Tuesday, July 3, 2012

Cancer Sufferers Struggle to Find tour assurance

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People who have suffered from or who are undergoing medicine for any form of cancer often struggle to find voyage insurance to contribute cover for their holiday. This often results in them being unable to voyage or, alternatively, they run the risk having to cover the costs of medicine abroad if they voyage without insurance.

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People with pre-existing curative conditions are deemed to be a 'high risk' for insurers. As a result of this they will often find themselves in a position where they are either refused a policy, without even being given a quote, or are quoted for cover at such an extortionate rate that it can be more than double the cost of the holiday itself.

Some fellowships can quote more than £1500 for a course to cover a week long holiday in Europe, whereas others can contribute the same level of cover for less than £300. It depends on a estimate of factors, from the curative history and screening requirements through to the destination, nature of the holiday and duration of stay. Each insurer will have dissimilar terms and factors and those that offer a specialist assistance and cover pre-existing curative conditions will all the time be the best place to look first for cancer voyage insurance.

Anyone who is suffering from, or who has undergone medicine for cancer in new years can spend many hours researching curative voyage insurance in the hope that they will be able to find a course that will cover them. Organisations such as Macmillan Cancer retain help by providing lists of insurers that may be able to contribute cancer specific insurance, any way each private case is assessed on the perceived risk to the insurer and not all insurers will be able to contribute cover.

Having cancer or receiving medicine for cancer shouldn't stop anything from going on holiday, heading off on the adventure of a lifetime or planning excursions abroad. A estimate of insurance specialists do contribute tailored policies specifically for citizen with pre-existing curative conditions and citizen with cancer. These policies are designed especially for citizen who may be more likely to need curative aid whilst on holiday.

Tips on seeing cancer voyage insurance and cover for pre-existing curative conditions
· Look for specialists and those that offer cover for citizen with pre-existing curative conditions and cancer rather than a generic insurance provider;
· Shop around, insurers often use dissimilar curative screening so not all policies will come out at the same price;
· Check the screening criteria - some insurers will only ask for curative history and pre-existing conditions for the past 12 months, whereas others will want details for the past three of five years
· Don't leave it to the last slight to try and find insurance. It will take time to find an insurer that can contribute the level of cover required at a price you are willing to pay, so give yourself time to do the explore and get the best potential cover.

It's not impossible for citizen with cancer to get voyage insurance, but it can take time and will cost more than a acceptable policy.

It's also leading to remember that anything who is travelling with man who has a pre-existing curative condition also needs to avow this to their insurers. Failure to disclose that you are travelling with man with a pre-existing curative condition, be it cancer, angina, diabetes or anything that has required treatment, could invalidate the voyage insurance if the holiday is affected as a result of the pre-existing condition.

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