Travel insurance after prostate cancer
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Being diagnosed with or recovering from prostate cancer doesn’t have to put a stop to your travel plans. Whether you’re heading on a once-in-a-lifetime holiday or visiting family overseas, having travel insurance can give you the peace of mind to plan with confidence.
Many insurers provide high levels of medical travel insurance for pre-existing conditions like prostate cancer. By declaring your health history in full, you may be able to claim for unplanned treatment, lost medication or trip cancellations related to your diagnosis
In this guide, we’ll break down the key considerations for travelling with prostate cancer and how to find the right insurance cover for the right price.
Key highlights on travel insurance for people diagnosed with prostate cancer
- Travel insurance for cancer patients offers the same cover as standard travel insurance. Declaring your health history in full helps ensure your policy remains valid, and you should be able to make a successful claim if you need to.
- Many insurers will reject your claim if you fail to declare a pre-existing medical condition like prostate cancer. It’s a good idea to check the requirements and limitations of your policy to make sure you understand the protection it offers before you travel.
- Different policies offer different cover depending on your circumstances. If you’re looking for high levels of medical cover for your trip, it’s worth comparing quotes from insurers that can offer cover for pre-existing conditions.
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Do I need to declare prostate cancer with travel insurance?
A past or current cancer diagnosis is usually considered a pre-existing medical condition by travel insurance providers. Failing to disclose it can lead to invalidated policies and cancelled claims, so it’s important to know what to declare when applying for cover.
Typically, insurers will ask you to complete a medical screening to get the full picture of your health and treatment history. Questions might include whether you’ve been prescribed medication, what type and stage your cancer is and how long ago you were diagnosed.
Providing detailed, honest answers will help you find suitable cover. Standard policies don’t always include protection for pre-existing medical conditions. But by comparing quotes from trusted providers, you can find one that offers high levels of travel cover tailored to your specific needs.
How much does travel insurance with prostate cancer cost?
Though having travel insurance isn’t a legal requirement for most destinations, it’s recommended by organisations like Prostate Cancer UK to help you cover surprise costs if something goes wrong.
Travel insurance for medical conditions tends to cost more than standard cover because there’s a higher chance that you’ll need to make a claim. Insurers work out exact cover costs based on your cancer stage, treatment plans and holiday type. For example, cruise cover is typically expensive because medical care and evacuation can require costly, specialised emergency support. Long-stay cover may also cost more, as you’re more likely to need medical care during an extended trip.
If you’re travelling on a budget, there are ways to get the right cover for the right price. You could increase your voluntary excess to lower upfront costs, look for family cover discounts or compare single-trip and annual multi-trip cover to find the most cost-effective options — without compromising on protection.
GHIC and prostate cancer in Europe
A valid UK Global Health Insurance Card (GHIC) allows you to access state-supplied emergency healthcare in most EU countries, either at a discounted price or for free. This includes medically necessary treatment for pre-existing health conditions like prostate cancer.
As these cards are designed for emergencies, they won’t cover prescriptions, planned treatment or private healthcare. Plus, they don’t work outside of Europe, and their protection is limited to medical costs. So, while GHICs are useful to have (and sometimes required by insurers), they aren’t a replacement for travel insurance.
Standard travel insurance policies should cover you for:
- Emergency medical care.
- Repatriation (emergency transport back to the UK).
- Cancellations.
- Delays.
- Loss, damage or theft of personal items (including your passport).
- Lost luggage.
- Personal liability.
- Travel disruption.
Having this extra protection can help you prepare for unexpected travel problems, giving you the reassurance you need to plan ahead and make the most of your trip.
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Travelling after prostate surgery or treatment
Travelling can be a great way to relax and take your mind off things when you’re going through treatment for prostate cancer. Before you go, it’s worth researching how to look after yourself while you’re away.
If you’ve recently undergone prostatectomy surgery, chemotherapy or brachytherapy, it’s a good idea to ask your consultant how long you should wait before travelling. Some advice recommends waiting up to six weeks after treatment to minimise the risk of complications. Some countries also have specific rules on taking medication abroad, so it’s important to check local entry requirements before committing to a destination.
When you have the all-clear to fly, there are things you can do to make travelling more comfortable. For example, you could book an aisle seat on the plane to give you easy access to the toilet, and move around when possible to help avoid blood clots.
Remember, travelling against your doctor’s advice can increase your risk of complications and might invalidate your travel insurance policy. If you can, taking the time to recover before planning a trip can help you safely enjoy your time away.
Travel insurance for terminal prostate cancer
It can be tricky to find travel insurance if you have a terminal prostate cancer diagnosis, but it’s not impossible. Some insurers may be able to offer cover for people travelling with a terminal prognosis, usually on a case-by-case basis.
To check your eligibility, it’s common for insurers to ask you to provide a doctor’s note declaring that you’re fit to travel. So, it’s worth speaking to a medical professional for guidance before booking a trip.
If you can’t find suitable cover from mainstream insurers, there may still be other solutions to explore. PayingTooMuch meets the eligibility requirements to be included in the Money Helper travel insurance directory, which was set up for consumers struggling to navigate the market due to serious medical conditions, like cancer, affecting their quotes. The directory gives consumers access to several FCA-regulated specialist providers that have been through a rigorous selection process to prove their specialism.