A blog by Ronny Allan

UK Travel Insurance – please give cancer patients a break!

UK Travel Insurance – please give cancer patients a break!

Updated and reviewed 20th February 2026 – UK travel insurance – opinion. 


FOR UNITED KINGDOM (UK) NEUROENDOCRINE CANCER PATIENTS
but some of my findings are potentially applicable in other countries although there will be different insurance underwriting rules for cancer patients.  One thing is common, cancer patients present risk, and increased risk is normally more expensive in the insurance business.

Nothing in this article should be interpreted as a recommendation to travel or use any company or service mentioned.  This is based entirely on my own experience and decisions.  I also declare no interest in any of the companies listed, i.e. I am not receiving any free or reduced cover or any financial incentive for mentioning a particular company.  I do this to try to help others.   I first started supporting this issue via Macmillan in 2017 but they have now gone quiet on the issue.  It’s also good to see other UK NET organisations now jumping onto the same bandwagon in 2022, long overdue.

Background.  Ronny Allan was diagnosed with Stage IV Neuroendocrine Cancer in 2010. Following several surgeries and procedures in the first 2 years after diagnosis, he remains under surveillance, and he remains on a 28-day treatment plan.  I mention this data because it is relevant to travel insurance underwriting.

Should be OK for any cancer type – just ignore “Neuroendocrine Cancer” below.  

Apples and Pears:  Warning about comparing with others.

You simply cannot compare someone’s insurance quote with your insurance quote, there are too many variables including pre-existing conditions, age, where you are travelling, is it a cruise, what stage of cancer, are you still under consultation, what medications you take, what you are doing when you get there, yada yada yada.  

My travel insurance experience since diagnosis

I’ve always had travel insurance, incidents or accidents overseas can costs thousands, many thousands in certain countries.  If course if you are fit and healthy (and young) it’s not too expensive.  Everything in the insurance industry is based on risk – I get that.  As you get older, you get riskier in the underwriter’s eyes, and the price goes up. However, it’s still reasonably affordable when you are at the ‘young end of old’ if you get my meaning!

Add in a critical illness such as cancer and BANG, suddenly you are very risky, and your premiums are going to rise, particularly in scenarios where the cancer is metastatic and you remain on treatment and surveillance, as in my own case outlined above (even 11 years after diagnosis).   When I was diagnosed and going through treatment, travel insurance wasn’t on my mind.  Apart from recovery from surgery, I still felt fairly well and healthy to be honest.  Within the UK wasn’t an issue and I did venture to fairly close places overseas within Europe. I had my EHIC card for hospital cover (see further below), and I understood it did not replace travel insurance, but it made everything less risky in my own eyes. If I felt an illness coming on which was related to Neuroendocrine Cancer, I would try to ‘limp’ home and seek help there, i.e. I’ll accept the risk.

However, after a few years, I wanted to explore wider.  Understandably, many stage IV cancer patients focus more on their ‘bucket list’ after diagnosis (top tip, get that bucket list started before you get cancer, it’ll be cheaper).  I ventured to USA and have plans for other popular holiday spots for Brits outside Europe and North America.  I came across an excellent insurance policy for members of the Forces Pension Society, i.e. for veterans of the UK Armed Services.  This was a reasonably priced policy on an annual worldwide basis and had minimum criteria for coverage of all pre-existing conditions.  Perfect for someone like me who was as fit as a fiddle (probably fitter than many insurance underwriters) but had cancer at stage IV.  However, the price seemed to jump every year by a much higher percentage than inflation, until 2021 when they announced the scheme would be shutting down.  It appears it was a loss leader for Axa Insurance.  Clearly, the cover was not ‘personalised’ enough.

The following information is the result of my research for affordable travel insurance for my own personal situation.

UK Government health card schemes

These are not insurance policies, but they do give some peace of mind in cases of “medically necessary treatment and assistance” when overseas from UK.  But it’s important for UK citizens (including those living abroad) to understand recent changes following UK’s departure from the EU.

