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Mia_E's avatar
Mia_E
Member
15 years ago

Travel insurance

I have almost finished a year of chemo, I am really well and have had no complications.We are about to take an overseas trip and I am having a hard time finding travel insurance as no one will cover "my pre- existing condition". Have any of you had this problem ? how did you get around it ?. I don't care if my breast cancer is not covered as it's highly unlikley that I would be seeking treatment for it in the few weeks I'm away. But I do want to be covered for everything else. What have you guys done?

Mia .E

19 Replies

  • We are travelling o/s next February and I will be booking the flights next week.  I did look into this earlier in the year.  Just to add a bit more info.  My health insurance company (MBF/BUPA) said that they would insure me (just do it a couple of months in advance to travel).  Also my friend got her insurance through her credit card bank. (she has secondaries) when she travelled to England and was away for a month.  It is worth checking out.  Apparently they have a criteria (based on what your usage of the card). XLeonie

  • Hi , thanks for your info. I ended up getting my travel insurance with NIB as they are my health fund.and knew about my pre-existing condition. It didn't cover my condition but covered everything else, but I had to pay $648 for myself and my husband, which is a lot more than I would have had to pay if I didn't have breast cancer. They would have covered the condition if I had had no treatment in the last 12 months, but as that was not the case I paid extra. Doesn't seem fair to me as nothing would go wrong relating to by cancer while I was away anyway, but that's the way it is with insurance companies they get you coming and going!

    Cheers Mia

  •  

    I realise this question is 7 months old but thought this info might be of help to other travellers.

    I have just had a 2 month battle with southern cross re having to cancel a trip due to diagnosis and treatment for breast cancer and would never insure with them again.  I was diagnosed with bc after taking out insurance for an O/S trip and they tried to say it was pre-existing.  Sure it was obviously growing but for how long who knows.  I have another trip booked in a few weeks and have taken cover with covermore.  Wont be covered for anything to do with bc but it seems to be the best I could find in regard to other things.

    You shouldnt have any trouble getting travel insurance to cover unrelated things like lost luggage, delays, falling over and breaking your leg, as long as it isnt related to breast cancer.

    One positive with covermore is that they will cover for b c if you have not had any treatment chemo/radio in the previous 6 months and the cancer had not spread to anywhere other than the initial site.  i dont qualify as I had LN invasion but for those lucky enough to have just had it confined to the breast I suggest you check out their  policy,  With all the women out there getting b c diagnosis surely there is a travel agent / insurance agent who could give us all a bit of help here.   Advise from someone in the "know" is invaluable.  Trouble is we wont know how good an insurance policy is until we need to claim on it.  I went with southern cross as I thought being an aussie/nz company I would stick with the locals and their policy seemed easy to follow.  Good luck everyone wanting to travel - there is life after b c it's just made extra difficult for us, but we are strong and we will survive!!!

     

     

  • I took a trip to new Zealand in Feb right after I had finished radiation I took out travel insurance more for problems with flights than the health side as  I am an NZ resident.  I used Southern Cross Insurance they are on-line www.scti.com.au I think that's the website. I am sure it said you're not covered for any pre-existing conditions if you don't inform them so I didn't!! Obviously I was lucky and not far from home and all went well.

    Good luck and let us know how you get on

    Sarah

     

  • Ok Thank you, I will go into our local branch and see them, probably better than giving them a call.

    Mia  xx

  • Hiya, Give them a call or go into your local branch that know you. I have had no problem getting travel insurance for our planned holiday O/S in August by going through my existing health fund who have paid for all my treatments/ops etc. So they know about pre-existing but has not been raised as an issue....

    Ree  xxx

  • Hiya, Give them a call or go into your local branch that know you. I have had no problem getting travel insurance for our planned holiday O/S in August by going through my existing health fund who have paid for all my treatments/ops etc. So they know about pre-existing but has not been raised as an issue....

    Ree  xxx

  • Hi 

    Yes I do have private insurance, they still will not cover it , but I have only tried online so maybe I should give them a call.

    thanks for your interest

  • Do you have private health insurance?  My Mum had trouble sourcing other travel insurance but was fine getting travel insurance through Medibank as she was covered with them for her BC and other conditions.