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Medical Forum / Diseases and Disorders / Cancer / July 2006

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Travel- UK'ers

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J - 21 Jul 2006 16:50 GMT
http://travel.guardian.co.uk/news/story/0,,1807823,00.html

Cancer sufferers denied travel insurance

Sandra Haurant
Wednesday June 28, 2006

Travel insurance is difficult or impossible to obtain for almost 90% of
cancer sufferers, a charity warned today.

The charity Cancerbackup said that 70% of people who tried to get an
insurance policy for a trip found the experience distressing. Some 90%
said they found it difficult or impossible to find travel insurance that
included cover for cancer.

The information and support charity said that people who had been
cancer-free for years were faced with "blanket bans" on cancer from
insurance companies or unaffordable premiums. As a result, people were
putting themselves at considerable risk by travelling without insurance.

Joanne Rule, chief executive of Cancerbackup, said: "Travelling without
cover for cancer can be a huge personal risk. We know anecdotally that if
you need to claim for any illness at all, there is a presumption by
insurance companies that it is related to your cancer, and you will need
to prove that it is not."

The research claimed that even though 70% of people surveyed had been told
they were fit to travel by their doctor, they were still quoted inflated
premiums.

One in ten respondents said they had been forced to cancel a trip because
they were unable to buy insurance, while one in 20 said they had travelled
uninsured.

An Association of British Insurers spokesperson said: "Specialist cover is
available in the market, and as long as people are fit to travel, even if
they have a terminal illness, they will be able to get travel insurance.
We would strongly advise anyone who is travelling to take out the
appropriate cover.

"Travel insurance is widely available and insurers are able to offer low
premiums because pre-existing conditions are often not covered. That is
the nature of this product."

The ABI added that it was concerned that Cancerbackup would discourage
people from getting the insurance they need. "Many cancer charities are
pointing people to providers who offer specialist cover," the spokesperson
said.

Ayesha Owusu-Barnaby, head of campaigns and public affairs at Macmillan
Cancer Support, said: "Sadly Cancerbackup's findings do not surprise us.
Cancer patients tell us there are huge inconsistencies in how they are
treated when applying for insurance; they are either refused point blank
or can only secure insurance with much higher premiums. This problem is
only set to get worse as there are now more than 1 million people in the
UK who have had a cancer diagnosis. The insurance industry needs to
recognise that not all cancers are the same and treat people accordingly."

Specialist companies such as Medi Travelcover and Free Spirit <see links
in the article> offer travel insurance to people with pre-existing medical
conditions including cancer. A full list of insurers can be found on the
Cancer Research website. <see links in the article>

Dr Krish Shastri of Medi Travelcover, which only provides insurance for
people affected by cancer, said the problem could have a deep impact on
cancer patients: "One tangible way of taking control of his or her life is
to take a holiday. Being refused insurance can have a terrible affect on
their moral."

However, premiums are nonetheless higher when pre-existing illnesses come
into the equation. A 48-year-old woman who has been diagnosed with breast
cancer in the last five years could pay £248.70 for 17 days worldwide
cover with Free Spirit. A standard policy for a woman the same age, with
no provision for pre-existing conditions, might only cost around £20.

The ABI said it had offered to discuss the issue with Cancerbackup.

_____________________
And read the fine print and see next post.
J
J - 21 Jul 2006 16:55 GMT
> http://travel.guardian.co.uk/news/story/0,,1807823,00.html
>
[quoted text clipped - 12 lines]
> _____________________
> And read the fine print and see next post.

http://www.cancerbackup.org.uk/Resourcessupport/Practicalissues/Travel

This section has been written to help anyone who has, or has had cancer and
would like to travel.

Difficulties with travel can often be avoided by good planning, and this
information aims to help you avoid or overcome any problems, so that you can
enjoy your travels and have a stress-free break.

It is important that you (and any health professionals looking after you)
consider any potential health problems and make a thorough and realistic
assessment of whether or not you are well enough to travel.

   *      Cancer
   *      Cancer treatment
   *      Travel services
   *      Travel and medical conditions
   *      Health care in the UK
   *      Medical conditions
   *      Health care abroad
   *      Getting travel insurance
   *      Vaccinations and immunisations
   *      Avoiding health problems
   *      Taking care in the sun
   *      Taking medicines abroad
   *      If you have a stoma
   *      Checklist
   *      Organisations
   *      Travel insurance

Health care while travelling abroad

   * In the EU
   * Outside the EU
   * E112
   * Costs of treatment
   * Contacting relatives if necessary
   * Hospice and support services abroad

In the EU

If you are travelling within the European Union, you are entitled to free or
reduced-cost emergency medical treatment if you have a European Health
Insurance Card (EHIC). You can get an application form for a European Health
Insurance card from:

   * post offices
   * by phoning 0845 606 2030
   * or online at www.ehic.org.uk

If applying by phone you will need to give the name, date of birth and
National Insurance number for each person you are applying for, so it can help
to have this information ready. It can take up to three weeks for the EHIC
card to arrive if you apply by post. It should be quicker if you apply by
phone (up to 10 days) or online (up to seven days). Keep the card safe,
preferably with your passport, when you are travelling.

