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Please try again."></div> </div> </aside> </div> <div class="hero-area-wrapper"><div class="leadAsset section"> <div class="lead-asset component" itemscope itemtype="https://schema.org/ImageObject" itemprop="image"> <meta content="1280" itemprop="width"/> <meta content="800" itemprop="height"/> <meta itemprop="url" content="https://web.archive.org/web/20200207071717/https://www.telegraph.co.uk/content/dam/Travel/2020/February/cruise-holiday-xlarge.jpg"/> <div class="component-content"> <figure class="lead-asset__figure"> <span class="lead-asset-image-container"> <img class="responsive lead-asset__image" src="/web/20200207071717im_/https://www.telegraph.co.uk/content/dam/Travel/2020/February/cruise-holiday.jpg?imwidth=450" srcset="/web/20200207071717im_/https://www.telegraph.co.uk/content/dam/Travel/2020/February/cruise-holiday.jpg?imwidth=450 450w, /web/20200207071717im_/https://www.telegraph.co.uk/content/dam/Travel/2020/February/cruise-holiday.jpg?imwidth=900 900w, /web/20200207071717im_/https://www.telegraph.co.uk/content/dam/Travel/2020/February/cruise-holiday.jpg?imwidth=620 620w, /web/20200207071717im_/https://www.telegraph.co.uk/content/dam/Travel/2020/February/cruise-holiday.jpg?imwidth=1240 1240w, /web/20200207071717im_/https://www.telegraph.co.uk/content/dam/Travel/2020/February/cruise-holiday.jpg?imwidth=700 700w, /web/20200207071717im_/https://www.telegraph.co.uk/content/dam/Travel/2020/February/cruise-holiday.jpg?imwidth=1400 1400w" alt="It can be very difficult to obtain insurance cover for a holiday while undergoing cancer treatment" sizes="100vw,(min-width: 480px) 450px,(min-width: 730px) 700px,(min-width: 1008px) 620px"/> </span> <figcaption> <span itemprop="caption" class="lead-asset-caption">It can be very difficult to obtain insurance cover for a holiday while undergoing cancer treatment</span> <span itemprop="copyrightHolder" class="lead-asset-copyright"> <span class="lead-asset-copyright-label">Credit:</span> getty </span> </figcaption> </figure> </div> </div> </div> </div> </header> <span id="polar-ad-article-top"></span> <meta itemprop="datePublished" content="2020-02-06T09:40+0000"/> <footer class="article-author"> <div class="article-author__primary"> <div class="article-author__meta"> <div class="byline "> </div> <span class="article-date component "> <span class="component-content"> <time itemprop="datePublished" datetime="2020-02-06T09:40+0000" class="article-date-published">6 February 2020 • 9:40am</time> </span> </span> </div> <button class="follow-button" data-js="follow-button" hidden> <span class="follow-button__text" data-js="follow-button-text" data-options="{ "text": { "follow": "Follow", "close": "Close" } }">Follow</span> <svg class="follow-button__icon nav-direction-down-icon" xmlns="http://www.w3.org/2000/svg" width="32px" height="32px" viewbox="0 0 1792 1792"> <g> <polygon points="896,896 56,448 0,504 896,1400 1792,504 1736,448"/> </g> </svg> </button> </div> </footer> <article itemprop="articleBody" data-js="article-body" data-insert-mobile-adslot> <div class="articleBodyText section"> <div class="article-body-text component "> <div class="component-content"> </div> </div> </div> <div class="inlineContent version-1 section"> <div class="inline-content component version-1"> <div class="component-content"> <blockquote> It can be difficult to obtain cover after a diagnosis – but there are specialist firms that can help </blockquote> <h5>Jillian Ray writes</h5> <p><span class="m_first-letter">M</span>y husband and I are both 71 and have annual travel insurance with Marks & Spencer. During the year I was diagnosed with a very unusual form of cervical cancer, which I advised them of at the time. I am undergoing chemotherapy and, as yet, I have no idea of the long-term outcome.</p> <p>Before the diagnosis, my husband and I had booked a 10-day Hurtigruten cruise to Svalbard in Norway next June costing £8,000 each. My annual policy expires next month, but because of my cancer, M&S has refused to renew it to cover travelling to Norway. However, if I cancelled the trip now, it would allow me to claim back the deposit under the existing policy. I haven’t done this, as I still hope to go if I can obtain full cover. </p> <p>Is there a travel insurer that would cover this trip – or indeed another, less expensive holiday once I have completed my treatment? </p> <div class="htmlEmbed section"><div class="html-embed component "> <div class="component-content">  <div id="expertModal" class="expert-modal"> <div class="expert-modal-wrapper"> <div id="expertClose" class="expert-modal-close"> <img class="expert-modal-close-img" src="/web/20200207071717im_/https://www.telegraph.co.uk/content/dam/spark/internal-teams/travel/ask-the-experts-new-design/article2-template/img/close-window.svg"/> </div> <div id="expertAccess" class="expert-modal-access"> <h4>Get access to premium content</h4> <div class="expert-modal-login"> Already have an account? <a id="expertLogin" href="https://web.archive.org/web/20200207071717/https://secure.telegraph.co.uk/secure/login/?ICID=editorial_regwalllogin_generic_story_overlay-dynamic_paywalls_iv-1859481-dayPassAB_profile&redirectTo=">Login</a> </div> <div class="expert-modal-subscribe"> <strong>Subscribe for unlimited access</strong> <p>Become a member of the Telegraph Travel Club and access all the VIP benefits, including Ask the Experts and enhanced exclusive offers.