June 1, 2020
Due to travel restrictions, plans are only available with travel dates on or after
Due to travel restrictions, plans are only available with effective start dates on or after
Ukraine; Belarus; Moldova, Republic of; (North) Korea, Democratic People's Rep; Russian Federation
A cancer diagnosis disrupts life in countless ways. Work, family obligations and daily routines all have to adjust to this huge upheaval in your life. Did you know that travel insurance may be able to help if cancer sidelines your travel plans?
We’ll answer some common questions about how travel insurance can cover people with cancer. Remember that you can contact Allianz Global Assistance anytime to get advice on buying travel insurance when you’re dealing with a cancer diagnosis, or any other medical condition.
The short answer: Yes, some travel insurance plans can cover people who have a cancer diagnosis, when certain conditions are met. It’s important to make sure you understand those conditions, so let’s go through them.
Travel insurance covers cancer the same way it does any other pre-existing medical condition. Allianz Global Assistance defines a pre-existing medical condition as an injury, illness, or medical condition that, within the 120 days prior to and including the purchase date of your policy:
The illness, injury, or medical condition does not need to be formally diagnosed in order to be considered a pre-existing medical condition.
If your cancer diagnosis fits this definition, it may be covered if you purchase travel insurance that includes the Pre-Existing Medical Condition Exclusion Waiver. This waiver means you can be covered for losses due to a pre-existing medical condition if you meet all of the requirements described in your policy:
It’s important to know that having cancer, or any other pre-existing condition, does not affect the cost of travel insurance. When you get a quote, it’s based only on your age, your trip length, the cost of your trip and the type of plan you select.
The benefits you receive depends on the type of plan you buy. You can see all available travel insurance plans here, or get a quote to easily compare plans and pricing. That being said, here are some of the situations in which travel insurance can protect cancer patients.
Also, please understand that travel insurance can’t pay for planned medical expenses if you travel overseas to obtain treatment for cancer (or any other condition). Travel insurance will not pay for any non-emergency care, elective care, long-term care or experimental treatments, among other exclusions listed in your policy.
What if someone in your family is diagnosed with cancer right before you’re about to leave on a week-long vacation? There’s no way you’re going to leave their side — but your resort’s cancellation policy says clearly that no refunds will be given.
In situations like this, travel insurance can help. If a family member who’s not traveling with you develops an illness, injury, or medical condition that’s considered life-threatening or requires hospitalization, that can be a covered reason for trip cancellation. The same is true for trip interruption — if you’re already on your trip when a family member becomes seriously ill, then trip interruption benefits can pay for your transportation home, as well as reimbursing you for unused trip costs.
Read more: How Travel Insurance Covers Family Members
Let’s say you book a Mediterranean cruise for yourself and your spouse to celebrate your 25th wedding anniversary. You also purchase travel insurance to protect the trip. Six months later, a routine mammogram detects a lump in your breast, and you’re diagnosed with stage-2 breast cancer. You must undergo surgery and radiation, which means you won’t be able to go on your long-awaited cruise.
Travel insurance with trip cancellation benefits can be invaluable in situations like this, when you’re facing a cancer diagnosis. If your symptoms (or the side effects of treatment) are disabling enough to make you cancel your trip, and if your doctor advises you to cancel it, then trip cancellation benefits can reimburse you for your prepaid, non-refundable trip expenses. That way, you can reschedule the cruise for after you’ve recovered — and the sea breezes will be even sweeter.