1 A practical guide to living with and after cancer
2 Getting travel insurance 1 Contents About this booklet 2 Travel insurance 4 How cancer can affect getting travel insurance 10 Finding travel insurance 13 Contacting insurance companies 20 Checklist and comparison table 26 If something goes wrong when you re away 30 Making a complaint 31 About our information 34 Other ways we can help you 36
3 2 Getting travel insurance About this booklet We no longer include details of particular travel insurance providers in this booklet or on the Macmillan website. This is mainly because: we found that feedback on companies varied substantially we received many queries and complaints from people affected by cancer about pricing, issues with getting cover and the level of customer service received. This booklet gives some general information about getting travel insurance. It also includes tips about finding travel insurance providers that may be able to offer you cover for your trip. It can be difficult to get travel insurance if you have cancer, or if you ve had cancer before. So it s best to look for travel insurance as early as possible. Ideally, you should start looking before booking your holiday. Travel insurance can be more expensive depending on where you are going. The USA and countries in the Caribbean usually cost the most. Certain types of holiday, such as cruises, can also be more expensive. You may find it useful to read our booklet called Travel and cancer. It gives information about planning a trip or travelling when you have cancer. You can order a copy from be.macmillan.org.uk or by calling the Macmillan Support Line on , Monday Friday, 9am 8pm. You can also talk to one of our financial guides. They offer guidance and support about personal finance issues, including insurance. Call our support line and ask to speak to a financial guide Monday Thursday, 9am 5pm, and 9am 4.30pm on Fridays.
4 About this booklet 3 In this booklet we ve included quotes from members of our online community (macmillan.org.uk/community) and people who have chosen to share their story with us. To share your story, visit macmillan.org.uk/cancervoices About this edition This edition includes new information about finding travel insurance providers that are right for your situation, and tools you can use to make your search easier. See page 13 for more information about finding travel insurance companies that other people affected by cancer have recommended. This page includes information about checking Macmillan s online community, where travel insurance is widely discussed.
5 4 Getting travel insurance Travel insurance You might be travelling for business, to visit family, or for a well-deserved break. Hopefully your trip will go well, but there is always a risk that something might go wrong when you re away. For example, you may: need emergency medical treatment lose your luggage need to cancel your holiday need to return home early. Travel insurance can give you financial protection if these kinds of things happen. This means that if something goes wrong and it s covered by your travel insurance, your insurance provider will pay you back for any related money you have had to spend. Or in some cases, they may pay the cost directly, for example, to a health service provider. It s important to have travel insurance if you re going abroad. But the decision about whether to buy travel insurance and what type of cover to get is a personal one. You should think carefully about the risks to your health and belongings when making these decisions.
6 Travel insurance 5 How travel insurance works Travel insurance providers will try to predict how likely you are to make a claim. They usually do this by asking you some questions. You may either be asked these questions on the phone, or by an online form, depending on how you are applying. The insurance provider will then use your answers to work out how likely you are to claim and how much that claim might cost them. They will also use their experience of previous claims. Travel insurance providers will generally ask: your age and the age of anyone else who would be covered by the insurance where you are going how long you are going for whether you have any activities planned for example, extreme sports whether you have, or have had, any health conditions (see page 10). The more likely the provider thinks you are to claim, the more they will ask you to pay for travel insurance. The whole process may not seem very personal, but the provider is assessing and pricing the possibility of you making a claim on any policy it may offer you.
7 We discussed it all with the oncologist and she was okay with the trip. I was a little worried, but we thought it was worth the risk and we had a great holiday. Debbie
8 Travel insurance 7 Premiums and excess payments The premium is the amount of money you need to pay for insurance. An excess is the amount you may need to pay towards any claim. You may need to pay an excess upfront before your insurer will deal with the claim. Or the excess may be deducted from the final claims payment. For example, if the excess on the policy is 50 and you make a successful claim for 250, the insurer may pay you 200. Travel insurance policies have different sections covering different events. For example, there may be a section about what might happen if you are injured. Another section may only apply if you lose your belongings. Depending on your insurance provider and its policies, there may either be: a single excess charge for any claim you make separate excess charges for each section of the policy when you claim. When there is a single excess charge per claim, this can mean you will pay less if you need to claim. Single-trip and annual policies Single-trip insurance covers you for one trip abroad. Annual (or multi-trip) insurance covers you for more than one trip in the same year. Annual insurance may be more difficult to get with a health condition and is generally more expensive. If you are planning more than two trips in the same year, annual insurance is worth considering, but you should first check if it s cheaper to get single-trip insurance for each trip.
9 8 Getting travel insurance Winter sports and activities If you re planning on doing winter sports such as skiing on your holiday, it can make it more difficult to get travel insurance. Travel insurance providers will generally ask whether you have any activities planned, and winter sports are considered high-risk activities. As a result, they may increase the premium or the excess. Standard travel insurance policies often do not cover winter sports. Instead you often need to include winter sports cover. The high cost of medical bills if you get injured on the slopes means that getting the right cover is crucial for this type of holiday. The same applies if you plan to do other activities or sports that carry a risk, such as diving, mountain biking or bungee jumping. It s important to check the details of any policy and make sure it specifically covers any activities you re planning. Some policies contain exclusions which mean you wouldn t be covered in certain situations for example, skiing off-piste without a guide or without a helmet. You can ask the provider if it s possible to extend a policy so that it covers any extra activities you re doing. If this isn t possible, you could look for suitable specialist policies these are sometimes advertised as activity travel insurance, adventure travel insurance or sports travel insurance. Remember to check that baggage insurance would cover loss of (or damage to) any sports or activity equipment you take with you.
