Cancer patients forced to shell out ‘sky high’ costs for holiday insurance

Many cancer patients are being denied holiday insurance protection or being compelled to fork out very high expenses to guarantee they have appropriate therapeutic cover while abroad, a charity said.

While the typical cost of travel protection is £37, many individuals with the disease are spending £1,000 or more, Macmillan Cancer Support stated.

Some prices and policies mirror an obsolete perspective of cancer as a disease that affects few individuals or that the individuals who have cancer are facing a “death sentence”, the charity said.

It stated that by 2020 one in every two individuals would get the illness sooner or later in their lives. What’s more, cancer patients are presently twice as likely to survive in no less than ten years after diagnosis than they were toward the beginning of the 1970s.

It has approached the insurance business to guarantee individuals living with illness are not priced out of the market.

Another survey directed on more than 2,000 cancer patients found that 2% are being denied insurance policies regardless of their cancer being diagnosed over ten years ago.

Extrapolating the figures, the charity assessed that 8,500 British holidaymakers who availed for a fly out protection were not able to get a policy regardless of the way that they were diagnosed over ten years ago.

Then, an expected 7,500 Britons who have ever had cancer and took out single excursion or yearly travel insurance shelled out £1,000 or more for their policies

Individuals with cancer paid £133 for their policies – about four times the normal cost of an annual travel approach for the overall population – just £37, the charity said.

The survey found that 18% of individuals who had cancer and took out travel protection paid £200 or more for insurance.

“For many people with cancer, getting travel insurance can turn a dream holiday into a nightmare,” said Macmillan Cancer Support chief executive Lynda Thomas.

“Every day, we hear from people who have longed for a holiday as a chance to recuperate, to celebrate the end of their treatment, or to spend precious time with friends or family, only to have those plans shattered by issues with travel insurance.

“It’s not good enough that they are being denied travel insurance or charged sky-high prices.

“Even those who were diagnosed a decade ago are being written off as ‘uncoverable’.

“We want insurance providers to give people with cancer a break.

“Travel insurance policies should be clear and fairly priced for everyone, including people with cancer.”

It has also called on the insurance firms to give non-vague information about how quotations have been determined and what an exclusion would mean if a person needed to make a claim.

A spokesperson for the Association of British Insurers (ABI) said: “Travel insurance is widely available for people who have long-term and serious health conditions, including people who have various stages of cancer.

“If a customer is struggling to find cover via comparison websites, we would strongly advise approaching a specialist provider, who should be able to offer insurance based on their particular situation.

“Travel insurers pay out more on medical expenses than any other type of claim, and it is common for those with serious pre-existing conditions like cancer to pay more for their travel insurance as the costs of medical treatment are often significantly higher.”

Summary