- Some policies will not cover you if you have ever had a bone marrow transplant.
- Some travel medical insurance policies will not cover you if you have ever been diagnosed with lung cancer or metastatic cancer.
- Some travel medical insurance policies will not cover you if you wind up having to have chemo between the date you purchased the policy and your date of departure.
- I came across one plan that requires you to inform the company if there is a change in a previously stable pre-existing condition before your date of departure. The company will then decide if they wish to continue to honour your insurance policy, whether that be for the travel medical portion of your policy (which makes some sense) or for the trip cancellation portion of your policy (seriously not cool).
I will be writing a few reviews of policies in both Canada and the US, in order to give you all a feel for what is out there.
For me, travel is an artform. It is my favourite past-time. It's relaxing. It's exciting. It's educational and emotional. Travelling and planning to travel are some of my favourite ways to escape my every day stresses. So imagine the suckage when I realized that having had cancer could interfere with travel insurance coverage.