Terminal Illness Travel Insurance With Specialist Cover
Being diagnosed with a terminal illness brings new considerations.
Sometimes, visiting a destination can become more important than ever.
AllClear is ready to help in this circumstance. While some travel insurers exclude cover for those with a terminal diagnosis, we may able to offer a quote – providing certain criteria are met.
This article will explain how you could get terminal illness travel insurance from AllClear.
Providing a doctor has confirmed that you are fit to travel; that a transport carrier is prepared to take you; and that your prognosis is not less than six months from the return date of travel.
The Key Benefits You Can Get
- All terminal medical conditions considered
- 24-hour medical emergency helpline
- Up to unlimited medical emergency expenses cover
- Up to $1,000 “medical inconvenience” benefit for when you are in hospital as an in-patient
- No age limit on AllClear Gold and Gold Plus policies
- Cancellation cover up to unlimited costs
- Personal belongings cover of up to $10,000
We’re pleased to state all these figures are per person and per trip.
What is the definition for a terminal illness?
A terminal prognosis can be defined as the following: the opinion of your doctor or consultant that a disease cannot be cured or adequately treated, to the extent that it is predicted to cause a shortened life expectancy.
This prediction of a shortened life expectancy is key to the definition, as incurable medical conditions are not necessarily terminal illnesses. If you are ever unsure of your diagnosis, please contact your doctor for confirmation.
What if the doctor has said you are unfit to travel?
Unfortunately, we are unable to go against medical advice, and would not be able to offer cover in this event.
However, if your doctor later confirms you are fit to travel again, we can seek to offer a quote.
Tips for Travelling With a Terminal Illness
• Find out if you’re able to travel to certain destinations. You are committing valuable time, effort and finances for your holiday, so you need to know if your destination is viable for your condition. It can depend on mode of transport, whether immunisations are required, and your treatment plan. Your doctor may be able to help with where and if you should travel
• Check out the healthcare quality in your destination. Will you be able to get the care you need if you become unwell? This is an essential part of planning your trip. Book safe in the knowledge you’ll be looked after whatever happens.
• Plan for unforeseen loss of medication. Bring more than you need and carry them on you. Also, bring along a note from your doctor and prescriptions if you need additional medicines.
• Let the airline know in advance if you have any special requirements. From early boarding and finding a suitable seat, to special dietary needs and organising oxygen, talking to the airline will improve your flight experience.