Lung Cancer: Which Travel Insurance?

Do you have (or have you had) lung cancer and would like to get travel insurance for your coming trip in case you face medical expenses abroad?

Travel insurance that covers lung cancer treatment can be hard to find or very expensive. But you’ve come to the right place.

In this guide, we will explain everything you need to know about lung cancer travel insurance: is lung cancer travel insurance compulsory? What specific medical cover should you get if you have or have had lung cancer? What are the best lung cancer travel insurance companies and how much will you pay? Let’s dive in!

Why do I need travel insurance if I have (or have had) lung cancer?

Travel insurance for lung cancer patients is not compulsory.

However, you should know that your national healthcare cover, your European Health Insurance Card (if you are travelling in Europe), your credit card travel insurance or any other kind of assistance you would have as a country resident or citizen, may not be sufficient to cover any medical expenses you may have abroad.

Much more than a nice-to-have, travel insurance is one of the highest value-for-money insurance products, especially for people with lung cancer.

A recent study from Which has shown that in around 10000 UK travellers in 2018, 64% of them have already had medical treatment while travelling abroad. The average spend of medical care abroad is around £1300. But it can be much more.

As a lung cancer sufferer, you may especially face expenses such as:

What if...	What you will pay without travel insurance (outside Europe)	What you will pay without travel insurance (in Europe with EHIC card)	What you will pay with travel insurance
My trip is cancelled due to an unexpected medical appointment for lung cancer	£10,000	£10,000	£0 up to trip cancellation limit (minus excess)
I need specific lung cancer treatment needed abroad	£30,000	£0	£0 up to medical compensation limit (minus excess)
I need to be repatriated to the UK for specific lung cancer treatment	£100,000	£30,000	£0 up to repatriation compensation limit (minus excess)

Travelling in Europe, what does my European Health Insurance Card cover?

As a current or former lung cancer sufferer, always remember that while travelling in Europe, your first ally is your EHIC card. Your EHIC card will cover for any treatment you may need abroad, including any treatment linked to a pre-existing lung cancer.

Remember that your EHIC will only cover you until 31/12/2020, the time of Brexit. Make sure you have both EHIC and travel insurance before travelling. Many insurers will ask you to get your EHIC if travelling in Europe, and would waive the excess if you have a valid card with you.

For any specific information on the European Health Insurance Card, check out the NHS website.

Can I easily get travel insurance with or after lung cancer?

If you have been diagnosed with lung cancer, whether you are in remission or not, you may find it difficult to find cheap lung cancer travel insurance that will cover you for your trip without major exclusions.

Getting travel insurance after lung cancer can indeed be very time-consuming and you could end up paying three or four times the price people without a medical history would pay for a standard cover policy.

Unfortunately, insurers will see you as being at higher risk of making a claim such as:

• Cancelling your trip for reasons due to lung cancer, such as an important medical appointment being postponed
• Needing expensive medical treatment linked to your lung cancer while travelling abroad
• Needing repatriation to the UK

We all agree that this is unfair, especially, for example, if you have recovered from lung cancer 20 years ago and are now in a very stable condition. But don’t worry, some insurers – fortunately – have agreed to cover people at higher risk. You could get travel insurance post lung cancer either through:

• Companies that will provide you with standard cover as they would do for any other tourist, but may invalidate any claim due to your treated lung cancer (if you are sure about your recovery and only need cover for a few days trip, for example);
• Or specialised travel insurance for lung cancer sufferers (or other existing medical conditions).

We are here to help you find the best and cheapest travel insurance after lung cancer surgery depending on your current medical condition, your age, the length and destination of your trip, etc.

What are the best travel insurance policies for lung cancer patients?

You will find below a list of specialist travel insurance policies for lung cancer survivors – as well as for those with other pre-existing medical conditions – who will provide you with good cover and dedicated assistance.

