Wondering if anyone has been able to successfully obtain travel insurance that covers ovarian cancer as a pre-existing condition? I have dreams of travelling (outside Canada!) but it seems I've hit a roadblock with the travel insurance.
I have travel insurance through work, but it does not cover pre-existing conditions (only if something else were to happen, like a broken arm). I went to BCAA, as they have a pre-existing travel condition add-on, but they said it does not cover ovarian cancer. They advised I speak to their affiliate, Tugo Insurance, as they have cancer coverage. However, they only cover cancer if you are in remission and have letter from your doctor (I am not and still have evidence of cancer). I'm also on Tamoxifen, a hormone treatment, which they consider as being under "active treatment".
I know that most likely nothing ovarian cancer related will happen during my travels. However, I'm just nervous that if something were to happen, I wouldn't want to have hundreds of thousands of dollars in medical bills!
Anyone have any success or advice? Thanks so much!
Agreed @Nanakaw.. those are some very good issues to consider. thank you for posting.
Thank you @Quiltmama for your comments. Agreed, it is a good idea to seek the advise of a licenced travel insurance broker. The options that may be available will depend on the products that the broker has access to, your province of residence and of course your specific case. Over the next few posts, I'll list a few more details that I hope will help you ask the right questions.
Hi @amym85 @KarenMari53 @Nanakaw @Quiltmama @Jack and @Flowergirl
This is a really difficult question because there are so many variables and so much depends on the company and the policy. Yes, it is best to review your coverage in depth to find out what is and is not covered by your current policy, if you have one and to seek the advice of a licenced travel insurance broker as Flowergirl suggests above. Here are things to be aware of and ask about:
Here is a link to the Canadian government website for further information but for a detailed personal conversation about your own situation, talk to a professional. https://travel.gc.ca/travelling/documents/travel-insurance
If people are interested, we may offer some kind of webinar/seminar about this topic. Interested?
It is most important to verify and confirm that the applicant is eligible.
Next, you will want to review the stability period for the pre-existing conditions as well as the limitations and exclusions of the policy. It may also help to review the definitions section within the policy.
Claims may be denied for several reasons: