Cancer and travel health insurance: What coverage do you get?

Posted by northoftheborder @northoftheborder, Apr 19 2:00pm

For people who have active and/or advanced cancer, how do you handle health insurance when traveling outside your country with a serious pre-existing condition? Do you just self-insure (roll the dice), or pay extra for special coverage?

I'm interested in hearing from everyone, but especially from Canadians or Europeans traveling to the U.S., because that's where an unexpected hospital visit could really empty your retirement savings fast.

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@isadora2021

Great post. I was part of 2 successive global organisation meet ups in the US. My office in Australia encouraged me not to go both times because of the insurance problems. First while I was under treatment and next when I was in remission (NED) from incurable stage 4 appendix cancer. Extremely difficult to get cover (we couldn’t find it) and I wasn’t prepared to go without cover with the risk of self funding any hospital visit in the US. My oncologist helped me decide not to risk it. Australia is a long long way to fly home!!

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I live in Canada , Why leave Australia ?
We have travelled extensively all over Aus . - took the Ghan and Indian Pacific . Spent months in Coolangatta , Stayed on Dunk Island which got wiped out in a storm . Kangarro Island - a gem . The Barrier Reef and on and on . We loved everywhere .
Had I been younger , I am 84 + , my wife and I would have moved to this great country in a heartbeat .
Good Health - MATE .

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@clandeboye1

I live in Canada , Why leave Australia ?
We have travelled extensively all over Aus . - took the Ghan and Indian Pacific . Spent months in Coolangatta , Stayed on Dunk Island which got wiped out in a storm . Kangarro Island - a gem . The Barrier Reef and on and on . We loved everywhere .
Had I been younger , I am 84 + , my wife and I would have moved to this great country in a heartbeat .
Good Health - MATE .

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So glad you have managed to travel so extensively throughout Australia and had so many different experiences, including taking the wonderful Ghan and the Indian Pacific! It is a beautiful country and I live on the west coast in Perth. Indeed, I have travelled in Australia since being ill but given our vast distances and areas of “nothing” in the outback (you would have glimpsed that from the Ghan!) I have carefully kept close to where there are airports plus medical facilities.

I am also currently planning a trip next year to New Zealand as Australia and New Zealand have special reciprocal arrangements concerning healthcare.

The American trips I mentioned were merely examples of leaving to visit another country with extraordinarily high healthcare costs and without reciprocal arrangements.

It is a question of weighing risks and including my oncologist in that assessment.

I do long to visit Italy and Germany again one day but in the meanwhile I stay “close to home” where my health insurance without exclusions reaches.

Wishing you all the very best for more happy travels and hope you come and visit Australia again

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Wee loved Perth and out trip down the Swan River to Freemantle and Rottness Island . Parts of Freemantle ( The Old Jail ) and downtown buildings reminded me of New Orleans . We were in The Fenian Irish Pub on St. Patrisc's Day during the early stages of Covid - Crowded , NO MASKS IN SIGHT . We almost got stranded in Perth . We were on the last flight out of Perth via Hong Kong to Toronto , on Cathy Pacific Airlines . All flights Mon - Thurs. were cancelled . We spent 11 hours in Hong Kong Airport , keeping our fingers crossed that our flight to Toronto was not cancelled . Finally , we would love to visit Coolangattta again and visit Surfers Paradise just up the coast .
I have been mentoring a young Australian chap for over a year as he started a company to sell Squid Jigs - Jags in AU .
He lives in Adelaide and his company is LuckySquid . His jags are in major fishing outlets .
I have a background in Engineering & Business Turnaround / Restructuring . I am a former business owner of a Multinational .
Keep healthy - Brighter days ahead .
Manufacturing ( Metal ) Company .

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@isadora2021

So glad you have managed to travel so extensively throughout Australia and had so many different experiences, including taking the wonderful Ghan and the Indian Pacific! It is a beautiful country and I live on the west coast in Perth. Indeed, I have travelled in Australia since being ill but given our vast distances and areas of “nothing” in the outback (you would have glimpsed that from the Ghan!) I have carefully kept close to where there are airports plus medical facilities.

I am also currently planning a trip next year to New Zealand as Australia and New Zealand have special reciprocal arrangements concerning healthcare.

The American trips I mentioned were merely examples of leaving to visit another country with extraordinarily high healthcare costs and without reciprocal arrangements.

It is a question of weighing risks and including my oncologist in that assessment.

I do long to visit Italy and Germany again one day but in the meanwhile I stay “close to home” where my health insurance without exclusions reaches.

