Travel insurance for advanced prostate cancer

Hi All - like many of you I too have been trying unsuccessfully for insurance, my hubby has recently been diagnosed with advanced Prostate cancer - the quotes I received were just ridiculously high to go to Europe £1700 the highest. Following advice on this page I tried insurancewith.com I phoned and spoke with a lovely lady Cathy - yes I was on the phone for a long time as they are very thorough, but hey I got affordable insurance for us both with, I mentioned the 15% discount for completing on line and she gave me that as well £124 well chuffed, I couldn’t get annual but that doesnt matter I could get affordable cover and we’ve something to look forward to after a difficult year 🥳 

Edited by member 08 Aug 2022 at 13:23  | Reason: Not specified

I am off to Spain next week and will be in Europe several times over the next 12 months. I was tearing my hair out trying to arrange insurance, going through loads of questions only to be informed that they could not cover me, or some ridiculous quote of £1500 (for 5 days in Spain!!). Read through this thread 15 minutes ago and saw about Direct Line - and now insured with prostate cancer not covered . £96.22 multi trip.  

Just completed my annual review with them, my wife and I have both gone on 5 mg blood pressure medication in the last six months.

Anyway for the blood pressure she's covered at no charge and here's the kicker my blood pressure condition has been added to the list of not covered with my prostate cancer.

My wife said we're going to end up not being able to go on holiday anymore so I replied you may as well stick me in a rest home now.😂

I think your thinking is the wrong way round - in my experience, having blood tests only increases the risk of identifying a problem that then has to be informed to the insurers. If you want to have affordable cover, the best thing is not to have tests! 

Aside of that, I think we sometimes forget that insurance companies are not charities or community services. They are businesses; their main purpose is to pay out as little as possible. If all their data says that someone with high blood pressure is a) more likely to have a heart attack or stroke b) is more likely to be older and / or overweight c) is more at risk of other health conditions ... they are going to charge a premium to cover their risk. One of the most costly risks for a travel insurer is the cancellation of holidays due to illness, a change in circumstances, medical appointments, change of treatment plan or timetable - or due to these changes affecting someone else in the booking. My dad's partner pays nearly as high a premium as dad for their holidays & cruises - she is younger and healthy but if he takes ill or falls and has to cancel his holiday, she will also be claiming :-/ It might seem unfair but it is realistic.