Hey Mate When booking the cruises, did you know about the cancer ? And did you buy travel insurance at the time ? If so, my advice (personal and off the record, not representing any specific company) is simple: claim. The cancer was not a pre-existing medical condition at the time, because you didn't know about it. Now ? It's a "volatile" medical condition. Insofar as any condition that's hospitalised you in the past 12 months is automatically off the table for cover in most insurances. And yep, if you make a full disclosure when buying insurance, the companies are regrettably too conservative and will likely say "sorry, we cant" So, that leaves only a couple of options: - go anyway, uninsured (you personally carry the risk of stuff that might go wrong) - a person who didn't understand the disclosure questions and all that PDS stuff could buy a travel insurance online - if a claim were not medically related at all, it would likely just be paid out, if it were medical but no relationship whatsoever to cancer (eg, car accident), likely same - the cancer issue would probably go undetected. But if it were something like food poisoning or whatnot and her medical history came out, the insurer could potentially fold their arms and say "you didn't disclose, this is your problem, we are not financially liable!" I can't advocate sneaking around the complex and tricky terms & conditions surrounding insurance - but the reality is these companies all sell online, and they allow others to buy the insurance on your behalf, so disclosure mistakes happen all the time. If they say to your face "no we wont cover you", that is clearly their intent .. but in a large majority of insurance purchases, it's a quick 2 minute online transaction, and the policy is in place, with the insurer on the hook. But in any scenario, if there were a claim that clearly related to the cancer, there's a high likelihood that it would be challenged, and you'd have to plead ignorance on the duty of disclosure stuff built into these policies. It's a tricky area of insurance, I think the prevailing view is - dealing with cancer ? Put your holiday on hold and rest. BUT ... there's a bucket list aspect to this disease, and personally, if I had spent a massive amount of money for some lovely cruises, I'd find ways that enabled me to take my trip. (It's a shame if you didnt arrange insurance when slapping down your deposit on the cruises - in which case I'd probably claim and travel in a year or two when things are settled). Final note: if you don't get insurance and decide to still go, note that most of these insurance companies will resolve major emergency incidents on contract - basically they're monolithic insurers with big bucks and relationships, and you can ring their emergency assistance arms and say "I'm an aussie stuck in denmark, I don't have insurance but I need to organise an air ambulance and repatriation to australia as cheaply as possible" and they will do that on your behalf (you're on the hook for costs, but those costs can be tremendously mitigated given the networks & experience at play). Sorry, I can't give you a clear-cut black & white advice, just the ramblings of someone who knows a little about the industry and products. You need to weigh it all up and form a strategy on this. In your shoes, I'd find a way to go and take as much joy in the trip as I can (unless her cancer made it non-viable). Seriously, cancer treatment does give you horrible waves of fatigue. I'm more than 2 years out and I still get awful depleting waves of fatigue that can shut me down out of nowhere.
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