Travel insurer	Price	Features
	£13,18	Age limit - single trip: 100 / annual: 79 Covers any kind of cancer whether it has spread or not Covers terminal cancer 5 stars Defaqto rating
	£14,24	Age limit - single trip: 100 / annual: 79 Specialist of medical travel insurance Covers up to 1000 different medical conditions 24/7 UK based call assistance center 5 stars Defaqto rating and 4,8 on Trustpilot Covers terminal cancer
		Age limit – single trip : none / annual: 79 4,58/5 rate on Reviews Dedicated customer service according to reviews
	£15,56	No upper age limit Covers terminal cancer only for Single Trip policy (with a return within 6 months, with GP consent)
	£16,12	Age limit –- 85 for both policies Specialist of medical travel insurance
	£18,27	Age limit - single trip: none / annual: 79 No change in health clause after purchase Covers terminal cancer Medical expenses limit up to £15M
	£21,43	No upper age limit One of the leader in providing travel insurance in UK Covers terminal cancer
	£25,99	No upper age limit Specialist of medical travel insurance Covers any condition Covers terminal cancer Up to £15M medical expenses 5 stars rating on Defaqto
	£26,32	No upper age limit for both single and annual multi-trip Specialist of medical travel insurance Covers any condition including terminal cancer
	£28,44	No upper age limit Specialist of medical travel insurance Covers terminal cancer
	£29,18	No upper age limit Specialist of medical travel insurance Convalescence benefit covering 5 days after surgery abroad
	£33,27	No upper age limit Covers terminal cancer Offers cashless medical expenses
	£37,42	Specialist of medical travel insurance No upper age limit No health change disclosure Use bespoke individual screening assessment Covers terminal cancer
	£39,18	Age limit – single trip: 85 / annual: 75 No health change disclosure

Quotes above are for a 7 days single trip policy to Europe for a 60 years old patient with lung cancer cancer that has been completely removed.

All the above insurers are specialists in covering pre-existing medical conditions. Unless it is clearly mentioned in the features, they all use the Verisk screening system and apply a change in health disclosure in their policy which will allow them to inflate premiums and change or cancel your travel insurance policy if an unexpected event related to your healthcare occurs before your trip.

Find out more cheap travel insurance for lung cancer with our 100% anonymous tool.

Do I need to declare lung cancer for travel insurance?

You are required by law to declare any pre-existing medical condition when purchasing an insurance policy.

A pre-existing medical condition is typically one for which you have been diagnosed and have received treatment before you apply for any travel insurance policy, regardless of whether this is short- or long-term.

Therefore, lung cancer counts as a pre-existing medical condition. You are therefore required to declare your lung cancer to your insurer, whether you are in remission or not. If you are seeking travel insurance for secondary lung cancer, you will need to mention it too.

How does lung cancer screening for travel insurance work?

If you have lung cancer, or any pre-medical condition, you are more likely to be screened before applying for a policy.

On insurers’ websites, you’ll be asked to answer a set of questions administered most of the time by the Verisk medical screening system before getting quote results. Some insurers may have their own set of questions and may attribute their risk rating based on your answers.

Do you have or have you had lung cancer? Here is the list of questions you will most probably be asked to answer when purchasing travel insurance covering lung cancer:

Screening questions	Answer
Lead traveller’s medical condition	lung cancer
Has there ever been a spread of the cancer to the lung from any other part of the body?	Yes, my tumor was first situated in XX No
Has there ever been a spread from the lung to somewhere else in your body?
How long ago was your last lung cancertreatment for this condition?	Within X months or years My cancer treatment has not started yet I have chosen not to proceed with any cancer treatment
Has the cancer been completely removed or destroyed?	Yes No I am waiting for these results
Is there any further cancer treatment planned?	Chemotherapy tablets Chemotherapy injected into a vein Radiotherapy Surgery Immunotherapy Any other treatment More than one type of treatment No Preventive medication only, e.g. tamoxifen or raloxifene
Were you offered any surgery, chemotherapy or radiotherapy but chose not to proceed?	Yes No

The spread of your cancer, the date of your last treatment have a very strong impact on your travel insurance premium.

How much is lung cancer travel insurance?

Here are some indicative quotes for single trip and annual travel insurance for lung cancer patients:

	7 days’ trip to Europe	20 days’ trip to USA	Annual multi-trip to Europe
18-35 years old	£98,08	£157,13	£123,10
36-55 years old	£134,11	£174,14	£178,14
56+	£216,17	£192,15	£246,20

It is quite difficult to give precise ranges of how much lung cancer care travel insurance is. Prices are based on a wide range of criteria and will not only depend on your pre-existing medical condition, but also:

• Your age and destination
• If you’re going for a single or annual multi-trip, as mentioned above
• If you’re subscribing to upgrades such as cruise, business or gadget cover
• The length of your stay abroad
• If you’re travelling alone, with your partner, a group or your family
• The financial limits you’d like to get in case of a claim
• The excess amount you’re willing to pay
• What you will be doing abroad (e.g. winter or extreme sports).

What is usually covered by lung cancer travel insurance?

Insurers covering a pre-existing medical condition such as lung cancer often provide a high compensation amount for trip cancellation, medical expenses and repatriation.

