My Macmillan

Travel insurance checklist

It will make your search easier if you have certain information to hand when you start looking for travel insurance.

The insurance company may ask some questions that could be difficult or upsetting. For example it may ask about the likely outcome of your cancer (the prognosis). The company may do this so it can decide whether it needs to ask you for more medical information.

Depending on how you feel about being asked these questions, you may want to contact only a couple of insurance companies at a time.

Once you’ve spoken to a few companies about your situation, you may be able to decide whether a company that specialises in insuring people with health conditions, or a general insurance company, is a better option for you.

Some travel insurance policies only cover journeys that start and finish in the UK. If you are travelling abroad from the UK through the Republic of Ireland, remember to check with the insurance company about whether the policy will cover you for all parts of your trip.

Here are some of the things an insurance company will want to know. They may ask other questions too.

Personal information

Information about your trip

Medical information

An insurance company may ask whether you have a pre-existing medical condition, such as cancer. If your answer is ‘yes’, you are likely to be asked more questions about this. This will probably mean that you need to call the insurance company before you are able to buy insurance. Some companies call this their medical screening process.

An insurance company may ask you the following questions:

A medical screening process over the phone usually takes 5–10 minutes. If you have, or have had, other conditions as well as cancer, you may be asked similar questions about these.

You should be aware that if you don’t tell the company information you could reasonably be expected to know when you buy a policy, any claim you make could be refused.

Different companies assess the results of the medical screening process in different ways. They will probably also differ in how much cover they’ll offer you. For this reason, it can be worth comparing offers from different travel insurance companies or getting advice from an insurance broker. Brokers don’t supply insurance themselves, but they can search for it on your behalf.

Some insurance companies and brokers specialise in providing insurance for people with medical conditions.

‘Fit for travel’ letter from your doctor

Some companies will ask for a letter from your doctor that says you’re well enough to travel. GPs can charge you for this letter. They may be more likely to charge if the travel insurance company contacts them to ask for a letter, so it’s often best to ask your GP yourself. It may save time if you get the letter before contacting insurance companies.

Taking medical equipment abroad

If you need to take any special medical equipment with you on holiday, make sure your insurance will cover this.