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Breast Cancer travel insurance

Breast cancer is the most common cancer in women in the UK, with over 45,000 people being diagnosed every year. No matter how common breast cancer is when you are diagnosed it is a complete shock and turns your world upside down. The treatment can be gruelling and many people plan a holiday during a break in treatment or at the end of treatment, however this can be problematic due to the difficulty in finding breast cancer travel insurance at an affordable premium.

insurancewith breast cancer travel insurance was devised by someone with personal experience of breast cancer; you can read her story here. Our cancer travel insurance policy covers all the standard things like:


  • Lost baggage
  • Delayed flights
  • Legal expenses
  • Personal accident cover
  • Missed departure

It can be confusing trying to understand insurance policies and making sure they are suitable for your needs. We offer a specialist cancer travel insurance policy for you and your family that is easy to understand.

You can discuss your breast cancer diagnosis and treatment with one of our trained medical screening advisers who offer confidential friendly advice about our policy, they will also explain to you all the important policy conditions before you purchase.

Our advisers specifically assess your condition which enables us to offer you an affordable tailor-made travel insurance for cancer, even if you have:

Helpful information::

insurancewith travel insurance with cancer cover offer policies for Europe as well as Worldwide, and specific cruise travel insurance, winter sport cover and we also have long stay or backpacker travel insurance for those wishing to go on an extended holiday.

Our travel insurance for medical conditions policy is designed with the customer in mind, therefore the policy also has a 24 hour emergency assistance company, which is Doctor led. So should you need treatment whilst abroad they can:

  • Liaise with your treating doctors in the UK
  • Authorise your treatment abroad
  • Give medical and practical advice
  • Arrange alternative flights for you and your family when you are fit to return home

Adenoid cystic carcinoma of the breast

Fewer than 1 in 100 breast cancers (1%) are adenoid cystic carcinomas, this is also known as or referred to as a cribriform cancer. This type of tumour tends to be slow growing.

Surgery is usually recommended to treat adenoid cystic breast cancers, and most women don’t need to have a mastectomy. The general surgery for this type of breast cancer is a lumpectomy. Adenoid cystic carcinoma of the breast rarely spreads elsewhere in the body, therefore the lymph nodes are not usually removed.Statistically the risk of this type of tumour coming back is low.

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Angiosarcoma of the breast

Angiosarcoma is a type of breast sarcoma; a sarcoma is a cancer that develops from the structural, supporting tissues of the body, such as connective tissue, bone, blood vessel or nerve tissue. Less than 1 in 100 breast cancers are sarcomas. Angiosarcoma is also sometimes called haemangiosarcoma; it starts in the cells that line the blood or lymphatic vessels. These cancers are more common in women in their 30s and 40s who have not yet had their menopause. The lump is usually at least 4 cm in size, and the skin over it may turn a bluish colour. The causes are not known however one possible cause in older women is chronic lymphoedema , which can develop if lymph nodes have been removed during breast cancer treatment or following a mastectomy and previous radiotherapy to the area
Back to the questions .

Basal type breast cancer

Basal type breast cancer was first identified in 2003. The breast cancer cells have particular genetic changes. Basal type breast cancers are often triple negative, which means that they don't have many receptors for oestrogen, progesterone, or Her2. So, hormonal therapies and don’t work for most basal type cancer cells, therefore other treatments are used instead.
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Inflammatory breast cancer

In inflammatory breast cancer, the cancer cells do not generally grow as a lump that can be felt in the breast. They grow along and block the tiny channels (lymph vessels) in the skin of the breast.

The body reacts to the cancer cells in the lymph vessels and the breast becomes inflamed and swollen (which is how the condition gets its name). Lymph vessels are part of the lymphatic system, which drain fluid from tissues and collect and filter out bacteria and any waste materials from the body’s cells.

