Average Cost of Travel Insurance with Cancer
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Cancer is one of the most debilitating diseases that can hamper the patient as well as their family in multiple ways. Be it physically, psychologically, or financially – cancer patients go through numerous alterations in their lives. Moreover, irrespective of the cancer type, the treatment for cancer is pretty expensive, which can make it challenging to bear the hefty expenses. Here, insurance companies play a vital role in easing treatment costs.
At the same time, even though health insurance policies provide coverage to cancer patients, they usually become invalid when you travel to other countries. In such a case, the patient would be liable to pay cancer-related medical emergency expenses from their pocket.
This, as one may expect, can be problematic especially if the concerned individual doesn’t have sufficient funds for the treatment at that moment. In such circumstances, travel insurance can save the cancer patient from the hefty expenses involved.
In this article, we will look into the average cost of travel insurance with cancer and other essential details related to it.
Does Travel Insurance Cover Cancer?
Yes, travel insurance for cancer survivors is offered by a few insurance companies, although the coverage benefits vary for each provider. Providers, however, set specific terms and conditions related to cancer coverage that must be read thoroughly before proceeding towards purchasing a plan. Additionally, it is the applicant’s responsibility to declare the illness and its history correctly to avoid any issues while filing a claim.
Note that if the cancer is incurable, the chances of an insurance company providing a travel insurance policy to the patient are usually quite low.
Average Cost of Travel Insurance with Cancer
The cost of travel insurance for cancer patients is different for each insurance company. Additionally, this cost also depends on the type and number of coverages that an applicant wishes to avail of. It is recommended to check with different insurance providers to know the average cost of travel insurance for cancer survivors.
Which Coverages Are Included Under Travel Insurance for Cancer Patients?
With travel insurance for cancer patients, an applicant can avail of the following list of benefits –
- Sudden Medical Emergency while Travelling: Unexpected health conditions can cause various complications while the patient is on a trip. In such instances, insurance providers cover the costs involved in the treatment, whether via cashless transfer or reimbursement. However, it is crucial to note that travel insurance for cancer survivors mainly covers only unexpected illnesses and not pre-existing issues, such as those related to cancer.
- Trip Interruption: It may happen that the health of the policyholder deteriorates while on a trip and that they need to return to their home country for immediate treatment. This, however, leads to substantial financial loss in case the trip expenses and flight tickets are non-refundable. With a valid travel insurance policy, at least the stress concerning finances can be avoided as the concerned provider can compensate the policyholder for the unused, non-refundable, and pre-paid expenses.
- Trip Cancellation: Whether to undergo emergency medical treatment right before the scheduled departure from the country or any other such emergency, an individual may have to cancel their trip. However, just like the point discussed above, the concerned insurance company can reimburse the policyholder’s unused, pre-paid, and non-refundable amount If their flight tickets and other trip-related bookings are non-refundable.
Does Travel Insurance Help You If a Family Member Gets Diagnosed with Cancer?
In case the family member of a traveller gets diagnosed with cancer a few days prior to their departure from the country, the person certainly wouldn’t want to leave them alone, and would rather be with them for as long as possible.
However, as per most airline policies, the said individual will not get any refund for the cancellation of their flight tickets, which can lead to significant financial losses. An existing travel insurance plan can be helpful here. Even if the cancer patient wasn’t travelling with the individual, they would still be eligible for getting compensation for the trip cancellation.
Apart from this, travel insurance providers also provide compensation if the policyholder’s trip gets interrupted. Trip interruption benefits can be availed if any of the policyholder’s family members become severely ill while they are already on the trip. Here, they can receive reimbursement for their transportation to travel back home as well as unused trip expenses.
Travel Tips for Cancer Patients
Explained below are some important tips that cancer patients must take into consideration –
- Cancer patients must consult their respective doctors before travelling to know how fit they are for travelling and the necessary precautions they must take
- All the crucial medical reports, medication, and contact information of the doctor must be carried
- The destination must be selected wisely – the patient must ensure that they don’t have to travel via flight for a longer duration
- The healthcare system and regulations of the destination country must be examined before the commencement of the trip. For instance, a country may require certain vaccinations or immunization prior to or upon arrival which can have an adverse reaction on the body of the patient. These types of rules and regulations must be confirmed from the concerned embassy or consulate before planning the trip.
- A confirmation from the airline regarding the restrictions to carry essential medications and other medical equipment must be obtained before the trip
- Individuals must carry sufficient medicines and other essential drugs while travelling. Additionally, it must be checked whether the necessary drugs are available in the destination country (in case the supply of medicines with them is exhausted).
- A valid written proof from the respective doctor must be obtained to confirm that syringes and pills are required for the individual’s medication
- One should have at least one copy of their medical reports in case the other copy gets lost or stolen
How to Find the Correct Travel Insurance for Cancer Patients?
Searching for the best travel insurance plan and provider can be tricky at times. It is essential to go through the terms and conditions, plans, premiums, and other insurance details precisely to select the most suitable plan for oneself. For a seamless and convenient search, one can always visit our platform policybazaar.ae and find the most suitable plan.
Our website is easy to browse through where you can look for travel insurance quotes as per your requirements, as we bring the best travel insurance plans in the UAE at the most affordable prices. Moreover, our customer care representatives are within your reach round the clock for assistance. You can directly get in touch with our experts via call at 04 247 2904 or drop us an email at communication@policybazaar.ae.
