Planning a holiday should be an exciting time, but if you are living with blood cancer, it’s essential to consider a few extra steps to ensure peace of mind, especially when it comes to travel insurance. Finding the best travel insurance can feel overwhelming, but with the right information, you can secure coverage that allows you to relax and enjoy your trip.
Travel insurance is crucial for anyone traveling abroad, but it becomes even more vital when you have a pre-existing health condition like blood cancer. Standard travel insurance policies may not adequately cover pre-existing conditions, potentially leaving you with significant medical bills should you require treatment while away. This is why seeking out specialist travel insurance is paramount to protect yourself financially and medically.
Several reputable companies specialize in providing travel insurance for individuals with cancer and other pre-existing medical conditions. Two frequently recommended providers are Staysure Travel Insurance and Insurancewith. Staysure, highlighted on their website as offering “Travel Insurance for Cancer Patients,” specifically caters to individuals with cancer, understanding the unique needs and concerns you might have. Insurancewith (https://www.insurancewith.com/) is another specialist insurer with expertise in covering pre-existing conditions, ensuring you can find a policy that suits your specific health profile.
Beyond choosing the right insurer, preparation is key. Before finalizing any travel plans, it’s highly recommended to consult your healthcare team or doctor. They can provide personalized advice based on your current health status and treatment plan. Key questions to ask your doctor include:
- What specific precautions should I take while traveling?
- What is the procedure if I test positive for COVID-19 while abroad?
Understanding the answers to these questions will help you make informed decisions and choose the best travel insurance that addresses these potential scenarios.
For comprehensive travel health advice, particularly concerning your destination, travelhealthpro.org.uk is an invaluable resource. This website offers up-to-date information on various travel health issues, including COVID-19 related guidance, specific to the country you are visiting. It’s also wise to research the healthcare system of your destination, particularly regarding access to COVID-19 treatments, by contacting the local health authority.
When discussing travel with your healthcare team, remember to request a clinic letter. This letter should detail your diagnosis, current treatment, medication list, and confirm your fitness to travel. It is also beneficial to ask them to include information regarding your eligibility for COVID-19 treatments should the need arise. Carry this letter, along with copies of your prescriptions and your healthcare team’s contact information (including out-of-hours numbers), with you during your travels. Bringing lateral flow tests is also a practical step for monitoring your health while away.
Furthermore, it’s important to be aware of reciprocal healthcare agreements. If you possess a UK European Health Insurance Card (UK EHIC) or a UK Global Health Insurance Card (UK GHIC), you are entitled to access state-provided medical treatment in certain countries, potentially including COVID-19 treatments if available to residents. However, travel insurance remains essential to cover costs beyond state-provided care, such as repatriation, private medical care, and cancellation or curtailment of your trip.
In conclusion, securing the best travel insurance when living with blood cancer requires careful consideration and planning. By utilizing specialist insurance providers, consulting your healthcare team, and thoroughly researching your destination’s health guidelines, you can travel with confidence and enjoy your holiday knowing you have robust protection in place.
