I have (factor 5, prone to DVT)  how long is your trip?  Hubby are I are hopefully going to europe in september for 6 weeks, doing the trip we had to cancel last year due to my cancer and chemo.  My diagnosis was 2011 but I will see what they say.

Hi just saw this reply.  We ended up getting travel insurance through our health fund BUPA.  Yes my husband had another DVT return.  We disclosed all to BUPA.  I think the total cover was about $250 for the 12 days away.  It was touch and go (long story) if we actually went on the trip due to my husband's issue.  We saw a specialist (another long story) prior to going and were given the okay to go.  It was a long scarey trip on the plane (thinking about what if) but all was good.  No issues and my husband had more tests on his return.  I am so glad we went as it was a trip of a lifetime - a family wedding and lots of fun.  If you don't take risks then nothing is achieved - however if you put "things" in place then the risks are covered!!!  Enjoy your trip. XLeonie

Hi - I am about to go on the trip of a lifetime and it has been dampened somewhat by trying to organise travel insurance. I have read the postings above and the fact sheet which was really useful. I love BCNA - I don't feel quite so alone with all of this....

I was intending not to tell the insurance company about my 'pre existing medical condition' as my medical team have advised that it is highly unlikely anything would happen related to my breast cancer while I was travelling and in the unlikely event that it did it could wait until I return from my trip. However my GP strongly recommended to take out travel insurance that covers the condition.

So I started to call around the big ones (RAC, HBF, Sure Save) - many were very happy to cover me but not for the pre-existing condition! I finally find Cover More (1300 72 88 22) and after answering some questions they have agreed to provide cover. (FYI - I had breast cancer that spread to lymph nodes and was diagnosed in 2009). Have yet to read the fine print but it is encouraging. It was double the price, just over $500. The peace of mind will be worth it. I hope this is useful to others.

I am travelling to UK, France, Spain and Turkey... je parle un petit peu francais et jádore Paris!

Wendy

Hi - I am about to go on the trip of a lifetime and it has been dampened somewhat by trying to organise travel insurance. I have read the postings above and the fact sheet which was really useful. I love BCNA - I don't feel quite so alone with all of this....

I was intending not to tell the insurance company about my 'pre existing medical condition' as my medical team have advised that it is highly unlikely anything would happen related to my breast cancer while I was travelling and in the unlikely event that it did it could wait until I return from my trip. However my GP strongly recommended to take out travel insurance that covers the condition.

So I started to call around the big ones (RAC, HBF, Sure Save) - many were very happy to cover me but not for the pre-existing condition! I finally find Cover More (1300 72 88 22) and after answering some questions they have agreed to provide cover. (FYI - I had breast cancer that spread to lymph nodes and was diagnosed in 2009). Have yet to read the fine print but it is encouraging. It was double the price, just over $500. The peace of mind will be worth it. I hope this is useful to others.

I am travelling to UK, France, Spain and Turkey... je parle un petit peu francais et jádore Paris!

Wendy

Hi Leonie,  Sorry but I am not following.  Is it $180 for regular travel insurance with westpac?  I dont understand why your GP or specialist would have to fill in paperwork re secondaries if they are not covering  you for the pre exisitng cancer.  I would be very anxious not having cover for a DVT when flying.  I also had a DVT and have injected myself before every flight to reduce the risk.

Hi Leonie,  Sorry but I am not following.  Is it $180 for regular travel insurance with westpac?  I dont understand why your GP or specialist would have to fill in paperwork re secondaries if they are not covering  you for the pre exisitng cancer.  I would be very anxious not having cover for a DVT when flying.  I also had a DVT and have injected myself before every flight to reduce the risk.

Spoke with my credit card bank - Westpac.  Unfortuately the credit card that I have does not automatically cover travel insurance.  However they are doing up a quote for me. He told me that it would be $180 for both me and my husband to cover us for a period of 12 days going to Thailand.  He read part of the policy to me - it was fantastic cover.  I told him that I have secondaries and my husband has just been cleared for DVT.  The only thing I have to do is have my GP or Specialist fill in four questions re the secondaries and "bob's your uncle".  We are not covered for our pre-existing illnesses whilst away but we don't want to be!!!! XLeonie