Usually a combination of treatments is used for inflammatory breast cancer, and these may include:

Usually with breast cancer, surgery is the first treatment, however with inflammatory breast cancer; chemotherapy is given first, known as neo-adjuvant treatment.
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Lobular breast cancer

There are two types of lobular breast cancer

Lobular cancer in situ (LCIS) means that there are cell changes inside the breast lobes. This is not cancer; however having LCIS means that there is an increased risk of getting breast cancer in the future. Even so, most women with LCIS will not get breast cancer.

The other type of lobular breast cancer is called invasive lobular breast cancer, and this is different to LCIS.

About 10% of breast cancers diagnosed are invasive lobular carcinoma, which means that the cancer started in the cells that line the lobules of the breast and has spread beyond the lobules into the surrounding breast tissue. Invasive lobular cancer is most common in women between 45 and 55 years old, it is possible for men to get invasive lobular breast cancer, but this is very rare.

The treatment for invasive lobular cancer is usually surgery possibly followed by radiotherapy chemotherapy, biological therapy or a combination of treatments. Hormone therapy after surgery is offered if the cancer cells are oestrogen receptor positive
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Lumpectomy

A lumpectomy is when the surgeon just removes the cancerous lump and some breast tissue, the surgeon will just take away the cancer and a border of healthy tissue all around it, and they leave behind as much healthy breast tissue as possible. The tissue that is removed is sent to a pathologist for examination, the pathologist checks for cancer cells in the border around the lump. If that border does not contain cancer cells, the report will say there is a healthy margin or clear margin. It is very important to have clear margins with any surgery to remove a cancer, it means that there is a reasonable chance that all the cancer cells have been taken away, so the risk of the cancer coming back in the future is lower.

More surgery may be needed after a lumpectomy if there was no clear margin of tissue around the lump or area of cancer.

A lumpectomy is sometimes referred to as a wide local excision.

After any of these operations radiotherapy is generally prescribed to kill off any breast cancer cells that may have been left behind in the rest of the breast tissue.
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Lymphoma of the breast

Lymphomas of the breast contain both lymphoid tissue and breast tissue. People diagnosed with lymphoma of the breast will have further tests to check for lymphoma elsewhere in the body. The treatment for lymphoma of the breast is usually surgery to remove the lump, then chemotherapy possibly followed by radiotherapy.
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Mastectomy

A mastectomy is the removal of the whole breast, and is the most suitable treatment if you have.

  • A large lump, particularly in a small breast
  • A lump in the middle of your breast
  • More than one area of cancer in your breast
  • Areas of ductal carcinoma in situ in the rest of the breast
There are different types of mastectomy
  • A mastectomy removes the breast tissue (including the skin and the nipple) and the tissues that cover the chest muscles
  • A skin saving mastectomy removes breast tissue, but the skin remains to reconstruct the breast. This is only possible if the surgeon is confident that the cancer is not near the skin and there is going to be an immediate reconstruction
  • A radical mastectomy also removes the muscles of the chest wall
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Medullary Breast Cancer

Medullary breast cancer is a rare type of breast cancer, accounting for approximately 5% of all breast cancers. It is an invasive cancer which means it has the potential to spread to surrounding breast tissue and to other parts of the body. It is more common in women who inherit a faulty copy of the BRCA 1 gene.

The treatment given for medullary breast cancer is surgery chemotherapy, radiotherapy, hormone therapy and targeted therapy .Targeted therapy is usually prescribed after and chemotherapy treatment
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Metaplastic breast cancer

This type of breast cancer is a mixture of two cell types. The cells have started out as one cell type, such as an adenocarcinoma, which is a type of cancer that starts in glandular tissue of the breast, and then some of them have changed into another type of breast cell.

Doctors treat metaplastic cell cancers in the same way as other breast cancers. For example surgery chemotherapy and radiotherapy however metaplastic breast tumours tend not to be sensitive to hormone therapy
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Mucinous (mucoid or colloid) breast cancer

Mucinous breast cancer is so called because when it is viewed under a microscope the cancer Cells can be seen to produce mucus. The mucinous breast tumours often have a jellylike appearance and feel; it is also called colloid cancer. Mucinous breast cancer accounts for less than two per cent of all breast cancers and generally has a better prognosis than most other outside the breast ducts or lobes). Studies have shown that with ‘pure’ mucinous breast cancer (when no other type of breast cancer is present) spread to lymph nodes (glands) in the armpit is rare.

