InsureCancer

Who can apply for a policy? Anyone who is permanently resident in

the United Kingdom or the Republic of

Ireland, who has had a diagnosis of

cancer and is under the care of a

specialist Consultant.

If I have pre-existing medical conditions why do I need special travel insurance? Most high street travel insurance policies will not

offer cover for a diagnosis of cancer. As long as

you have provided us with complete details of

your medical conditions, our policies will offer full

cover giving peace of mind in the event you have

a medical problem whilst travelling abroad.

What if my doctor has advised me not to travel? If your doctor has advised you not to travel we will

not be able to insure you. You must therefore

have your doctor’s approval to travel, as your

policy will be void if you travel against medical

advice.

Can I apply if I have had a 'terminal' prognosis? Yes, as long as you are fit for the

trip.

Won’t European Health Insurance Card (EHIC) provide adequate protection? (Note that on 31 December 2005, the old Form

E111 ceased to be valid. These paper forms have

been replaced by the EHIC. In the new system

one card is needed for each member of the family.

Public healthcare systems in the EU vary from

country to country, and few countries pay the full

cost of healthcare and these arrangements do not

cover the cost of emergency medical repatriation

back to the UK if this becomes necessary. In

addition, a medical emergency may mean extra

travel and accommodation costs which will not be

reimbursed by the EHIC system.

The Foreign and Commonwealth Office therefore

advises that EHIC medical system is not a

substitute for a proper travel insurance policy.

Only state-provided emergency treatment is

covered, and you will only receive treatment on

the same terms as the nationals of the country

you are visiting. Private treatment is generally not

covered, and state-provided treatment may not

cover all the things that you would expect to

receive free from the NHS. For more information

on the EHIC visit the Foreign and Commonwealth

Office website.

What are the levels of

cover provided by the

policy?

Our policies provide up to £5m of

cover for Emergency Medical

Cover and repatriation expenses

should you require medical

attention whilst travelling abroad.

Please refer to the Summary of

Cover for more details.

Will continuing medical treatment be covered once I return to the UK? No, the cover provided by the policy is

only available whilst you are travelling

abroad.

What do I do if I have a medical problem travelling abroad? Our policy provides a 24/7 medical emergency

assistance. Multi-lingual coordinators will be able

to make the necessary local arrangements if you

need medical attention or hospitalisation. Contact

our emergency assistance company whose

details can be found in the policy.

Is there anything the policy does not cover? Yes, as with all insurance policies certain

exclusions apply and these are detailed in

full in the policy document. In particular,

our policy will not provide cover for any

pre-existing medical condition not fully

declared and listed on the policy

schedule.

What is an excess? This means that you will be responsible

for paying the first part of the claim. The

amount you pay is the excess.

If we are travelling together, do we all have to be named on the policy? All persons travelling together should be named

on the schedule if they wish to be covered by our

policy. Children under the age of 18 must be

accompanied by an adult.

A close relative of mine who is not travelling with us has been ill. Is this relevant? Yes. If you know of any reason why you

might have to cancel or curtail your

holiday, such as an illness of a close

relative, you must inform us as it may

affect your cover.

How do you decide whether you will provide cover? When considering someone for cover we take

details of your clinical history and current clinical

status to assess the risk involved. These will

involve the condition itself, any other conditions,

the medication being taken, medical history, as

well as the duration and destination of the trip. On

the basis of this information each case is

individually assessed.

Any other questions? Call us on: 0125 278 0190 or 0845 649 0190