The (old) European Health Insurance Card (EHIC)

The UK EHIC is being phased out since the UK left the European Union (EU) but some people will have rights to continue to use it (in this scenario, it will be referred as the “UK EHIC”.  So read on if you think that applies to you.

If you have an existing European Health Insurance Card (EHIC). it will be valid until the expiry date on the card. Once it expires, you’ll need to apply for a GHIC (see below) to replace it (you can still apply for a GHIC right now though).

The UK EHIC

Yes, UK-issued European Health Insurance Cards (EHIC) are still valid for travel in the EU until their expiration date. They are being replaced by the new UK Global Health Insurance Card (GHIC), which should be applied for once your current card expires. Both cards are free and cover necessary state-provided healthcare.

Key Details Regarding EHIC Validity:

    • Expiration Date: Check the bottom right corner of your card; it remains valid until that date.
    • Where it works: Valid in all EU countries.
    • Where it is NOT valid: It is generally no longer valid for new trips to Norway, Iceland, Liechtenstein, or Switzerland
  • Replacement: Once expired, you must apply for the new UK GHIC.
  • Important Note: The EHIC/GHIC is not a substitute for travel insurance, as it does not cover private treatment or medical repatriation. However, unless you are ill, then insurance will still cover cancer unrelated issues. 

If you are a UK state pensioner living in the EU, a student, or a citizen with rights under the Withdrawal Agreement, you may be eligible to apply for a new UK EHIC instead of a GHIC.

Depending on your circumstances this will be either a:

  • UK Global Health Insurance Card (GHIC)
  • UK European Health Insurance Card (new UK EHIC), if you have rights under the Withdrawal Agreement

The Global Health Insurance Card (GHIC)


The UK Global Health Insurance Card (GHIC) lets you get necessary state healthcare in the European Economic Area (EEA), and some other countries, on the same basis as a resident of that country. This may be free or it may require a payment equivalent to that which a local resident would pay.

The UK GHIC has replaced the existing European Health Insurance Card (EHIC). If you have an existing EHIC you can continue to use it until the expiry date on the card. Once it expires, you’ll need to apply for a UK GHIC to replace it.

You can apply for a new card up to 9 months before your current card expires.

A UK GHIC is free and lasts for up to 5 years. Apply for your new card through the NHS website. Avoid unofficial websites – they may charge you a fee to apply.

If you have rights under the Withdrawal Agreement, you can choose to apply for a new UK EHIC instead.

The UK GHIC is not a replacement for travel insurance. We advise you to have private travel and medical insurance for the duration of your trip.

We also recommend you check FCDO travel advice on GOV.UK for the country you’re visiting.

As at 9 August 2024, you can use your GHIC card when you’re visiting:

You can use a UK GHIC in Switzerland if you’re one of the following:

  • a British national
  • a Swiss national
  • an EU citizen
  • a refugee
  • a stateless person
  • a family member of someone who holds one of the above nationalities or statuses

The UK government is negotiating with other countries to expand the use of the UK GHIC, so always check coverage before you travel.

Summary – what your card covers

You can use your card to get state healthcare that cannot reasonably wait until you come back to the UK (sometimes called “medically necessary healthcare”). This includes things like:

  • emergency treatment and visits to A&E
  • treatment or routine medical care for long-term or pre-existing medical conditions
  • routine maternity care, as long as you’re not going abroad to give birth

You’ll need to pre-arrange some treatments with the relevant healthcare provider in the country you’re visiting – for example, kidney dialysis or chemotherapy – as it’s not guaranteed that local healthcare providers will always have the capacity to provide this care.

Whether treatment is medically necessary is decided by the healthcare provider in the country you’re visiting.

Not all state healthcare is free outside of the UK. You may have to pay for treatment that you would get for free on the NHS, if a local resident would be expected to pay in the country you’re visiting.

Before travelling, you should check the state-provided healthcare services in the country you’re visiting and any potential charges you may face.

Check the relevant country guide on GOV.UK for information on how to access treatment in the country you’re visiting

What your card does not cover

A UK GHIC (or UK EHIC) does not replace travel and medical insurance or cover services like:

  • being flown back to the UK (medical repatriation)
  • treatment in a private medical facility
  • ski or mountain rescue

We advise that you have a UK GHIC (or UK EHIC) and private travel and medical insurance for the duration of your trip.