For mucinous breast cancer, surgery is usually the first treatment offered a, lumpectomy or wide local excision The Surgeon may also remove some of the lymph nodes, which is called a lymph node sample or remove all of them which is known as a lymph node clearance, this is done in order to find out if the cancer has spread to the lymph nodes. Should cancer be found in the lymph nodes adjuvant treatment may be prescribed. Adjuvant treatments are treatments given in addition to surgery and can include chemotherapy radiotherapy, hormone therapy and targeted therapies.
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Papilary breast cancer

In a papillary carcinoma, the breast cancer cells are in a pattern that looks a bit like the shape of a fern. Papillary tumours tend to affect older women, and can also be non cancerous (benign).

Papillary breast cancer is normally treated with. These cancers tend to be slow growing, and don’t usually affect the lymph glands.
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Phyllodes or cytosarcoma phyllodes

Phyllodes is a type of breast sarcoma that can be either cancerous (malignant) or non cancerous (benign). If cancerous, they may spread into the lymph nodes, however this is rare. Phyllodes are usually treated with, radiotherapy. Chemotherapy is rarely used.
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Reconstruction

Breast reconstruction is an operation to make a new breast shape after mastectomy, or to improve the breast shape after lumpectomy

The aim of breast reconstruction is to match the remaining natural breast as closely as possible. This can either be done by using an implant, which is put under the skin and muscle that covers the chest, or by using skin, fat (and sometimes muscle) from another part of the body to create a breast shape. A combination of these techniques is sometimes used. The type of reconstruction used is dependent on:

  • how much of the breast tissue has been removed
  • how healthy the tissue is at the planned operation site
  • whether or not radiotherapy has been used to the breast area or chest wall
  • general health and body build
  • personal preference
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Stage 4 breast cancer

Stage 4 breast cancer is sometimes called metastatic breast cancer or secondary breast cancer, and is usually marked by the disease spreading to multiple areas of the body. At stage 4, breast cancer is no longer considered curable, however if the treatments given are effective, people with stage 4 breast cancer can live for many years after diagnosis.
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Tubular breast cancer

Tubular breast cancer is quite rare, accounting for 1-2% per cent of all breast cancers. It is called tubular breast cancer because the cells under the microscope look elongated and tube-like. Tubular breast cancer is an invasive type of cancer, which means it has spread from the ducts in the breast into the surrounding breast tissue. The majority of tubular cancers are found on screening mammograms and cannot be felt, and therefore do not have any symptoms. However it may be noticed as either a change in the feel or appearance of the breast. Tubular breast cancer is much more common in women over 50, however it can occur at any age, and can also occur in men, although this is very rare.

As for most types of breast cancer, surgery will usually be the first treatment. This could be a mastectomy or a wide local excision, sometimes called breast conserving.

It is also important to find out whether the cancer has spread to the lymph nodes and to this end the surgeon removes some of the lymph nodes, which is called a lymph node sample or all of them which is called a lymph node clearance. Should cancer be found in any of the lymph node samples further treatment may be prescribed.

The treatments given in addition to surgery can include chemotherapy, hormone and targeted therapies. The aim of these treatments is to reduce the risk of the cancer coming back either in the same breast or developing a cancer in the opposite breast, or elsewhere in the body.

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insurancewith also support breast cancer charities The Haven, Pink Ladies and Fighting All Cancers Together (FACT) by donating £1 for every policy sold to one of our charities. The support of a charity can be invaluable when going through breast cancer, and in our small way we want to help these charities continue to carry on their valuable work. For a free quote please click here, if you are unsure of your requirements or need advice please contact us or call 0845 2 307 159 where a member of our team will be waiting to help.

