Macmillan Cancer Support: Helping Cancer Patients and Seniors Find Affordable Travel Insurance
Traveling with a pre-existing medical condition, such as cancer, or as a senior, can present challenges when trying to secure affordable travel insurance. Standard insurance providers often exclude or heavily inflate the costs for coverage, especially for those undergoing treatment or in remission. However, organizations like Macmillan Cancer Support in the UK offer vital assistance in helping these individuals find suitable and affordable travel insurance options.
Why Finding Specialized Insurance Matters?
For those living with cancer, or seniors with ongoing health concerns, travel insurance is crucial, ensuring that medical emergencies or cancellations due to health reasons are covered. Without it, these groups are at greater financial risk when traveling abroad, as most standard travel insurance policies either exclude pre-existing conditions or charge high premiums for coverage. Seniors also face similar challenges, with age being a major factor in determining premiums and coverage limits.
How Macmillan Helps
Macmillan Cancer Support offers tailored advice to cancer patients and seniors to help them navigate the complex world of travel insurance. Their guidance includes:
Resources on Specialist Insurers: Macmillan connects individuals with specialized insurance companies that offer coverage tailored to those with cancer or other serious medical conditions. Insurers like Insurancewith, AllClear Travel Insurance, and MIA Online are often recommended for their willingness to provide coverage for those with higher medical risks.
Tips for Lowering Costs: Macmillan provides advice on how patients can reduce insurance costs. This includes strategies such as selecting shorter trips, reducing coverage limits, or choosing destinations where reciprocal healthcare agreements (such as the EHIC/GHIC) provide some basic coverage.
Support for Seniors: While Macmillan’s primary focus is cancer patients, many seniors also benefit from their advice. Macmillan shares information on policies that cater to older travelers who may face high premiums simply due to their age.
What to Expect from Specialized Travel Insurance
Specialized travel insurance providers recommended by Macmillan understand the unique medical needs of cancer patients and seniors. These policies often offer:
Coverage for Pre-existing Conditions: Unlike standard travel insurance, these policies do not exclude major health conditions, ensuring individuals are covered for any health-related emergencies while abroad.
Reasonable Premiums: While the cost may still be higher than for younger, healthier travelers, specialized insurers typically offer much more affordable options than mainstream companies.
Flexible Coverage: These policies often provide more flexibility in terms of destination coverage and the ability to travel while undergoing treatment, as long as a doctor approves.
How to Get Started
To find the right insurance:
1.Visit Macmillan Cancer Support’s website or call their helpline for guidance on suitable insurance providers.
2.Research specialized insurers recommended by Macmillan, such as Insurancewith, AllClear, or MIA Online.
3.Compare quotes to find a policy that balances cost and coverage for your particular medical needs.
4.Consult your doctor before booking travel, as many insurers will require a letter confirming that it is safe for you to travel.
Conclusion
Macmillan Cancer Support plays a vital role in helping cancer patients and seniors access affordable travel insurance. By providing resources, connecting individuals with specialized insurers, and offering cost-saving tips, Macmillan ensures that those with pre-existing conditions can travel with peace of mind. For more detailed assistance, visiting their website or reaching out to their support team is the best first step.