Planning a trip when you are living with cancer can bring up a mix of excitement and worry, especially around finding the right travel insurance. With some preparation and honest conversations, it is possible to feel safe and confident about any upcoming plans.
Start with your medical team
Before you look at policies, check with your oncologist or GP about whether it is safe to travel, where to, and when. Ask for a letter that explains your diagnosis, current treatment, fitness to travel and any specific risks and medications you need, as insurers often use this information during medical assessments.
Understand cancer as a “pre-existing condition”
In Australia, most insurers treat cancer as a pre-existing medical condition, which means you must declare it when you apply. Not declaring cancer can lead to claims being refused, even for issues that seem only loosely related. Being honest upfront can prevent issues down the track.
What cover might be possible?
Depending on the stage of your cancer and your treatment, insurers may respond in different ways. Common possibilities include:
- offering full cover for cancer related issues after a medical assessment, often with a higher premium.
- offering general travel insurance but excluding any claims linked to your cancer or its complications.
- declining cover altogether if you are currently receiving active treatment or recently had significant changes in your health.
Specialist providers and comparison sites that focus on pre-existing conditions can sometimes offer more flexible options, so it is worth getting more than one quote.
Questions to ask insurers
When you speak with an insurer or use an online medical screening tool, it can help to have a list of questions ready. For example:
- will you cover my specific type and stage of cancer, and on what conditions?
- what am I covered for if my cancer treatment side effects flare up while I am away?
- are trip cancellation or changes covered if my doctor later says I am not fit to travel?
- do you cover carers or support people travelling with me?
Always read the Product Disclosure Statement (PDS) carefully, or ask someone you trust to go through it with you. Getting clear on the fine print now can spare you stress later.
Being kind to yourself in the process
Looking for travel insurance with cancer can feel confronting and, at times, unfair. It is OK to take breaks, to ask a friend or family member to help with phone calls, and to change your plans if the emotional or physical load becomes too heavy. Above all, remember that wanting to explore, rest or reconnect through travel is a very valid hope.