</p> <a id="expertStartTrial" href="https://web.archive.org/web/20200207071717/https://premium.telegraph.co.uk/?ICID=generic_premiumsub_generic_generic_topnav&redirectTo=">Start free trial</a>  </div> <p class="expert-modal-unlimited">Want unlimited access to The Telegraph? <a href="/web/20200207071717/https://www.telegraph.co.uk/">View subscription options</a></p> </div> <div id="expertForm"> <script src="https://web.archive.org/web/20200207071717js_/https://xd.wayin.com/embed/977e5f0f-680f-48f8-8caa-a1e36870247b?mode=responsive"></script> </div> </div> </div>   <div class="experts-wrap-outside"> <div id="expertCta" class="experts-wrap-inside"> <div class="experts-wrap-image"> <div class="experts-content-group"> <div class="experts-subscriber"> <span>Subscriber Exclusive</span> </div> <div class="experts-title"> <span>Ask the experts</span> </div> <div class="experts-content-text"> <p> Do you have a travel question you'd like to put to our experts? </p> <span> Click here to submit it </span> </div> </div> </div> </div> <a href="https://web.archive.org/web/20200207071717/https://www.telegraph.co.uk/travel/telegraph-travel-club-terms-and-conditions" target="_blank" class="experts-terms">Terms & Conditions apply</a> </div>  <script type="text/javascript" src="/web/20200207071717js_/https://www.telegraph.co.uk/content/dam/spark/internal-teams/travel/ask-the-experts-new-design/article2-template/js/main-prod-2.js"></script> </div> </div> </div> <h5>Gill Charlton, consumer expert, replies </h5> <p>It can be very difficult to obtain insurance cover for a holiday while undergoing cancer treatment, even if this will be completed by the date of travel. I asked Mrs Ray to apply to insurers that offer specialist policies for those with serious pre-existing conditions.</p> <p>All Clear Insurance (0808 281 3762; <a href="https://web.archive.org/web/20200207071717/http://allcleartravel.co.uk/" target="_blank">allcleartravel.co.uk</a>) said cover for this trip under its Platinum policy would cost £2,500 for Mrs Ray and her husband. Given this high premium, I was surprised to see that its terms, under “Change in state of health”, say customers must tell them of “a change to an existing medical condition” or “a change in medication” and it reserves the right to “amend, restrict or cancel your cover”. Surely the insurer has assessed the risk – hence the high premium – so there should be certainty of cover if your oncologist says you are fit to travel. </p> <p>All Clear says its policy wording is “generic”, i.e. not specific to individuals, and only in rare cases would a change in health lead to an increase in premium or withdrawal of cover. </p> <p>Free Spirit (02392 419080; <a href="https://web.archive.org/web/20200207071717/http://freespirittravelinsurance.com/" target="_blank">freespirittravelinsurance.com</a>) recommended its “Super Duper” policy and quoted a much more reasonable £1,155 for this trip, comprising £491 for the base policy and an additional £694 for an extra £3,000 of cancellation cover. </p> <p>However, it too operates an ongoing medical declaration clause and admits there are times when it is unable to honour the policy, regardless of whether the attending consultant says the customer is fit to travel.</p> <p>Companies that do provide certainty of cover for those with cancer include Freedom Insurance (01223 446914; <a href="https://web.archive.org/web/20200207071717/http://freedominsure.co.uk/" target="_blank">freedominsure.co.uk</a>) which quoted the couple £1,354 and says all it subsequently needs from Mrs Ray is confirmation she is fit to travel.</p> <p>Insure Cancer (01252 780190; <a href="https://web.archive.org/web/20200207071717/http://insurecancer.com/" target="_blank">insurecancer.com</a>) takes a similar stance and will not withdraw cover in the event of a change in health once it is in place. It also insures those with a terminal prognosis. Each case is underwritten individually after discussions with the customer’s oncologist. Premiums fall nearer the time of travel but currently Mrs Ray would pay £700-£900 for her cover.</p> <p></p> </div> </div> </div> </article> <div class="listOfTags section"> <aside class="list-of-tags component "> <div class="js-settings" data-limit="20"></div> </aside> </div> <aside class="social-block block-heading" aria-label="Share this article"> <div class="social-block__share"> <div class="social-share" data-social-share="{'shareButtons':{'facebook':{'networkEnable':true,'account':''},'twitter':{'networkEnable':true,'account':'TelegraphTravel'},'pinterest':{'networkEnable':false,'account':''},'whatsapp':{'networkEnable':true,'account':''},'linkedin':{'networkEnable':false,'account':''},'email':{'networkEnable':true,'account':''}},'showCounters':false,'disableAutoClone':false,'disableStickiness':true}"> <ul class="social-share__list"> <li class="social-share__item social-share__facebook"> <a href="#" target="_blank" class="social-share__button" data-social-share-button="facebook" 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