11 10 Getting travel insurance How cancer can affect getting travel insurance When you already have a health problem before buying travel insurance, travel insurance providers call this a pre-existing condition. Providers typically consider pre-existing conditions to be: any serious condition such as cancer, heart trouble or respiratory problems any conditions you have seen a doctor about in the last year, including minor ones any condition you are waiting for test results for any condition you are waiting for an operation on. You should tell travel insurance providers about any of these that apply to you and ask for their guidance. If you don t tell them about any health problems, whether related to cancer or not, they may later refuse any claim you make. Depending on the travel insurance provider and your situation, they may charge you more if you have a pre-existing condition. Sometimes, they may not offer to insure you at all. Providers will differ about whether they can insure you and how much it will cost. They will use the information you ve given them to make these decisions. You may find it particularly difficult to get insured if you are currently having cancer treatment, or if you are terminally ill.
12 How cancer can affect getting travel insurance 11 When deciding whether to cover you and how much to charge, insurance providers will try to predict: how likely you are to cancel your holiday due to illness the potential cost of treatment you might have abroad, especially in the USA where treatment is more expensive. You may want to apply through an insurance broker if you have any pre-existing medical conditions. Brokers can take your details and then search insurance providers on your behalf. See page 14 for more information about brokers. Even if you had cancer a long time ago, it is important to let the insurance provider know, although this may not necessarily affect the price you pay. It s important to speak with your doctor to make sure you are medically fit to travel. Some travel insurance providers may not offer cover even if your doctor has said you re medically fit to travel. What travel insurance providers may offer Depending on your situation and the travel insurance provider, it s possible that they may not offer to insure you. If the provider is willing to insure you, they may offer you travel insurance: within their usual terms and conditions with a higher premium because you have or have had cancer with an excess with a cancer-related exclusion.
13 12 Getting travel insurance Cancer-related exclusion If your travel insurance policy applies a cancer-related exclusion, this means you would not be covered for any claims related to your cancer. Whether or not you are comfortable with this will depend on your situation. If your insurance provider applies an exclusion, you should make sure you understand exactly what you are and are not covered for. Always check with the provider if you are unsure. If someone close to you has cancer You need to tell the insurance provider if someone else s health may affect your trip for example, if your partner, relative or friend has cancer. This applies to someone travelling with you or someone at home. This is because there is a risk that your trip may have to be cancelled or cut short because of their health. There are often no specific questions on travel insurance application forms about the health of someone you know. But the terms and conditions of the policy may refer to someone else who might cause you to make a claim. So it s really important to read the terms and conditions carefully. You should also tell the provider if there are any health changes between taking out the insurance and travelling. This includes any changes in the health of the person you know with cancer, and your own. If you give all this information to your insurance provider in advance, you may be covered if you need to cancel the trip. This depends on the provider and the policy. Ask the provider as early as possible about this.
14 Finding travel insurance 13 Finding travel insurance By researching and asking around, you may be able to find travel insurance providers that can cover you. Some providers specialise in providing travel insurance for people with pre-existing medical conditions. Others are general travel insurance companies. Specialist companies are more likely to be able to provide you with full cover that includes problems related to your cancer. But in some situations, for example, if you had cancer many years ago, a number of standard travel insurance providers may be able to help. This part of the booklet explains where you can find contact details for travel insurance providers. Visit Macmillan s online community Perhaps the first place to check is Macmillan s online community. This is a free online forum for people affected by cancer. Travel insurance is one of the most widely discussed topics on the community. By reading the conversations happening there, you can find out which providers people are recommending. You do not have to join to read what people are saying. We have set up a conversation on the online community at tinyurl.com/travelrecommendations where we encourage you to share your experiences of getting travel insurance and recommend companies. Everyone is so supportive on the online community, they know exactly what you re going through. It can be fun too. It s not all just chats about cancer. Mal
15 14 Getting travel insurance Find insurance through a broker Insurance brokers do not offer insurance directly. Instead, they try to find a suitable travel insurance provider for you. You can find a qualified and regulated insurance broker through the British Insurance Brokers Association (BIBA). Visit biba.org.uk to search for a broker. You can also call or I expected to have difficulty getting travel insurance. But an insurance broker gave me a competitive quote for a two-week holiday and a good price for an annual travel insurance policy. I was pleasantly surprised that I could get cover and that it didn t bankrupt me. Mia Search for companies online If you have time, researching online could help you to find cheaper travel insurance. Try to compare as many quotes as possible. Remember that price is not the only factor to consider, as you ll also need to check the insurance is suitable for your needs.
16 Finding travel insurance 15
17 16 Getting travel insurance Helpful web pages Below are some useful pages that can help you start your search: Which? (which.co.uk) features a comparison table comparing cover for people with different medical conditions. Money Saving Expert (moneysavingexpert.com) includes general tips about buying travel insurance as well as some information for people with pre-existing conditions. Money Advice Service (moneyadviceservice.org.uk) gives general tips about what to look for in insurance policies and some information for people with medical conditions. The Association of British Insurers (abi.org.uk) you can find answers to commonly asked questions about getting travel insurance on its website. Comparison websites You can search online for travel insurance comparison websites. Comparison websites allow you to compare deals from different providers. This can be a quick way to search for relevant quotes. Some of these websites allow you to enter details of your medical condition before you search, which means you will only see quotes that are relevant to you. Remember that not all providers sell their insurance through comparison websites, so this will not show you all the providers that could help. Comparison websites are a good starting point but they focus on price. It s important to check the quality of the cover and whether it fits your situation always read the details of the policy before buying it, to make sure it suits your needs.
