Hi ladies and especially Lynn who I'm assuming is still thinking of going to the states and needs insurance? Well, you may be in luck, along with the rest of us.
My Dad, who has various pre existing conditions associated with getting older, has a travel insurance policy which he got via the Forces Pension Society. I looked into it because, as a blood relative of someone who was in the RAF, I should be covered if I took out a policy. I wanted to confirm with them their wording about 'fit for travel' especially as they make a point of mentioning being 'terminally ill'. I have spoken to their claims department today and basically they insure anyone, not just those connected to the Forces (although you get a discount if you are) and offer an annual worldwide policy which includes USA. They don't ask any medical questions but take the view that if your GP or medical practioner says you are fit to travel then you can have cover including cancellation and also UK holidays. The quote I got today was about £350 for myself and my husband for an annual worldwide policy. The insurers are Axappp healthcare uk limited. Phone number 0800 454080. Definitely worth giving them a call for anyone seeking affordable cover especially for us secondary ladies. I will be getting in contact with them again when my current Eurotunnel policy expires next year. Also they were really helpful when I spoke to them and were well aware of the situation with secondary BC and the whole 'terminally ill' bit.
Hope this helps and btw they do offer an annual European policy which is about £100 cheaper.
Been in touch with Eurotunnel today and the confirmed that they will no longer have an 'annual worldwide policy including the USA'. They do however still cover Europe £46.95 single person and £71.95 for a couple..
He told me that this has been the case for the last two months.
They will honour existing policies until they expire.
i am still hoping so if I will post if I find anything.......
HI to all,
This all sounds very reassuring as my mum is currently struggling like mad to get some travel insurance with her secondary breast cancer. It;s upsetting her so much having to keep ringing up and going through it all again, only to be told they can't insure her.. so demoralising!
Anyway, I'm going to try eurotunnel with her and see where we get.. thanks for all the comments, very helpful.
Does anyone have any experience of actually claiming following travelling with eurotunnel though?
Thanks to all. xx
Hi Cookie17, most of us on here tend to go with Eurotunnel, they don't tend to ask too many personal questions either, I took out 12 month cover and was £76 for the year.
Hugs Janette xxxx
Just wondered if anyone had found a good travel insurance that will cover one on travel. My husband has phoned many an insurance company and they are asking for extortiant amounts of money because I have terminal cancer.
We use to use the Post Office General insurance which was great as it covered the basics which is all we wanted but they have changed their underwriters and so we cant use them anymore. Any help would be much appreciated.
Good to know, thank you. Think I'll try Eurotunnel first as I keep hearing good things about them. Just want to get a bit of sunshine as we didn't manage it last year when this all kicked off xxx
Interesting discussion!.....I also note that the wording is "defined for this purpose".....so it would seem to be perfectly reasonable to ask eurotunnel how they define "terminal" for their purposes.....x
if you google Form DS1500 there are downloads in pdf you can look at but the first page is info for the referring clinician and says
"can be issued to patients with terminal illness (defined for this purpose as a progressive disease where death as a consequence of that disease can be reasonably expected within 6 months")
I think the wording ....can be reasonably expected...is relevant here when interpreting. It may he reasonable to expect it but no-one will dispute if survival is longer.
Page 2 of the form is the claim form, its very brief and does not ask if the patient is terminally ill, just asks for date of diagnosis, past or current treatment and whether patient is aware of prognosis, and details of clinical features like staging and tumour markers, quite a basic form.
Hope this helps ♥
Love bev xxxx
Ladies - I recently found out that there is a company called Swiss Assist - which is a Swiss company that arranges to fly you back with medical assistance from Europe destinations if you will need to stay in hospital for more than 3 days. Whilst this is not medical insurance it is only 60 euros for a years cover and I think is worthwhile having especially if for any reason the travel insurance does not cover. They do not ask for health details but you must be fit to travel and they will not cover if you have had chemo or radiotherapy within 2 months so I realise not for everybody but may help some. Jackie xx
I was worried about the use of 'terminal' in their policy wording so I phoned them up (having already taken the policy out) just to confirm whether `I was covered or not. I did say to the advisor that I may need to speak to their underwriters for this confirmation. However when I told him specifically that I had secondary breast cancer ie cancer that had spread beyond the breast he said I was covered and they would apply the word 'terminal' to anyone who knew they had only a few months to live.
I do see how by having PIP/DLA under special rules a medical professional has signed a form to say you only have 6 months to live but as this seems the only way we can get this award there is a discrepancy in these two situations. As my original DS1500 was signed over 6 years ago and I have been lucky enough to live longer than the 6 months my GP signed the form for do I challenge his knowledge? Or do I accept that I may live longer? I certainly wouldn't be going back to him to say he had made a mistake as I am nearer to that last 6 months than ever and there is no way of knowing how long I may live for at this point in time. As far as I am aware the DS1500 does not use the word 'terminal' but I could be mistaken.
Not sure this helps but I am just adding the fact I have had it confirmed by Eurotunnel that having secondary breast cancer does not mean you have had a terminal diagnosis. BTW their policy wording is now quite different from a year or so ago when I too wouldn't have taken it out, it changed in January of this year if I remember correctly.
Just thought I'd add though that it does state on the DWP website regarding claiming under special rules, that if you do in fact live longer than 6 months your claim and benefit won't be affected. Once it is awarded it runs until you renew your claim. X
Hi Wensteed...thats a very good point, as I currently have a claim going through for PIP under the special rules on the advice of the welfare office at the hospital I'm receiving treatment, even though im not dx as terminal either.
Youre right, this could be a "get out clause" for Eurotunnel. I may ask the question at my next clinic appointment in 2 weeks x