Forum Discussion
Travel Insurance
Hi,
Has anyone had any luck with getting travel insurance for BC treated within the last two years?
We want to travel to the States later this year.
My wife had surgery over 12 months ago but there are very few who will insure her and then its so expensive. I have found two companies but price ranges from $900 to $2300. I just don't understand the risk but not prepared to go without.
Comments / feedback will be appreciated.
Cheers
26 Replies
- I've got a corporate policy through work with Zurich. I'm not sure if they offer standard travel insurance but I'll check some of the companies out on Monday and let you know who offers what. I know AIG are pretty good and you can do theirs online www.aigdirect.com.au. I'm not sure about the medical screening with theirs but I can certainly look into it and let you know next week. I've been thinking about insurance for us affected by bc for sometime, not just travel but home, car, business etc and how, if we were a member of bcna whether we could do something in conjunction with some of the insurers to get discounted policies etc, I know the financial strain is bad enough and trying to continue to keep on top of bills can be a strain. Maybe I need to talk to Bcna about it. anyway I'll do some research on the travel policies out there and keep you posted.
Hi
What company did you use Tina. I am happy to declare my BC and will be over my treatment by the time this comes around. And like you if I thought I was not fit or well enough to travel I would have to cancel. I just want to be covered for accidents, loss of luggage, etc. and really hoping not to use it!
thanks
Marg
Hi Ladies, I'm not sure which travel agent Louie spoke to but it is incorrect. If you do not declare your medical conditions when asked it could put your whole cover in jeopardy in the event of a medical claim and it's the last thing you want when overseas. Always obtain a copy of the product disclosure statement and listen/ read the criteria questions carefully and answer them truthfully. I'm an insurance broker and would not take on a client that suggested their medical conditions should not be declared. Quite often once declared you still pay the same price but anything to do with the recent treatment or contrition will be excluded, each insurance company has different terms and conditions. I'm going to Europe in 2 months and I have cover for everything else just nothing relating to bc, so be it I wouldn't be going if I wasn't fit I really just want it in the event of an accident etc. best advice, be honest and shop around xx
Hi Ladies, I'm not sure which travel agent Louie spoke to but it is incorrect. If you do not declare your medical conditions when asked it could put your whole cover in jeopardy in the event of a medical claim and it's the last thing you want when overseas. Always obtain a copy of the product disclosure statement and listen/ read the criteria questions carefully and answer them truthfully. I'm an insurance broker and would not take on a client that suggested their medical conditions should not be declared. Quite often once declared you still pay the same price but anything to do with the recent treatment or contrition will be excluded, each insurance company has different terms and conditions. I'm going to Europe in 2 months and I have cover for everything else just nothing relating to bc, so be it I wouldn't be going if I wasn't fit I really just want it in the event of an accident etc. best advice, be honest and shop around xx
Hi Ladies, I'm not sure which travel agent Louie spoke to but it is incorrect. If you do not declare your medical conditions when asked it could put your whole cover in jeopardy in the event of a medical claim and it's the last thing you want when overseas. Always obtain a copy of the product disclosure statement and listen/ read the criteria questions carefully and answer them truthfully. I'm an insurance broker and would not take on a client that suggested their medical conditions should not be declared. Quite often once declared you still pay the same price but anything to do with the recent treatment or contrition will be excluded, each insurance company has different terms and conditions. I'm going to Europe in 2 months and I have cover for everything else just nothing relating to bc, so be it I wouldn't be going if I wasn't fit I really just want it in the event of an accident etc. best advice, be honest and shop around xx
- Hi Marg, All the best it should be good. enjoy. My concern was going to the States which is a high cost medical area. All the best Jeff
- Hi Michele, You are 100% correct. I rang them direct my error , and the travel agents, is we did not read the policy. Staff at Covermore were very obliging and helpful. The company was listed on the stock exchange in January 14 and they did tighten up some areas of rusk hence my brother in-laws problem . Thank you for your help and pointing me in the right direction. Cheers Jeff
Hi Jeff,
I just checked their Product Disclosure Policy in the brochure, online. It is definitely still the same, so quote it at whoever answers the phone - maybe they are not up to speed. Thay can't argue with their own Policy!
Best of luck. Michelle R
Hi Michelle,
Thank you for the feedback, I will double check.
As to changing hands that was hear say, so I made be wrong. My brother in law insured with them last May and with the same conditions he tried again recently but they knocked him back. The travel agent said they had changed hands.
Cheers
Jeff
Hi Deenick,
I wrote the post that Paula has quoted above, about travel insurance from Covermore. They covered me in January/February 2014, worldwide cover.
I did however fill their criteria - no treatment in the preceding 6 months. If you check online under Existing Medical Conditions, Breast/Prostate/Kidney/Bowel/Colon Cancer, it should set it out clearly. ie no treatment as above, no spread beyond the primary site at any time, and a journey of less than 6 months. I think it cost around $600 - just the regular policy amount.
I hadn't realised they had changed hands and maybe changed policy, but it's worth checking. Good luck.
Michelle R