18 Finding travel insurance 17 Online searches Another way to look for travel insurance providers online is simply to type relevant terms into a search engine. For example: prostate cancer travel insurance. This usually brings up a mixture of information pages and providers offering travel insurance, some of which may be worth considering. When searching in this way, you should check that any organisations you aren t familiar with are trustworthy. Legitimate companies will be registered with the Financial Conduct Authority (FCA) and will have an FCA number displayed on their website. On the FCA website (fca.org.uk) you can type this number into the Financial Services Register to check the firm is allowed to do business. Other ways of checking deals While they do not always have suitable offers for people with pre-existing conditions, you can ask for insurance quotes from: supermarkets (they may have information leaflets about their insurance in stores) your credit card company your bank. Some people automatically have some degree of travel insurance cover through their bank accounts. This generally applies to people with premium bank accounts where they pay a small fee each month. When the account is set up, medical questions aren t usually asked and it is the account holder s responsibility to declare pre-existing conditions. This cover will not automatically include problems related to your cancer, so check with your bank to find out exactly what it includes and whether the cover can be expanded.
19 18 Getting travel insurance The bank may allow you to pay a top-up fee so that you are fully covered. This may be cheaper than buying travel insurance separately. For a monthly fee, our bank account includes worldwide travel insurance. When I told them I d had prostate cancer, they didn t raise the premium. Kevin Ways of applying for travel insurance Many insurance companies now allow you to apply for travel insurance, and give your medical details, through an online form. Others will need to speak with you on the phone. If you phone companies, there may be call charges and you may be on hold for a long time. Calling from a mobile phone may be more expensive. If you are concerned about the cost of calls from your landline, the website saynoto0870.com may help you find cheaper alternative phone numbers. These numbers let you reach the same companies for less. Expensive phone numbers often start with numbers that don t match a local area, for example, 0870 or 0845.
21 20 Getting travel insurance Contacting insurance companies It will make your search easier if you have certain information ready when you start looking for travel insurance. Whether you apply through an online form or on the phone, you may need to answer some difficult or upsetting questions. For example, the company may ask about the likely outcome of your cancer (the prognosis). The company may do this so it can decide whether it needs to ask you for more medical information. Depending on how you feel about answering these questions, you may want to get quotes from only a couple of insurance companies at a time. Over the next few pages, we ve included some of the things an insurance provider will want to know and also some of the things you might want to ask them. On pages there s a checklist where you can write down your answers to these questions to help you prepare for contacting companies. Personal information The names and ages of all the people you want to be insured by the policy. Some insurance companies will insist that family or friends travelling with you are insured on the same policy. Your address and contact details.
22 Contacting insurance companies 21 Information about your trip The country you re visiting, and the length and type of journey you plan to take. If you have a choice about where you travel, you may want to consider visiting Europe rather than North America because the travel insurance could be cheaper. How long you plan to stay abroad. How far in advance you re booking your trip. Some companies will charge you a higher premium if it s a long time until you go away. This is because they believe there could be a higher risk of you making a claim for cancellation. Any activities you ll be doing that might be considered a higher risk, such as skiing or other winter sports. In this case, you will need to get special winter sports cover. Medical information A travel insurance provider may ask whether you have a pre-existing medical condition, such as cancer (see page 10). If your answer is yes, you are likely to be asked more questions about this. Some companies call this their medical screening process. A travel insurance provider may ask you the following questions: How long ago were you diagnosed with cancer? Where is/was your cancer? Has your cancer spread? If so, where has it spread to?
23 22 Getting travel insurance Are you having treatment or taking any medication at the moment? This can have a big effect on the premium you re quoted. If possible, it s worth thinking about delaying your travel plans or limiting how far you travel, until after your treatment finishes. Have you had any surgery for cancer before? Do you have any planned treatment for cancer? If so, when? How many times have you seen a doctor (GP or cancer specialist) about your cancer? Some companies may ask you about the last time you visited your doctor for any reason, not just about visits related to your cancer. What symptoms or side effects do you have now? How advanced is your cancer? Some companies will ask you about your prognosis. This can be an upsetting question to answer, but prognosis may be one of the criteria that a company uses to decide who to cover. A medical screening process over the phone usually takes 5 10 minutes. If you have, or have had, other conditions as well as cancer, you may be asked similar questions about these. If you don t tell the company the information you are reasonably expected to know when you buy a policy, any claim you make could be refused. It s important to tell travel insurance providers about any health conditions that affect you or the people you are travelling with.
24 Contacting insurance companies 23 Different companies assess the results of the medical screening process in different ways. They will probably also differ in how much cover they ll offer you. So it can be worth comparing offers from different insurance companies or getting advice from an insurance broker (see page 14). Brokers don t supply insurance themselves, but they can do the search for you. Fit for travel letter from your doctor Some companies will ask for a letter from your doctor that says you re well enough to travel. GPs can charge you for this letter. They may be more likely to charge if the travel insurance provider contacts them to ask for a letter, so it s often best to ask your GP yourself. It may save time if you get the letter before contacting insurance companies. Taking medical equipment abroad If you need to take any special medical equipment with you on holiday, make sure your insurance will cover this. Existing policies You may already have travel insurance, for example a policy attached to your bank account (see pages 17 18). Make sure you read the terms and conditions carefully. The policy may not cover pre-existing medical conditions. You should let the company know if you have a pre-existing condition as this may affect your cover. Repatriation Repatriation means being transported home in an emergency. This may be covered by your travel insurance but the European Health Insurance Card (see next page) will not pay for it.
