Travel Insurance for those with a Terminal Prognosis

Finding travel insurance if you have a terminal prognosis can be difficult but there are specialist travel insurers who will help you if they possibly can.

Hearing that an medical condition has reached the position where it has become terminal not do mean that for all the wish to travel diminishes. Indeed for some the drive to visit a long dreamed for destination, or visit family is another country can become extremely powerful.

Find travel insurance covering those with a terminal prognosis

However finding Travel Insurance covering a terminal illness can become difficult and there are a limited number of insurers who are able to help.

The reasons for this, without wishing to state the obvious, are that there is a higher chance of the holiday being cancelled before the date of travel, due to a deteriation in the insureds condition and an increased risk of a situation occuring whilst abroad. Therefore it tends to be only very specialist insurers who can help, and some may not offer cover in all eventualities (such as cancellation cover).

Tips for finding travel insurance for those who have been terminally diagnosed

It is really important to be totally transparent when looking for travel insurance to cover a terminal health condition. If you do not reveal your full state of health and then make a claim on your insurance at a later date, it could be invalid and you'd be left to cover full medical and repatriation costs back to the UK.

The length of time between the date of purchase of your insurance and the date of your holiday can also be relevent as there is less opportunity for cancellation on medical grounds, and the length of the terminal prognosis will also have a bearing. Some insurers, for instance, will not offer cover if it is less than four months away.

What are the requirements for obtaining travel insurance for those with a terminal illness?

In order to make an accurate assessment of your risk, an insurance company will ask for your medical history in order to tailor the insurance to your specific case.

You are highly unlikely to find cover unless your doctor is able to confirm that they believe you are fit to travel currently, and are likely to be at the time the holiday is planned.

Where can I purchase travel insurance covering a terminal prognosis?

Travel insurance can be purchased through specialist insurers - normal travel insurance companies do not tend to offer cover if a policyholder has already received a terminal prognosis.

This information is based on journalistic investigation and research. It is not financial advice. Any information should be considered in regard to specific circumstances. Any suggestions followed up are done so at your own risk and your own research is key.

Photo credit: Ben Earwicker

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