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Travel insurance for breast cancer sufferers
By Hannah Ricci
A new brand of insurance could make it easier and cheaper for women who have been diagnosed with breast cancer to buy cover when travelling overseas.
More than 44,000 women are diagnosed with breast cancer every year, but many find it virtually impossible to buy travel insurance or face extortionate premiums, even when in remission. This is because insurers classify all sufferers of the disease as high risk and more likely to make a claim for medical care on holiday.
Many insurers screen customers with existing conditions by asking only generic questions about their medical history. However, Insure Pink (www.insurepink.co.uk) claims its new policy is based on in-depth questions that help tailor cover to the actual risk in each case, which should cut premiums by up to 50%.
So, is Insure Pink cheaper than its competitors? Well, each premium is calculated on an individual basis, and they do appear to be lower. For example, a 43-year-old woman diagnosed with breast cancer three years ago, who has had chemotherapy followed by a mastectomy and radiotherapy and receives on-going Herceptin infusions could buy insurance for a five-day shopping trip in New York for around £50. A similar policy with other specialist insurers would cost up to £100 more.
As always, however, the key is to shop around, and it's advisable to compare the comprehensiveness of policies, not just the price. Insure Pink is a good place to start, but details of other specialist insurers can be found on the Breast Cancer Care website (www.breastcancercare.org.uk).
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