25 24 Getting travel insurance European Health Insurance Card (EHIC) The European Health Insurance Card (EHIC) entitles UK residents to free or reduced-cost emergency treatment when temporarily visiting certain European countries. You will get the same care as the people who live in the country you re visiting. This may not be the same as the care you d expect from the NHS. Some countries expect you to pay your bill when you re treated and then claim a refund with your EHIC. You should try to apply for a refund before you return to the UK. The EHIC is not an alternative to travel insurance. It will not cover any private medical costs, travelling to a country for health treatment, repatriation or help getting back to the UK. Travel insurance companies may offer a discount if you have an EHIC and are travelling to a country where it is valid. Some travel insurance providers will require you to have one before they can insure you. You can find more information about the EHIC and health advice for travellers online. Visit nhs.uk/ healthcareabroad if you live in England, Scotland or Wales or nidirect.gov.uk/travelling-abroad if you live in Northern Ireland. These websites explain which countries are covered by the EHIC. They also have information about non-eu countries that have mutual agreements to provide health services to visitors from the UK.
26 Contacting insurance companies 25 An EHIC lasts for five years once issued. If you already have an EHIC, check the expiry date to see if you need to renew it. You can apply for an EHIC, or renew an outdated card: online at nhs.uk/ehic by post, using an application form you download from the website by phoning the automated EHIC application service on Your card will normally arrive within seven days. The EHIC is free and renewals are also free. You should avoid any websites that charge you to apply for an EHIC or to renew it for you.
27 26 Getting travel insurance Checklist and comparison table Checklist This checklist includes some common questions travel insurance providers may ask you. Writing down your answers in advance could help you prepare for calling them, or for filling in their online application form. Name of traveller(s): Age(s): Travelling to: Length of trip: Health conditions: How long ago was the diagnosis: Where is, or was, the cancer: Has the cancer spread, and if so, where to: Any current treatments or any treatment planned: Any surgery in the past or planned:
28 Checklist and comparison table 27 Current medication: Current symptoms and side effects: How advanced is the cancer and is it terminal: Details of GP/hospital/specialist visits in relation to the cancer in the last year: Could the health of anyone else (either someone who is travelling with you or at home) possibly affect the planned trip? Any medical equipment needed for travel? Any winter sports, extreme sports or similar activities planned? Comparison table On the following pages is a table for you to compare the policies and quotes of different insurance providers. You can write down the contact details of each provider and some of the important aspects of their policy. In the final rows, you can compare the excess costs and the quotes that different providers give you. This may help you consider the best insurance policy for your situation.
29 28 Getting travel insurance Quote comparison table Company name: Contact details: Discount for EHIC? Cancellation covered? Exclusion for cancer? Exclusion for anything else? Excess: Quote:
30 Checklist and comparison table 29
31 30 Getting travel insurance If something goes wrong when you re away Make sure you take the insurance policy document and helpline number with you on your trip. If you become sick or injured while you re abroad, you should do the following: Find medical care and contact your travel insurance provider as soon as possible. They may be able to help you find appropriate care. Check whether you re in a country covered by the EHIC card (see page 24). If you are, take the card with you when you find medical care. Contact your tour representative if you re travelling on a package tour. Contact your nearest national consular office if you need more help. To search for contact details, visit gov.uk/government/world/organisations
32 Making a complaint 31 Making a complaint If you ve taken out a policy, occasionally you might be unhappy with the way you ve been treated. Or if you ve made a claim, you might be unhappy with the way it s been handled. In these situations, you should contact your insurer. All insurers have a complaints procedure. Once you ve contacted them, they ll explain what happens next. Following these steps can help you get problems sorted out more quickly: Contact the person you originally dealt with. If they can t help, say you want to take matters further. Ask for details of the official complaints procedure and find out who will be handling your complaint. It may help to put your complaint in writing. If you don t feel comfortable doing this, you could ask a relative, friend or carer to help you. If you re making your complaint in writing, write complaint at the top of your letter. Make sure you include important details such as your customer, policy or account number. You can also make your complaint by phone, but make sure you ask for the name of the person you speak to and their job title. Keep a note of this, along with the date and time of your call. Write down details of the conversation. You may need to refer to this later. Try to stay calm and polite, however angry or upset you are. This will help you explain your complaint as clearly and effectively as possible.
33 32 Getting travel insurance Keep things brief and to the point. Set out the facts clearly and in a logical order. Say why you re not happy and what you want the travel insurance provider to do about it. This will make it easier for them to look into the problem and sort things out. Send copies of any relevant paperwork you think will support your case. Keep a copy of any letters between you and the travel insurance provider. You may need to refer to them later. Don t expect immediate results. It may take time for some complaints to be investigated properly and resolved. By law, the travel insurance provider you re complaining about has up to eight weeks to sort out the complaint. You could also contact Macmillan s financial guides on or an organisation such as Citizens Advice for general guidance about complaining. Visit citizensadvice.org.uk or find details in your local phone book. If you still think you re being treated unfairly after you ve complained, you can have your case referred to the Financial Ombudsman Service. This is a free, independent service for consumers and an informal alternative to going to court. The Ombudsman will decide whether your complaint is valid by looking at the facts of the case. Insurers must obey its decisions. To submit a complaint to the Ombudsman, you firstly need to request a complaints form. You can do this through the website or by phone (see next page for contact details). You ll then need to fill in the form, sign it and post it back to the Ombudsman. You can also find impartial information and guidance about financial services from the Money Advice Service (see next page).
34 Making a complaint 33 Financial Ombudsman Service Tel from landlines or from mobile phones (Mon Fri, 8am 8pm, Sat, 9am 1pm) Can call you back if you re concerned about the cost of the call. Money Advice Service Tel (English) or (Welsh) (Mon Fri, 8am 8pm, Sat, 9am 1pm) Typetalk Runs a free financial health check service and gives advice about all types of financial matters. Has an online chat service for instant money advice.