What about reciprocal healthcare arrangements?

Did you know the UK has reciprocal healthcare agreements with some non-EU countries?  Within these countries, you’ll often be treated as if you were a resident of the country you’re visiting.  Evidence required can vary depending on the specific agreement. For example, with Australia and New Zealand. See full list here.  Note some of these countries will now accept a GHIC or UK EHIC card.  For example, on 27 September 2022, the Australia section has been updated to highlight that the GHIC can be used to prove entitlement to healthcare and that the agreement with Australia also allows for the reimbursement or partial reimbursement of certain prescription medicines.  Always check what paperwork you will need before travel – click here.

Caveat emptor

To emphasise two things above, always check the arrangements in the country you are visiting, make sure you have travel insurance cover.  It’s also worth noting that Insurance Companies do not appear to take policyholder possession of EHIC or GHIC into consideration, even though it does de-risk claims for “medically necessary treatment” covered by such schemes, which will include cancer issues.  As I said above, this should give some peace of mind about what can be covered and should therefore allow you to assess your own personal risk.  The general advice is still to have travel insurance in place.

As explained above, after living with Neuroendocrine Cancer for 11 years and having had access to a special deal for insurance cover for all my pre-existing conditions at affordable rates, I once again find myself looking for affordable travel insurance from April 2022 onwards. I have a cruise booked in April 2022. Cruises add another dimension of risk to travel insurance and by default, more risk tends to mean more cost.  What I found out below also applies in non-cruise situations except where I specifically talk about cruises. 

Here is what I found:

Apart from the minefield that is COVID cover (which will eventually settle down and be a standard within every policy), I found these key things:

1. Most insurance companies online ask the same questions almost word for word. Make a list of your answers so you can copy for each quote. If you suddenly realise you had something wrong, go back to an older quote (most let you save) and update so every quote is the same.  It’s important your quotes are identical as insurance companies are known to share data.  There was one exception – see ‘Insure With’ below, I was disappointed with my experience of getting an output due to their confusing quote layout and what appeared to be a widely different approach than their main competitors.  I was contacted by one of their departments, who at least confirmed they use a different model of underwriting than all the other companies who gave me a quote below. Their system was still unable to provide a quote online.  The quote they gave me over the phone while competitive in comparison to my selected company and while it wasn’t 100% the same cover, it would have been adequate for my needs.  But they were unable to quote for an annual policy even over the phone. 

2. At least “Neuroendocrine Tumours” is listed in the pre-existing conditions, it wasn’t when I checked 10 years ago. Before you jump for joy at the update in the reference data used by insurance underwriters, I did not see Neuroendocrine Carcinoma listed separately. But there is an entry which just says “Carcinoma”. It does list DIPNECH, Pheochromocytoma, Paraganglioma, Merkel cell tumour, Carcinoid Tumour, Carcinoid Syndrome. It did list Insulinoma but none of the other pancreatic NET functional syndromes.  What this does show to me is that the reference data for Neuroendocrine Neoplasms are incomplete and the fact they have both Neuroendocrine Tumours and Carcinoid Tumours indicates to me a lack of understanding. (If you find others let me know, I could have spent all day on this task!).

What it also means is that Neuroendocrine Neoplasms have not been fully considered (not understood) by underwriters and this may be reflected in unnecessarily high-risk factors and therefore unnecessarily high premiums. 

3. When you select Neuroendocrine Tumours, it asks other related questions, and this will be key in working out risk. It asks whether it is “cancerous or non-cancerous”. Non-cancerous is a synonym for benign and cancerous is a synonym for spread beyond original primary site. On selection of “cancerous” It also asks you if the “cancer spread from the original site to elsewhere in the body” so a bit of emphasis from the underwriters. As I have liver and other metastases, I selected “yes – to other organs of the body”. They then ask a few questions about time since last treatment but it’s a pretty straightforward binary choice – “within the last 5 years” or “more than 5 years ago”. You’re then asked if you’re currently having or planning to have chemotherapy or radiotherapy, easy for most of us and then whether you refused to have chemotherapy, radiotherapy or surgery. They also ask the outcome of your most recent scan or x-ray – mine was stable, yours may not be. They also ask if you are taking strong painkillers and then lastly if you need assistance with day-to-day activities. For those with localised tumours (i.e. primary only) or regional spread (e.g. lymph nodes only), I suspect it will be a bit easier to get a quote online, i.e. more companies will quote for you than they did for me, and it should be cheaper too.

