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How serious illnesses affect your insurance costs

October is breast cancer awareness month. We explain how serious medical conditions such as cancer affect the price of your travel insurance.

If you have a serious medical condition, such as cancer, heart disease or epilepsy, it can dramatically affect the price of your travel insurance. In fact in many cases you may find your insurer refuses you cover altogether, or charge you hundreds, if not thousands, of pounds for your premium.  

This is because insurers view you as a much greater risk and more likely to place a claim than someone in good health.

However, the true risk is often not as high as you would perceive it to be, says Fiona Macrae, former breast cancer sufferer and operations director of Insurancewith, an insurance company which specialises in providing travel insurance to people with pre-existing conditions.

Here Macrae explains how her company helps people who are suffering from serious conditions find reasonably priced premiums.

Every year nearly 46,000 people are diagnosed with breast cancer in the UK, according to Breast Cancer Care. October is breast cancer awareness month, and today is the UK’s first ever secondary breast cancer awareness day. Secondary breast cancer can not be cured, only controlled.

1 comment so far. Why not have your say?

Ivor Nestegg

Oct 14, 2010 at 11:06

A very useful article.

Thank you.

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