35 34 Getting travel insurance About our information We provide expert, up-to-date information about cancer. And all our information is free for everyone. Order what you need You may want to order more leaflets or booklets like this one. Visit be.macmillan.org.uk or call us on We have booklets on different cancer types, treatments and side effects. We also have information about work, financial issues, diet, life after cancer and information for carers, family and friends. All of our information is also available online at macmillan. org.uk/cancerinformation There you ll also find videos featuring real-life stories from people affected by cancer, and information from health and social care professionals. Other formats We also provide information in different languages and formats, including: audiobooks Braille British Sign Language Easy Read booklets large print translations. Find out more at macmillan. org.uk/otherformats If you d like us to produce information in a different format for you, us at macmillan.org.uk or call us on
36 About our information 35 Help us improve our information We know that the people who use our information are the real experts. That s why we always involve them in our work. If you ve been affected by cancer, you can help us improve our information. If you d like to hear more about becoming a reviewer, org.uk You can get involved from home whenever you like, and we don t ask for any special skills just an interest in our cancer information. We give you the chance to comment on a variety of information including booklets, leaflets and fact sheets.
37 36 Getting travel insurance Other ways we can help you At Macmillan, we know how a cancer diagnosis can affect everything, and we re here to support you. No one should face cancer alone. Talk to us If you or someone you know is affected by cancer, talking about how you feel and sharing your concerns can really help. Macmillan Support Line Our free, confidential phone line is open Monday Friday, 9am 8pm. Our cancer support specialists can: help with any medical questions you have about your cancer or treatment help you access benefits and give you financial advice be there to listen if you need someone to talk to Call us on or us via our website, macmillan.org.uk/talktous Information centres Our information and support centres are based in hospitals, libraries and mobile centres. There, you can speak with someone face to face. Visit one to get the information you need, or if you d like a private chat, most centres have a room where you can speak with someone alone and in confidence. Find your nearest centre at macmillan.org.uk/ informationcentres or call us on tell you about services that can help you in your area.
38 Other ways we can help you 37 Talk to others No one knows more about the impact cancer can have on your life than those who have been through it themselves. That s why we help to bring people together in their communities and online. Support groups Whether you are someone living with cancer or a carer, we can help you find support in your local area, so you can speak face to face with people who understand. Find out about support groups in your area by calling us or by visiting macmillan.org.uk/ selfhelpandsupport Online community Thousands of people use our online community to make friends, blog about their experiences and join groups to meet other people going through the same things. You can access it any time of day or night. Share your experiences, ask questions, or just read through people s posts at macmillan.org.uk/ community The Macmillan healthcare team Our nurses, doctors and other health and social care professionals give expert care and support to individuals and their families. Call us or ask your GP, consultant, district nurse or hospital ward sister if there are any Macmillan professionals near you.
39 38 Getting travel insurance Help with money worries Having cancer can bring extra costs such as hospital parking, travel fares and higher heating bills. If you ve been affected in this way, we can help. Financial advice Our financial guidance team can give you advice on mortgages, pensions, insurance, borrowing and savings. Help accessing benefits Our benefits advisers can offer advice and information on benefits, tax credits, grants and loans. They can help you work out what financial help you could be entitled to. They can also help you complete your forms and apply for benefits. Call us on to speak to a financial guide or benefits adviser, or to find out more about Macmillan Grants. We can also tell you about benefits advisers in your area. Visit macmillan.org.uk/ financialsupport to find out more about how we can help you with your finances. Help with work and cancer Whether you re an employee, a carer, an employer or are self-employed, we can provide support and information to help you manage cancer at work. Visit macmillan.org.uk/work Macmillan Grants Macmillan offers one-off payments to people with cancer. A grant can be for anything from heating bills or extra clothing to a much-needed break.
41 40 Getting travel insurance Disclaimer We make every effort to ensure that the information we provide is accurate and up to date. Macmillan cannot accept liability for any loss or damage resulting from any inaccuracy in this information or third-party information, such as information on websites we link to. We do not offer travel insurance, recommend any broker or insurance company, or undertake searches to find companies or brokers. We cannot investigate complaints about any companies that are contacted. Some photographs are of models. Thanks This booklet has been written, revised and edited by Macmillan Cancer Support s Cancer Information Development team. It has been approved by Neal Southwick, Macmillan Financial Support Programme Lead. With thanks to: Mike Powell, Insight Analyst General Insurance, Defaqto; Andrew Woolgar, Policy Adviser General Insurance, Association of British Insurers; and the people affected by cancer who reviewed this edition.
42 Other ways we can help you 41 Sources We ve listed a sample of sources used in the publication below. If you d like further information about the sources we use, please contact us at Association of British Insurers. (accessed 1 October 2014). Financial Ombudsman Service. (accessed 11 November 2014). Money Advice Service. (accessed 1 October 2014). NHS. European Health Insurance Card. (accessed 11 November 2014). NHS Choices. (accessed 11 November 2014). NI Direct. Travelling abroad. (accessed 1 October 2014).
