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Children's cancer

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Travel insurance for children with brains tumours

8 replies

C152 · 25/03/2023 13:09

Has anyone found a travel insurer willing to insure a child who has/had a malignant brain tumour? I'm really struggling to find anyone.

We want to go for a brief holiday within Europe. My child is currently well, his consultants are happy for him to go on holiday and have written a letter to that effect for me to show to the airline (if necessary), but no one will insure us! I've contacted all those listed on the Cancer UK and braintumourcharity websites, called BIBA etc., and no luck. Has anyone else found travel insurance in these circumstances?

OP posts:
banabak · 30/03/2023 22:36

We used insurancewith, my child also has a brain tumour. Hope they can help.

familyissues12345 · 01/04/2023 20:50

Insurewith is the one we've used. They insured DS one year post treatment to go to Florida, and now 5 years later to fly to the US tomorrow.

Neither were cheap, both times he was very low risk yet his premium was far far more expensive than his brother who is at risk of anaphylaxis (so far more likely to need medical help). It makes no sense to me!

Bells3032 · 01/04/2023 20:58

Speak to all clear. They specialise in travel for those with health issues

BellaVita · 01/04/2023 21:02

DS1 (25) has a glioblastoma (dx June 2022).

He went with DH to Singapore last Sept/Oct for the F1. It cost 4K and the only insurance co that would insure him was “Good To Go”.

We went to Tenerife in January/Feb. He was insured but not for the tumour.

DH has just said that after his 6th cycle of chemo next week, it will be within six months of prognosis and very much doubts that we will be able to get him insured.

Somuchgoo · 02/04/2023 09:57

Thanks for this, following, as I could do with sorting out travel insurance for my 3yo. Hers is only a grade 1, but when I looked a few months ago, we were either declined or it was £1k for a week in europe.

What happens btw if we get a scan showing growth/further treatment required between insurance purchase and going (if child is still well enough). We have a scan in May, and I don't know if it's better to get insurance before it or after?

C152 · 16/04/2023 11:57

Thanks to all those who answered. I took my son on holiday and we had a great time but were effectively uninsured. Literally no one would insure us with pre-existing conditions and less than 6 months on from the end of radiotherapy. I went to Insure With, Good to Go, All Clear, Freedom Travel, Holiday Extras etc. All said no.

For us, I felt this risk was worth it as it was extrememly unlikely anything medical would go wrong and, if it did, I know all the hospitals in the country we went to are excellent and actually have better brain tumour treatment programmes than the UK (so I knew we'd be in good hands should an emergency occur). We also both have EU passports so, again, it makes the potential cost of overseas medical expenses less worrying.

If my son's health were less stable, or I was travelling to a place I'd never been and wasn't certain about local hospitals, I would have been more concerned about obtaining proper insurance. As it was, I was only worried the airline would lose out luggage, so I'd be out a few hundred pounds for new clothes and a suitcase.

One thing I did do, which I would suggest anyone in a similar position look into, is separate wheelchair insurance, if your child is using one. My son has one that was provided by the NHS and a condition of taking the chair on holiday is you get your own insurance for it. I used Blue Badge Mobility Insurance - I didn't spend a great deal of time looking around at whether they were competitive or offered the best options; I just needed to get something in place quickly. In the end, I didn't need to make a claim, as the airline didn't damage or lose the wheelchair; so I can't speak as to how helpful their claims process is. (Take the chair seat cushion and footrests off and put them in your cabin baggage. Apparently these are the things that, more often than not, get lost or damaged - the ground crew confirmed this when they commented approvingly that I was already taking them off when they arrived.)

OP posts:
C152 · 16/04/2023 12:14

Somuchgoo · 02/04/2023 09:57

Thanks for this, following, as I could do with sorting out travel insurance for my 3yo. Hers is only a grade 1, but when I looked a few months ago, we were either declined or it was £1k for a week in europe.

What happens btw if we get a scan showing growth/further treatment required between insurance purchase and going (if child is still well enough). We have a scan in May, and I don't know if it's better to get insurance before it or after?

The insurers I spoke to all asked if I was awaiting a scan for my child and the date of the last scan. They were only concerned if another scan was due between the date of their quote and the date of the holiday, in case it changed their risk. But, as I said, I never got far in the process as they all said no pretty quickly! I assume if the scan shows your little one's health has deteriorated, they will probably re-quote and either increase the premium (as their risk has increased) or decline to quote.

When are you planning to travel? It might make more sense to wait until after you have the results of the scan but, saying that, what I didn't realise is that (so these insurance companies tell me) it usually takes months to get this type of specialised insurance in place. I tried to book it about 7 weeks before travel which I felt was a reasonable period in advance, given I usually leave it until the week before I go! I was sneered at by a few companies for "leaving it to the last minute".

OP posts:
Somuchgoo · 16/04/2023 21:59

Thanks for this.

The next scan is in May, so I'll wait for now. We don't have any firm plans to go abroad, is more that it's been a long time, and we were verging on booking a holiday when she got diagnosed, so I'm itching to go when we can.

I'm tempted to risk it to France, without insurance, on the condition that if she gets ill (but not emergency ill) we just drive home. She's pretty low risk as far as I can see.

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