Here is a typical list of what you should pay attention to while applying for lung cancer travel insurance cover:

Compensation	Average	What you should pay attention to
Medical expenses compensation amount	From £5M to £10M depending on your medical situation and your destination	Are surgery and stays at private hospitals included? Will I need to pay for medical fees upfront? What kind of treatment is included (lung cancer screening, oncology consult, etc.)? Is any kind of emergency treatment included? Will any ‘accompanying person’ fees be reimbursed (extra travel, accomodation, car rental)? What is the excess you’ll have to pay for a medical claim? Do you have the option to choose a no excess policy?
Repatriation compensation amount	Real fees	Is any transportation mode included (by alternative schedule flight or by air ambulance)? Is repatriation under the supervision of a nurse or a doctor taken into account?
Trip cancellation	£5000 - £10000 depending on your destination	Is trip cancellation included as standard or as an option? Which reasons exactly are included to get compensation for your trip cancellation (e.g. medical appointment postponed)?

Besides compensation limits, you should also go for a company including specific healthcare upgrades as standard such as:

• Bespoke medical screening before applying for travel insurance: the possibility to easily talk to someone and find the right cover for your needs (especially for terminal illness)
• UK-based 24/7 assistance helpline while you’re abroad: dedicated free-of-charge landline to get healthcare advice and help in finding the right doctor or hospital abroad, reactive assistance, etc.

What is not covered by lung cancer travel insurance?

That will vary from one insurer to another.

Besides the main exclusions usually found in insurers’ policy booklets (terrorism, strikes, natural disasters, claims related to drug, alcohol, etc.), regarding pre-existing travel insurance, your claim may be invalidated:

• If you are travelling without your doctor’s consent
• If you have been told you have a terminal illness and you have applied for travel insurance without saying so
• If you are waiting for a diagnosis or medical treatment at the time of applying.

Does travel insurance cover terminal lung cancer?

As said above, most insurers will not cover any terminal illness diagnosed, and therefore won’t cover incurable lung cancer.

However, we’ve come up with a list of companies still offering cover for people with terminal cancer depending on the length and destination of your trip, the stability of your medical condition and your doctor’s consent.

Here is a non-exhaustive list:

• InsureCancer
• AA
• All Clear
• Clear2Go by MIA
• Co-op Insurance
• Cover Cloud
• Esure
• Free Spirit
• Goodtogo
• InsureandGo
• Insurefor
• OK To Travel
• Travel Insurance Saver
• Travelinsurance4medical
• Virgin Money
• World First

Most of the time, insurance companies will still ask you a minimum duration between your prognosis and your return travel date. You should also know that no insurer will cover you for your trip against your doctor’s consent.

What if I am diagnosed with lung cancer after having applied for travel insurance?

When it comes to medical condition travel insurance, insurers often add an ‘ongoing duty of disclosure’.

It basically means that if any important change related to your healthcare occurs after you applied for travel insurance policy, they have the right to either:

• Screen you again;
• Raise your premiums;
• Change your policy contract;
• Cancel your policy.

Most of the time, if your health condition changes, insurers will either:

• Provide you with new travel insurance for your new health condition with an additional fee;
• Provide you the same insurance but the new condition will be excluded;
• Or simply offer no cover, as they consider your condition too risky.

Can you travel abroad with lung cancer?

The short answer is yes, of course.

However, here are some tips we would advise you to carefully read:

• Get your doctor’s consent and advice before travelling with past or current lung cancer.
• Get any vaccinations needed.
• Get the right lung cancer travel insurance for your trip, covering treatment linked to your disease and any medical care you may need abroad, and carefully read your policy booklet (exclusions, limits and deductible amounts, etc.)
• If you are not in remission, be sure that the trip will not be too much effort and not too tiring for your medical condition.
• Remain prudent and take with you your doctor’s phone numbers and local emergency contact details. If possible, travel with someone.
• Make a list of needed medication and keep them in their original packaging (for customs) and store them safely. Prepare back-up meds.

Top 5 tips to get cheaper travel insurance quotes for lung cancer victims

If you have or ever had lung cancer, here are some tips you may like to use to lower your insurance premiums:

1. Use our comparison table to find out which companies are the best and the cheapest for lung cancer patients.
2. Take your phone and try to speak to humans! If you have someone on the phone, they are more likely to understand your lung cancer medical situation and find you the appropriate cover.
3. Go for single trip cover rather than annual multi-trip. You’ll be seen as a lower risk traveller as you will only need cover for a defined stay.
4. Change your destination and opt for European trip rather than a roadtrip across the USA’s legendary Route 66! You’ll be less likely to make a very high medical care claim, which could see your premium go down.
5. Benefit from a joint travel policy discount, insuring both your partner or family and yourself.