43 Your notes and questions
44 Can you do something to help? We hope this booklet has been useful to you. It s just one of our many publications that are available free to anyone affected by cancer. They re produced by our cancer information specialists who, along with our nurses, benefits advisers, campaigners and volunteers, are part of the Macmillan team. When people are facing the toughest fight of their lives, we re there to support them every step of the way. We want to make sure no one has to go through cancer alone, so we need more people to help us. When the time is right for you, here are some ways in which you can become a part of our team. 5 ways you can with help someone cancer Share your cancer experience Support people living with cancer by telling your story, online, in the media or face to face. Campaign for change We need your help to make sure everyone gets the right support. Take an action, big or small, for better cancer care. Help someone in your community A lift to an appointment. Help with the shopping. Or just a cup of tea and a chat. Could you lend a hand? Raise money Whatever you like doing you can raise money to help. Take part in one of our events or create your own. Give money Big or small, every penny helps. To make a one-off donation see over. Call us to find out more macmillan.org.uk/getinvolved
45 Please fill in your personal details Mr/Mrs/Miss/Other Name Surname Address Postcode Phone Please accept my gift of (Please delete as appropriate) I enclose a cheque / postal order / Charity Voucher made payable to Macmillan Cancer Support OR debit my: Visa / MasterCard / CAF Charity Card / Switch / Maestro Card number Valid from Issue no Expiry date Security number Don t let the taxman keep your money Do you pay tax? If so, your gift will be worth 25% more to us at no extra cost to you. All you have to do is tick the box below, and the tax office will give 25p for every pound you give. I am a UK taxpayer and I would like Macmillan Cancer Support to treat all donations I have made for the four years prior to this year, and all donations I make in the future, as Gift Aid donations, until I notify you otherwise. I confirm I have paid or will pay an amount of Income Tax and/or Capital Gains Tax in each tax year, that is at least equal to the tax that Charities & CASCs I donate to will reclaim on my gifts. I understand that other taxes such as VAT and Council Tax do not qualify and that Macmillan Cancer Support will reclaim 25p of tax on every 1 that I give. Macmillan Cancer Support and our trading companies would like to hold your details in order to contact you about our fundraising, campaigning and services for people affected by cancer. If you would prefer us not to use your details in this way please tick this box. In order to carry out our work we may need to pass your details to agents or partners who act on our behalf. Signature Date / / If you d rather donate online go to macmillan.org.uk/donate Please cut out this form and return it in an envelope (no stamp required) to: Supporter Donations, Macmillan Cancer Support, FREEPOST LON15851, 89 Albert Embankment, London SE1 7UQ # 27530
46 More than one in three of us will get cancer. For most of us it will be the toughest fight we ever face. And the feelings of isolation and loneliness that so many people experience make it even harder. But you don t have to go through it alone. The Macmillan team is with you every step of the way. We are the nurses and therapists helping you through treatment. The experts on the end of the phone. The advisers telling you which benefits you re entitled to. The volunteers giving you a hand with the everyday things. The campaigners improving cancer care. The community there for you online, any time. The supporters who make it all possible. Together, we are all Macmillan Cancer Support. For cancer support every step of the way, call Macmillan on (Mon Fri, 9am 8pm) or visit macmillan.org.uk Hard of hearing? Use textphone , or Text Relay. Non-English speaker? Interpreters available. Braille and large print versions on request. Macmillan Cancer Support, December th edition. MAC4056. Next planned review Macmillan Cancer Support, registered charity in England and Wales (261017), Scotland (SC039907) and the Isle of Man (604). Printed using sustainable material. Please recycle.
This information is an extract from the booklet Getting travel insurance. You may find the full booklet helpful. We can send you a free copy see page 11. Contents Finding travel insurance Contacting insurance
Breast cancer and travel insurance Factsheet This factsheet suggests some points to bear in mind when you are looking for travel insurance. 02 Introduction Breast cancer and travel insurance 03 Some people
Keeping up with mortgage repayments This information is an extract from the booklet Housing costs, which is part of our Financial guidance series. You may find the full booklet helpful. We can send you
YOUR STEp-BY-stEP GUIdE to MAKING A WIlL This is part of a series of leaflets about making a will, leaving a legacy and inheritance planning. The other leaflets in the series are: Charitable legacies and
The Mind guide to insurance cover and mental health guide to insurance cover and mental health The Mind guide to insurance cover and mental health This booklet is for anyone who wants to know how a mental
This information is an extract from the booklet Insurance, which is part of the financial guidance series. You may find the full booklet helpful. We can send you a free copy see page 5. Contents What is
Financial guidance series 2015 2016 This booklet is part of a series of booklets about financial issues and cancer. The other titles in the series are: Financial planning Housing costs Managing your money
Travel insurance & cancer Why it is important to have travel insurance Travel insurance is designed to provide you with compensation for anything that could go wrong while you are away. Usually, this means
Managing bills and bank accounts This information is an extract from the booklet Managing your money day to day, which is part of our Financial guidance series. You may find the full booklet helpful. We
Your guide to cancer services in the Essex area We re here for you Cancer is the toughest fight most of us will ever face. But you don t have to go through it alone. The Macmillan team is in your corner.
Infosheet Travel insurance and myeloma You may find it harder, or more expensive, to get travel insurance when you have had a diagnosis of myeloma: some insurance companies assume that you are more likely
1 A guide to prostate cancer clinical trials In this fact sheet: What is a clinical trial? Why are trials done? What are trials looking into at the moment? How are clinical trials done? Should I take part
Planning your care and support Having a holistic needs assessment This information is from the booklet Planning your care and support Having a holistic needs assessment. We can send you a free copy see
This information is an extract from the booklet Self-employment and cancer. You may find the full booklet helpful. We can send you a free copy see page 6. Contents Maintaining your cash flow Reducing your
Work, Symptoms money and and practical lifestyle matters General information about benefits If you have Parkinson s, or care for someone who does, you may have some concerns about how you will manage financially.