 
Single trip travel insuranceCompetitive rates for all, whether you have a pre-existing medical condition to declare or not. Cover starts from as little as £16.18...
Single trip travel insurance information...
Cruise travel insurance Specialist cruise insurance with higher than average cancellation cover and ship to shore repatriation as standard...
Cruise travel insurance information...
Wintersports travel insurance Specialist winter sports travel insurance for skiing, snowboarding and other winter sports and will cover for medical conditions...
Winter sports travel insurance information...
Longstay travel insurance Specialist longstay travel insurance allowing for longstay single trips at cost effective prices whilst still being able to cover conditions...
Longstay travel insurance information...
Annual travel insuranceInsurancewith now has range of multi-trip travel insurance policies so that you can choose the policy that best suits your needs and budget....
Multi-trip travel insurance information...
 
Please read our recent testimonials from clients of insurancewith.com
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Thank you so much for your tremendous service

Dear Miriam (Customer service centre staff)

Thank you so much for your tremendous service in providing travel insurance for our daughter and her children. You were so professional, compassionate and wonderfully kind.

It has made such a huge difference to their lives. They had a holiday of a lifetime one they will never ever forget. It did our daughter so much good, the warmth, gentle snorkelling was natural physo and eased some of her aches and pains caused by radiotherapy.

The holiday gave her, her old confidence back and was a fantastic distraction. School said how much the children have benefited from the fabulous break, they are refreshed and revitalised.

I can’t thank you and Insurancewith enough for all you did for us. I can’t recommend the company highly enough and have told several people about you.

AC

The service was very good and part of the cost for the policy goes to cancer charities

My husband has terminal lung cancer and we are keen to travel as much as possible before his health deteriorates too much. We spent a long time looking around for suitable cover.

Some insurance just seemed too cheap, from generic insurance companies, others were very expensive. In the end we have used Insurancewith.com a company set up by an insurance professional who also suffered from cancer.

The service was very good and part of the cost for the policy goes to cancer charities as well. Many companies require letters from doctors or nurses and this itself can seem like an additional barrier to actually being able to go on holiday.

I hope other families don't have to spend as much, and effort, as we did looking for safe and secure insurance for loved ones who are ill but would really like a holiday.

- Mrs M, Norwich

Our trip was problem free

I suffer from myeloma (bone marrow cancer) and my husband has high blood pressure and an irregular heart beat. In both cases the conditions have been under control with medication forseveral years. Our daughter and her husband live in Singapore andlast Christmas offered us the air fare for a three week visit this year after my latest chemotherapy treatment. We never dreamed that our plans would be thwarted by problems obtaining insurance. We couldn't get anything we could possibly afford; quotations were in the region of three thousand pounds!

The article in The Daily Telegraph on Tuesday, March 30th, "Too sick to insure..?" came to our attention and we contacted insurancewith. The rest is history: we have recently returned from a wonderful three week holiday. The insurance cost us just £480, and as our trip was completely problem free we did not need to claim anything, so everyone was happy. The company's risk paid off and they made their profit, and we had that peace of mind which meant we were free of those worries which would have spoilt our holiday if we had been forced to risk travelling without insurance. Now that I am on my next course of treatment, I have all those wonderful memories to cheer me up and also able to visualise my family in their own environment as well as being able to chat face to face with Skype.

We are exceedingly grateful to insureancewith and have already written to the Daily Telegraph and sent notices to our GP surgeries and my hospital unit advising other patients of our experience. If we are lucky enough to have another chance to travel, we shall know where to go!
Yours, very thankfully,
SC

Speedy efficient and sensitive

I just wanted to thank you for Insurancewith's speedy, efficient and sensitive handling of my request for travel insurance to America. As I'm sure you know, many so-called 'specialist' insurers are unwilling to consider quoting for people with secondary cancer. I had actually given up on the plan to visit friends in America, after being given a starting price of £1000 by the one company who would consider insuring me - that was over twice the cost of my flight!

After hearing Fiona Macrae from Insurancewith talking on "Womens Hour", I decided to have one last try, and to my absolute delight, not only did Insurancewith agree to provide cover, but quoted £300. I have now returned relaxed, brown and happy and I have already recommended you to friends in the same situation as me, so thanks again.