4. I had to declare all pre-existing conditions I was being treated for (i.e. at the time of applying for the insurance). In my own case, somatostatin analogue for the tumours, a pulmonary embolism, a side effect of my surgery and I remain on anticoagulants. There were others.  I did note some of them only changed the quote by a few quid, I guess some things are pretty common in the general population.  You don’t have to list the medication but be aware in the event of a claim, insurance companies can write to your GP etc. Each pre-existing condition will have sub-questions to answer, and this goes into the algorithm. Everyone might be different here (stage, etc).

5. Some companies will halt the online quoting process as they find things, i.e. their process calls a halt as they are unable to cover. The message tends to say “unable to quote”.  In these circumstances, always make sure you have entered something properly before dismissing the quotation. I was confident of what I had entered so I did not phone these companies up to ‘haggle’ – the questions would have been the same. Some people in patient groups say to call companies rather than do an online quote but in a patient group, be careful of thinking you can get cover because another patient did – it’s like comparing apples and pears as it is not just about ‘Neuroendocrine Tumours’, it’s about where you’re going, age, spread, comorbidities (i.e. other pre-existing conditions). Plus, if you call them, they will ask you the very same questions as you can do online. Although I had an online quote from the company I selected, they ran me though all the questions and said the quote is the quote.  But when I spoke to Insure With, they said sometimes it’s better to call if the online system rejects the request for cover and I suspect that might be their own internal policy plus their online algorithm is too rigid.

6.  Cruises. As mentioned elsewhere, I was looking for cover which includes a cruise.  When you go on a non-cruise holiday, the risk is all on you to get your cover in place.  With cruises, medical issues can be problematic for cruise companies.  I suspect this is due to the limited healthcare facilities onboard plus the cost and inconvenience to other passengers is someone needs a casevac or diverting the ship to the nearest port for assistance.  Consequently, there are processes in place prior to boarding to declare pre-existing conditions and provide evidence of insurance cover. Some cruise lines also identify a minimum cover you must have, this is mostly based on medical cover – my company insists on at least £2 million minimum, cover for emergency evacuations and medical expenses related to COVID-19 and cover for repatriation, cancellation and curtailment.  I’m fairly certain most cruise companies will have something similar. Whether possession of appropriate insurance is robustly checked before being allowed to board is not known to me, never been on a cruise before. I guess in the current pandemic, this may now be heavily policed.  I won’t be taking chances.

Which companies did I obtain or attempt to obtain quotes?

I selected companies that frequently come up in patient groups and on UK cancer org websites. I checked entries within my own patient community, on Neuroendocrine Cancer UK, and also Macmillan (covers all cancers and has a ton of information on insurance). Worth pointing out Macmillan do not recommend any particular companies. I whittled my list of companies down to around half a dozen and used online reviews to assess customer satisfaction plus if they specifically mentioned “pre-existing conditions” or “cancer” as a specialty.

I have a travel insurance policy with my bank account, had it for a long time. As you would expect with a bank account inclusive policy, it’s a low to medium risk affair in practice and I had already established some years ago, that they would not cover me for the cancer.  Everything else is fine. I did try to call them to enquire, where it was reiterated to me that they were a low to medium risk insurance.  Even after I told them I had to a low to medium risk cancer situation, they wouldn’t budge. I will return to that issue down a bit – because it became clear to me that to insurance companies and underwriters, cancer is a very broad-brush term and risk is also applied broadly across cancer types – and by default, so is cost. This is wrong.