Detailed information about the EHIC is available on the Department of Health
website: www.dh.gov.uk/travellers and in the booklet Health advice for
travellers, which is available from Post Offices. There is also information on
what is involved in getting treatment abroad in each country. This information
also has a list of non-EU countries which have some agreement to provide
emergency medical treatment to people from the UK. These include Australia,
New Zealand, the Channel Islands, some Caribbean islands, and most republics
of the former Soviet Union.

Outside the EU

In all other countries you will have to pay the full cost of any health care
that you have if you become ill. You are strongly advised to take out full
medical insurance to cover the cost of any treatment. Even in countries where
the UK has health care agreements, you will need a certain amount of
insurance.

The High Commission, Consulate or Embassy of the country you are visiting
should be able to give you information on the health care services available.

E112

If you know that you will need to have treatment during your time abroad, such
as blood tests, medicines or injections, you will need to take form E112 with
you. This applies in EU and non-EU countries. You can get form E112 from:

Department of Health – International Branch
Room 542A
Richmond House
79 Whitehall
London SW1A 2NS

Tel: 020 7210 4850

You will need to send:

   * a letter giving details of the treatment needed, and the dates of travel

   * supporting medical evidence from your GP
   * a copy of your European Health Insurance Card - EHIC (if travelling in
the EU).

Form E112 is only available where there is a need for on-going treatment. The
form has to be approved by the Department of Health and is not available on a
‘just in case’ basis.

It is necessary to make arrangements for transport, medical care and equipment
loans abroad before you travel. It can be helpful to take a letter from your
doctor containing a medical summary.

Costs of treatment

If you need to claim refunds for the cost of health care abroad, you need to
apply (in person or by post) to the relevant authority in the country you are
visiting. You must enclose the original invoices and documents.

If you wait to claim once you have returned to the UK, you should apply to the
Pensions and Overseas Benefits Directorate (MED) who will liaise with the
authorities of the other countries on your behalf (for contact details see the
Health advice for travellers booklet, available from post offices). The costs
will be refunded from the other country, but this may take a while to arrange.

Contacting relatives if necessary

Keep the names and addresses of friends and relatives with your passport so
that British Consular officials can contact them if their help is needed. If
you need to return to the UK quickly, contact British Consular officials. They
can usually arrange this for you, but you may need to pay the costs.

Hospice and support services abroad

The Hospice Information Service can give you information about hospice and
palliative care services abroad.
J - 21 Jul 2006 17:18 GMT
> > http://travel.guardian.co.uk/news/story/0,,1807823,00.html
> >
[quoted text clipped - 27 lines]
>
>     *      Avoiding health problems

Some problems can't be avoided/predicted.
For instance: Infections, clots, mucin production, bone fractures, spinal cord
compression and probably more.
J

http://www.cancerbackup.org.uk/Resourcessupport/Practicalissues/Travel/Medicalco
nditions


If you have a low immunity due to leukaemia, lymphoma, or because of recent cancer
treatment (such as removal of your spleen),

Some people with cancer may have a higher risk of developing blood clots
(thromboses) than other people.

There are a few reasons for this. One is that people with cancer often have
slightly higher numbers of platelets in their blood. Platelets are cells that help
the blood to clot. People with cancer may also have slightly higher amounts of
clotting factors. Clotting factors are proteins that are produced naturally in the
body and work with the platelets to form blood clots and prevent bleeding.

People with cancer also sometimes have lower levels of natural blood thinning
proteins (anticoagulant) in their blood, especially if the cancer is affecting
their liver.

Helpful hints - preventing blood clots

   * If you are worried that you may be at risk of developing a blood clot when
you travel, it is best to discuss this with your cancer specialist who can advise
you whether you need to have treatment that can help to prevent blood clots.
   * All air travellers should drink plenty of non-alcoholic fluids during
flights.
   * On any type of journey it is helpful to walk around or do leg exercises
regularly.

The risk of developing a blood clot is higher in particular types of cancer. Some
types of lung, stomach or bowel cancer produce a substance called mucin, which can
raise the risk of clots. People with cancers of the pancreas, ovary, lining of the
womb, and acute myeloid leukaemia (AML) have a slightly raised risk.

Sometimes, cancer treatments can increase the risk of blood clots. Some examples
of this are certain types of hormonal therapy for cancer, such as tamoxifen for
breast cancer, and stilboestrol for prostate cancer.

Discuss with your doctors whether you should wear special compression socks during
your travels.
figgertoes - 22 Jul 2006 00:19 GMT
I hope USA doesn't jump on THIS bandwagon.  The travel insurance
offered much peace of mind & was comprehensive with no exclusions for
cancer or any other medical problem provided it was purchased by the
time required.  Otherwise, it had so many ifs & buts it would have
hardly been worth buying at all imo.  Even with Socks'  cancer, we
never had a health claim.  We traveled far & wide.  Our premium was
based upon age & trip cost - just the parts they were insuring.  So
when we stayed with friends abroad, we had full coverage for the
premium on just the airfare.

Fig
 
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