Wishing you all the very best for more happy travels and hope you come and visit Australia again

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Excuse my typing error at the end of my response -- A SENIOR MOMENT ( I am 84 + )

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@clandeboye1

Wee loved Perth and out trip down the Swan River to Freemantle and Rottness Island . Parts of Freemantle ( The Old Jail ) and downtown buildings reminded me of New Orleans . We were in The Fenian Irish Pub on St. Patrisc's Day during the early stages of Covid - Crowded , NO MASKS IN SIGHT . We almost got stranded in Perth . We were on the last flight out of Perth via Hong Kong to Toronto , on Cathy Pacific Airlines . All flights Mon - Thurs. were cancelled . We spent 11 hours in Hong Kong Airport , keeping our fingers crossed that our flight to Toronto was not cancelled . Finally , we would love to visit Coolangattta again and visit Surfers Paradise just up the coast .
I have been mentoring a young Australian chap for over a year as he started a company to sell Squid Jigs - Jags in AU .
He lives in Adelaide and his company is LuckySquid . His jags are in major fishing outlets .
I have a background in Engineering & Business Turnaround / Restructuring . I am a former business owner of a Multinational .
Keep healthy - Brighter days ahead .
Manufacturing ( Metal ) Company .

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@clandeboye1 Fabulous! I’m so glad to see that you spent time in Perth and Fremantle! It’s a long way to the east coast, and so many people don’t make it to our neck of the woods. I recently spent a week in Sydney with my best friend from childhood visiting from South Africa. Perth is a smaller precocious sibling of Sydney’s - many similarities. So kind of you to be mentoring and sharing your vast knowledge. You and your wife sound wonderful people! Hope you’re both doing well yourselves and wishing you happy days 🙏❤️‍🩹

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I can relate to the travel insurance issue. I planned a trip to Ireland from the US. I researched dozens of travel insurance plans. The few that cover pre-existing conditions are enormously expensive. I am going to roll the dice. It's a shame that the cost of coverage is prohibitive.

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@isadora2021

@clandeboye1 Fabulous! I’m so glad to see that you spent time in Perth and Fremantle! It’s a long way to the east coast, and so many people don’t make it to our neck of the woods. I recently spent a week in Sydney with my best friend from childhood visiting from South Africa. Perth is a smaller precocious sibling of Sydney’s - many similarities. So kind of you to be mentoring and sharing your vast knowledge. You and your wife sound wonderful people! Hope you’re both doing well yourselves and wishing you happy days 🙏❤️‍🩹

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Thanks for your kind thoughts . We were lucky the 1st time we visited Australia to attend a show at the Sydney Opera House - the main theater .
Once again - a Great City .
p.s. We are from N. Ireland , 60 + years ago . We lived for 22 years in the USA . ( New York State , Pennsylvania , Maryland and California ) our oldest son was born in Santa Monica , California .
We live in the most beautiful small town in Canada , Niagara-on-the-Lake . ( Lake Ontario ) Across the lake from Toronto , a 1 hour highway drive .
Keep well .
Remember : Today is the day you worried about yesterday . My mother never complained when she was ill .
When asked how she was feeling , her reply was : I'll feel better tomorrow .
Sounds like you have lots of tomorrows left - Enjoy everyday .

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@mentonette

I can relate to the travel insurance issue. I planned a trip to Ireland from the US. I researched dozens of travel insurance plans. The few that cover pre-existing conditions are enormously expensive. I am going to roll the dice. It's a shame that the cost of coverage is prohibitive.

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I know and read about people who rolled the dice . They came up snake eyes -- they lost their home . Read about the Canadian snowbirds who rolled the dice going to Florida and Arizona etc for the winter . Same story -- Hundreds of thousands in Medical Bills .

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@clandeboye1

I know and read about people who rolled the dice . They came up snake eyes -- they lost their home . Read about the Canadian snowbirds who rolled the dice going to Florida and Arizona etc for the winter . Same story -- Hundreds of thousands in Medical Bills .

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Insurance has so many loopholes that people rarely get claims paid unless they hire a lawyer. Even then, insurance companies have teams of lawyers to fight claims against one local lawyer.

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@mentonette

Insurance has so many loopholes that people rarely get claims paid unless they hire a lawyer. Even then, insurance companies have teams of lawyers to fight claims against one local lawyer.

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I agree - I responded to a fellow forum member addressing the same thoughts .
My son is a lawyer -- he has seen and heard it all .
Small claims they pay -- Big claims are 1st passed over to their " Claim Denied Dept. " .

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