I logged on and had my phone ready, here are the results. Bear in mind that it was based on my situation (including age, holiday location/type) – Neuroendocrine Tumour, metastatic to other organs, still being treated within the last 5 years, showing stable scans. Plus, a whole host of other stuff, some of which I covered above).  I used exactly the same info on all quotes, and I reiterate in regard to my quote experience below, some of these companies might still work for you if you have (say) a localised tumour and you have not been treated for more than 5 years and you latest scans show no evidence of disease).  My situation is the total opposite of that, but I know many people in the NET community are in the same boat as me.

I quoted for me as an individual on a single trip of one week on a cruise up the Norwegian Fjords, stopping at several Norwegian towns on the way. (I toggled cruise cover on every quote where it wasn’t standard cover and saw little difference in price).  Most companies have different levels of cover, e.g. increased liabilities, medical cover amounts, etc.  Most companies also offered an annual policy – these worked out about 2 to 3 times the value of the single quote I was looking for.  I would have been tempted to take out annual but still have 6 months cover left on my current annual policy.

Tip:  Do not accept a quote too quickly, most will follow up your online quote with an email.  Two companies followed up a few days later with discount offers.  However, in one example, despite taking 15% off, it ended up only being £3.57 as they only discount certain parts of the cover (extremely small print).  Watch out for that, it seems borderline criminal.  I called them to let them know how I felt as a customer.  In other examples of alleged discount, the quote still seemed extortion.

My own personal testing but a warning, this was done in 2021.  I might repeat it if I have the time

All companies listed below are linked to their websites. In addition to my bank provided insurance policy, the following companies were unable to quote in my case (they may work for you, but it didn’t for me):

1. Making Insurance Accessible (MIA) – not accessible for me!

2. Insurance With – They were not giving out any quotes when I checked on 9th Sep 2021 – this was a temporary situation according to a notice on their website.  I rechecked on 26th January 2022 and they had restarted quotes.   I found their quote layout in terms of questions was quite different to the 5 online quotes I was able to get below and more confusing.  In the end, their online quote system would not provide cover for me indicating their new quote system was more rigid than the others I was also checking.  I was contacted by one of their departments, who at least confirmed they were using a different model of underwriting than all the other companies who gave me a quote below. They gave me a quote over the phone, and while competitive in comparison to my selected company, it wasn’t 100% the same cover, but I guess it would have been adequate for my needs.  They were unable to quote for an annual policy even over the phone.  It appears they have sorted out some of their issues, it should be OK for most. 

I managed to successfully obtain an online quote with the following companies:

3. AllClear.

4. Staysure.

5. FreeSpirit.

6. GoodToGo

7. Avanti

Special Feature added 21 September 2024

I noticed this advert from The Co-op who promised you will get a quote for any condition “even if you’re 85 years old scuba diving in Bermuda Triangle”.  Cleary this will be individualised but worth a shot!  Check it out.

Travel Insurance | Single, Multi Trip & Annual Holiday Cover | Co-op (coop.co.uk)

Special insurance deals for UK Armed Forces Personnel and Veterans – added 2025

Click to read more

1. Always Read the Insurance Company Definitions, even ones that sound too good to be true like this one!

2. You must be a member of the Forces Pension Society to take advantage of this scheme.  Click here

My Assessment

Reminder – this is based on my own situation. I noticed fairly significant differences in quotes.  It was a bit of a minefield in that they all have different levels, I had to quickly assess the cover provided by each quote – some of them were pretty much the same or closely matched. In the end I went with AllClear based on reputation (reviews) and competitive price (in comparison to my other quotes).  Had I been buying an annual policy, I may have gone with StaySure who also had a competitive single trip price, a good reputation and were particularly competitive with annual policies. However, as a veteran, clearly I now opt for the Forces Pension Scheme product above.  I pay around £600 for worldwide joint cover for myself and my wife.

But remember, the prices in my quotes may be different from the prices in your quotes.  Your quotes will be based on you (not me or anyone else!).  A lot of people try to compare each other’s quotes online in my group but that is like comparing apples and oranges.  The quotes from insurance companies are not just based on NET, they are based on your age, all illnesses, where you are going, what mode of travel, e.g. cruise etc, how long, single trip or annual cover, yada yada yada.  Even if someone had the exactly the same NET diagnosis as you, you might not get the policy or for the same price, because you can fall short on all the other things.