Annie

We were amazed

I was diagnosed with cancer last year and the only thing to keep me going apart from my loving family and friends was the holiday we had booked for Sorrento in May this year. It wasn’t until I was talking to other members of my family that I realised that our yearly travel insurance wouldn’t cover me since my recent operation and current illness.

We never thought that our plans would be ruined by ridiculously high insurance quotes until we were recommended Fiona Macrae’s company Insurancwith. We were amazed that for a single trip it only cost us £26.00. The health screening question were easy to answer and within no time the insurance details were forwarded to me.

The holiday was a good tonic for us all especially knowing I was adequately insured if I should have a relapse whilst away. I am doing well and have recently booked another holiday for April next year and will of course be getting in touch with Insurancewith again.

A big thank you to Fiona and her staff at Insurancewith for making it possible for us to enjoy and afford our holidays again.

Mrs L. Suffolk

What would cancer sufferers and others with medical conditions do?

What would cancer sufferers and others with medical conditions do without the help of people like Fiona Macrae and her wonderful staff. I tried for several months to get a reasonable quote for holiday insurance with the usual stress of either being told that I could not have cover for my condition (Bladder Cancer) or the quote was high enough to cause me to think that I should just stay at home.

After reading an article about Fiona I got in touch and was surprised that she personally replied back. I contacted her staff and was delighted to speak with someone who made me feel that I had the right to travel insurance even with my medical history.

The questions were exactly for my condition and the quote was really great, that I booked straight away,and I have two days later received all the necessary paper work. Well done insurancewith long may we have contact and I hope you soon will be able to offer clients Annual Trips as well. I will certainly recommend your Company with pleasure.

Yours, very thankfully,
Mrs J G

Saved me almost £1460

I was made aware of Insurancewith through Patricia Peat who runs a wonderful organisation called Cancer Options. I have known Patricia for some years now and I follow her on Twitter. It was one of her Tweets that pointed me (and the rest of her followers) to your company.

I was diagnosed with breast cancer + liver mets in November 2007. In 2009 the liver mets disappeared, I then had breast surgery and have been cancer-free ever since. I walk, swim, eat nourishing food and meditate as often as possible. Quite simply, I'm fit and healthy. I do not present a greater risk to any insurance company. Frustratingly, what happened to me in 2007 hangs above me like the sword of Damocles. I held an annual medical policy pre-2007 but when I advised my insurers of my diagnosis they told me I was only covered for loss of baggage. So I went on holiday without medical insurance: 2008 (Cyprus), 2009 (Egypt), 2010 (Egypt) 2011 (Egypt) and May 2012 (Italy). And not once was I unwell!

The difference with the holiday I am taking in October is that the destination is the USA - to visit my beloved daughter who moved to LA in June. Imagine enduring a 13 hour flight to be denied entry because you don't have medical insurance. Way too stressful for anyone. So I went on-line to see what comparethemarket had to offer.

The screening process was hideous; it matched neither me nor my medical history. And the best quote was £1560. I felt very depressed. Then, within days, Patricia's Tweet arrived and the rest is history!

I really am most grateful to you for setting up this Company, not just because it saved me almost £1460 (which is brilliant, of course) but because the ethos of the Company is fantastic.

Professional and sympathetic

I recently got in touch with Insurancewith for holiday insurance. I had rang and e-mailed many insurances before coming across your company. Luckily for me Leanne Hall answered my call.

Over the last 2 years I have been suffering with cancer. I still have it. I wanted to go on a trip of a life time to America and Hawaii but was told by numerous insurances that the insurance would either be far too expensive or they just would not insure me. After speaking to Leanne and answering the medical screening questions she said she would call me back with a quote.

Leanne did. She has got me the appropriate cover for my travel and circumstances where other insurance companies could not.

This e-mail is to thank Leanne for her professional and sympathetic approach to my insurance needs. I had almost given up on my trip of a lifetime because of the other insurance companies.

Thank you Leanne Hall for making the whole process easy and without prejudice.

MS

 
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