A guide to different types of insurance and making a claim Introduction If you re living with a terminal illness, you may be able to make a claim on any insurance policies you have. This could be for medical
General information Travel Insurance and Cancer Travel Insurance and Cancer This factsheet is for people who have had cancer or who are currently receiving treatment for cancer and who need more information
This information is an extract from the booklet Help with the cost of cancer. You may find the full booklet helpful. We can send you a free copy see page 7. Contents Macmillan Grants Loans and grants from
Sorting out your estate before you die This information is an extract from the booklet Sorting out your affairs, which is part of the financial guidance series. You may find the full booklet helpful. We
TRAVEL INSURANCE MADE SIMPLE Working with the profession to simplify the language of insurance MAKE SURE YOU COVER UP IN THE SUN Whether you plan to soak up the sun in Spain, see the sights in Sydney or
Financial help for people with mesothelioma This information is an extract from the booklet Understanding mesothelioma. You may find the full booklet helpful. We can send you a free copy see page 7. Contents
Travel insurance guide Introduction Many people deeply regret not taking out travel insurance. They think their credit card accident cover, home insurance or private health cover is sufficient and often
The Mind guide to insurance cover and mental health 1 Contents page How do insurance companies decide who to insure and what to charge? 3 Risk assessment 3 Disclosure 3 Can insurers discriminate against
This information is an extract from the booklet Housing costs, which is part of our Financial guidance series. You may find the full booklet helpful. We can send you a free copy see page 7. Contents What
Your guide to cancer services in the Surrey, West Sussex and Hampshire area We re here for you Cancer is the toughest fight most of us will ever face. But you don t have to go through it alone. The Macmillan
BUPA BY YOU YOUR MEMBERSHIP GUIDE bupa.co.uk ABOUT THIS GUIDE Welcome to your Bupa By You guide. We know that insurance can be hard to follow. That s why we ve made this guide as simple as possible. You
New edition July 2010 Are you worried about your mortgage? Get advice now If you are struggling to pay your mortgage, act now to stop your situation becoming worse. Working with Citizens Advice Bureaux
Macmillan and Cancerbackup have merged. Together we provide free, high quality information for all. Making a complaint This fact sheet is for people who want to make a complaint because they re unhappy
the advice worker s guide how we can help follow us @financialombuds Financial Ombudsman Service financial-ombudsman.org.uk can t move things forward? If your client has a problem with a financial business
Confident living Managing your money Confident living series: Managing your money Managing your money Five top tips 1 Ask a shop what special offers they have. 2 Speak up for your rights, services should
Work and cancer financial issues This information is an extract from the booklet, Work and cancer. You may find the full booklet helpful. We can send you a copy free see page 7. Contents Taking time off
Take a closer look at your Prepayment Meter Your questions answered Let s talk about prepayment meters How do they work? This quick guide gives you lots of information about prepayment meters, such as:
Legal Ombudsman January 2014 Consumer Guide: Costs Ten questions to ask your lawyer about costs 1 The information in this leaflet is useful for anyone who is using, or thinking of using, a legal service.
Who we are and what we do What care do you provide? St Joseph s Hospice offers care to people living in North and East London. Our services include nursing and medical care, emotional support, practical
The heart that truly Forget-Me-Not Tribute Funds Make a donation to Alzheimer Scotland in honour of someone you love Whether you make one donation in someone s memory, or want to regularly fundraise in
AIG Life YourLife Plan Income Protection Key Facts Contents Page Welcome to AIG 3 Section A: About Income Protection A1 What is Income Protection? 4 A2 Income Protection aims 4 A3 How does Income Protection
A guide to putting your tax matters in order 2015-16 Introduction If you re ill or caring for someone who is, you may need to put your financial matters in order. This booklet explains how to handle your
Are you buying private medical insurance? Take a look at this guide before you decide 2008 2 Private medical insurance Private medical insurance 3 Contents 1. About this guide 4 2. What is private medical
Protection from discrimination, harassment and victimisation when you re self-employed This information is an extract from the booklet Self-employment and cancer. You may find the full booklet helpful.
This information is an extract from the booklet Managing your debt, which is part of our financial guidance series. You may find the full booklet helpful. We can send you a free copy see page 11. Contents
credit card Your Welcome Guide We d like to welcome you as a new Co-operative Membership credit card holder. Welcome This guide tells you all you need to know to make the most of your Co-operative Membership
Using a lawyer as you get older: Ten top tips www.legalombudsman.org.uk The information in this leaflet is useful for anyone who is considering using a lawyer but it may be particularly useful for people
Are you worried about prostate cancer? 1 Are you worried about prostate cancer? This information is from the leaflet Are you worried about prostate cancer? You may find the full leaflet helpful. We can
Treatment overview for primary bone cancer This information is an extract from the booklet Understanding primary bone cancer. You may find the full booklet helpful. We can send you a free copy see page
New edition July 2009 Are you worried about your mortgage? Get advice now If you are struggling to pay your mortgage, act now to stop your situation becoming worse. Working with Citizens Advice Bureaux
Managing your worries about cancer returning This information is for anyone who has had treatment to cure cancer and is worried about it coming back. It is an extract from the booklet Worrying about cancer
Work, money and practical matters NHS and Health Service costs If you have Parkinson s, you might have some concerns about how you ll manage financially. Although most of your healthcare will be covered
Your guide to cancer services in the South East London area We re here for you Cancer is the toughest fight most of us will ever face. But you don t have to go through it alone. The Macmillan team is in
Have you protected the most valuable things in your home? Protecting yourself as well as your home What s inside 2 A product to suit your life today, and in the future 4 Income Cover for Sickness 6 Critical
Joint and Several Liability. Partnership responsibilities. If you re going into business with partners, you need to know about Joint and Several Liability. This brochure highlights the main issues. Contents.
Ten questions to ask your lawyer about costs www.legalombudsman.org.uk The information in this leaflet is useful for anyone who is using, or thinking of using, a legal service. This could be for a whole
A guide to tax and National Insurance contributions IR121 Contents Introduction Retiring early National Insurance contributions 1 Get a state pension forecast 2 Income tax 2 Claiming your State Pension
Your guide to cancer services in the North West London area We re here for you Cancer is the toughest fight most of us will ever face. But you don t have to go through it alone. The Macmillan team is in
Payment Protection Insurance What is Payment Protection Insurance When you take out a loan, credit or store card, you're often asked to take out an insurance policy at the same time. The policy is meant
Problems paying your mortgage What you need to do now and how to get back on track Steps to take now What your options are Get free impartial advice The Money Advice Service is independent and set up by
The Social Fund Part of the Department for Work and Pensions What is the Social Fund? If you are on a low income and faced with costs that are difficult to pay for out of your normal income, the Social
April 2014 Contact Details We can be contacted at: The Pensions Advisory Service 11 Belgrave Road London SW1V 1RB Helpline 0845 601 2923 General Office 020 7630 2250 Fax 020 7592 7000 For enquiries, please
How to complain about a doctor England This booklet is for patients in England. Our procedures are the same throughout the UK, but healthcare and support organisations do vary. We have therefore also produced
Equity release Deciding whether equity release is right for you Money matters AgeUKIL6 Information and advice you need to help you love later life. We re Age UK and our goal is to enable older people across
LEGAL & GENERAL HOME FINANCE Guide to Lifetime Mortgages A lifetime mortgage could give you the freedom to really enjoy your retirement. We re delighted you re finding out more about lifetime mortgages.