WARNING.  Nothing in here is a recommendation.  We all need to assess our own risks.  The closer to home, the less risk there might be.  For example, and this is just me (not a recommendation for you), I’d feel there was less risk if I was just hopping over the English Channel for a weekend.  However, flying to the other side of the work for a two week cruise has major risks.  It is better to ensure  you are fully covered. As one real life example, during my holiday in Australia/New Zealand in Jan/Feb 2026, 3 people were medevac’d off our cruise ship.  Emergency helicopters are really expensive and probably anything else beyond the helicopter trip.

Are Cancer patients a cash cow for travel insurance?

When I saw the prices I was being quoted for a week’s cruise holiday from UK just up to Norway and back, I felt really angry, more so with some companies who wanted me to pay almost the price of my ticket.  I consider myself to be a low-risk cancer patient and someone who is quite fit and healthy.  I think I’m much less risk than many people who have non-cancerous conditions and who may have been offered cheaper policies in the same scenario.

I would love to meet with a representative of British travel insurers to explain my particular cancer, including grade and differentiation, the fact that stage IV is not the red flag it is for more aggressive cancers, it’s incurable but treatable, somatostatin analogues are not chemotherapy, etc etc (i.e. all the stuff I say on my social media and blogs). I’m fairly certain other cancers are similar in outlook and are similarly unnecessarily punished by insurance companies.

Here’s a quote from Macmillan Cancer in UK (I highlighted two sections):

“The story of cancer is changing. The UK population is ageing. As the risk of cancer increases with age, more people will be affected by cancer in their lifetime – one in two people born in the UK after 1960 will receive a cancer diagnosis. Improvements in treatment mean that people are now living longer after their diagnosis.

There are now almost 3 million people living with cancer in the UK. This figure is projected to reach 4 million by 2030. Cancer is increasingly about living with cancer, and many people require support several years after their initial diagnosis and treatment.”

It follows that people living with cancer will soon form a large consumer bases for holiday and travel including insurance.  Travel insurance companies need to update their risk assessments, definitions and they need start treating each cancer patient as an individual rather than the broad risk labels they currently apply.  In the case of my own cancer, it’s patently obvious to me they have no understanding of my cancer, and therefore have no understanding of me, the consumer.

In order that I could go on the holiday with my wife and with total peace of mind, I have been forced to pay an unnecessarily high price for a week on a boat. 

Conclusion:  YES – cancer patients probably are a cash cow. 

I also read through Martin Lewis’s website, his research is excellent, and I particularly liked his 9 tips below – click on the photo to go to this website article on Insurance Cover for pre-existing conditions. Tip 5 is relevant as I got a cheaper quote by removing Chris (my wife) from the cover, she was already covered on a policy which comes with our bank account.


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Thanks for reading.

Ronny

Check out my Glossary of Terms – click here

 

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By Ronny Allan

Ronny Allan is a 3 x award-winning accredited patient leader advocating internationally for Neuroendocrine Cancer and all other cancer patients generally. Check out his Social Media accounts including Facebook, BlueSky, WhatsApp, Instagram and and X.

6 thoughts on “UK Travel Insurance – please give cancer patients a break!

  • Just been through all this for our sons wedding, as I lost my annual cover through work when I retired last year. It’s definitely a licence to print money, used my GHIC and standard insurance from Avanti as we were only going to Austria for a week. Son had to use his card for a broken arm on the last day, they were excellent, so the card is definitely worth it😀

    • I outlined all of that in my blog post. I don’t recommend stuff, because the one I used (outlined in the post) may not be the best one for you. All I can do is offer what experience I had getting it but you will find some companies inside that can do online quotes which will give you an idea.

    • £414,around 40% of the cost of one fare on the trip. My current annual trip policy with full cover was around the same price last year but I will not be able to renew it in March. Some quote were 800/900! I think it’s extortion but I now have peace of mind.

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