Other options for dealing with your debts This information is an extract from the booklet Managing your debt, which is part of our financial guidance series. You may find the full booklet helpful. We can
Do you need extra help? We want to help our customers in any way we can. If you have a hearing or speech impairment you can use Text Relay (previously Typetalk) or Textphone on 08457 32 34 36 (lines are
Give me the facts Effective 10 November 2014 Contents Page Welcome 3 Discover the difference 3 Ways to bank 3 Making payments 5 Payments by cheque 8 Overdrafts 9 Switching Process 11 Additional information
Our personal current accounts Switch to First Trust Bank Ask at any branch 0845 6005 925 Welcome to First Trust Bank We offer you all the benefits you would expect from your bank; a great range of quality
Treatment overview for lung cancer This information is an extract from the booklet Understanding lung cancer. You may find the full booklet helpful. We can send you a free copy see page 5. Contents How
YOUR BANKING RELATIONSHIP WITH US Personal Banking terms and conditions July 2015 Changes to your Bank Account or Savings Account Conditions We are making some changes to the conditions that apply to our
Sometimes when your circumstances change, for example you work fewer hours, become sick, separate/ divorce, receive a cut in your pay, lose your job or have high bills to pay, life seems impossible. Don
How to complain about a doctor England This booklet is for patients in England. Our procedures are the same throughout the UK, but healthcare and support organisations do vary. We have therefore also produced
Your guide to cancer services in the Mount Vernon area We re here for you Cancer is the toughest fight most of us will ever face. But you don t have to go through it alone. The Macmillan team is in your
FLEXONE Terms and Conditions and How to use your account How this document works This document contains important information to help you understand the key features of the FlexOne account and to understand
How prostate cancer is diagnosed This information is an extract from the booklet Having tests for prostate cancer. You may find the full booklet helpful. We can send you a free copy see page 7. Contents
June 2015 Going to a Mental Health Tribunal hearing Includes: information about compulsory treatment and treatment orders information about Mental Health Tribunal hearings worksheets to help you represent
credit card Your Welcome Guide We would like to welcome you as a new Co-operative Membership credit cardholder. welcome This guide tells you all you need to know to make the most of your Co-operative Membership
Tubular breast cancer This booklet is for people who would like more information about tubular breast cancer. It describes what tubular breast cancer is, its symptoms, how a diagnosis is made and the possible
Personal Banking Bank Account Conditions. Applicable from 30 July 2015. Bank Account Conditions. This booklet contains the general conditions that apply to our personal bank accounts and some related services.
What happens if we ve paid you too much tax credits Code of Practice COP26 Contents Introduction 1 Mandatory reconsideration 1 When you should dispute an overpayment 2 How we work out the amount of your
Self-directed support Introduction This factsheet is intended for anyone who is currently receiving help from social services, or who may require social support in the future. The factsheet explains how
This information is an extract from the booklet Going home from hospital. You may find the full booklet helpful. We can send you a free copy see page 13. Contents What type of support am I likely to need?
REPAYING YOUR STUDENT LOAN Student Loans Company CONTENTS Page Introduction 3 Income Contingent Loans What is an Income Contingent Loan? 4 What happens during repayment and who do I deal with? 5 Income
questions about your packaged bank account If you re complaining about how a packaged bank account was sold, the details you give on this form will help your bank or the Financial Ombudsman Service better
AIG Life YourLife Plan Income Protection Cover Details Contents Page Welcome to AIG 3 Section A: The cover A1 Income Protection 4 A2 Waiver of Premium 12 Section B: Managing the cover B1 Paying for the
INSURANCE AND DIABETES People living with diabetes can encounter difficulties arranging insurance. Although diabetes can be treated, people with diabetes are more likely to develop medical complications,
If a young person or child has a certain type of cancer, their consultant may recommend they travel abroad to have a specialised form of radiotherapy called high-energy. High-energy isn t currently available
Reviewed January 2010 Insurance and diabetes Buying the right insurance policy can give you financial protection and peace of mind if the unexpected happens. Unfortunately, having diabetes can affect both
Welcome to NEST All the key information you need about being a member of NEST 2 Please write your NEST ID here: You ll find this number on the letter that came with this booklet. Welcome to NEST Building
Factsheet 66 August 2011 Resolving problems and making a complaint about NHS care About this factsheet The factsheet explains the approach to handling complaints about National Health Service (NHS) services,
What does the NHS Constitution mean for me? Can I get involved in decisions about my care? Why do we need an NHS Constitution? The NHS belongs to all of us The NHS is there for us from the moment we re
TRAVEL INSURANCE AND THE EUROPEAN HEALTH INSURANCE CARD A guide to travel insurance and the European Health Insurance Card for prostate cancer patients Alan Taylor July 2015 INTRODUCTION I was diagnosed
Making a complaint about the NHS in England The Health Service Ombudsman can carry out independent investigations into complaints made about poor treatment or service provided through the NHS. We are the