" I guess what I'm saying is I don't disclose current health condition(s) " I want to be careful not to advocate any specific course of action, but note this advice about using credit card cover. Those credit card insurances are typically not .. great .. as far as terms and limitations go, and .. by not disclosing health conditions, you're technically in breach of your Duty of Disclosure. BUT .. they provide this 'set and forget' insurance, and it's easy for them to do, and from a business sense part of the cost of that is having to untangle 'tricky' claims where there has been a false / failed / incomplete disclosure. Anything unrelated to the cancer ? You claim is most likely going to be completely fine. Anything that may directly or indirectly be attributed to the cancer ? You may have some uncomfortable discussions with the insurance company regarding your improper disclosure, and where and how their liability ends. (And note that even if they outright refuse to be on the hook for the costs of claims, they are still experts in travel/medical emergencies, and can help you limit your costs). Every day, when people buy insurance, they answer "NO" to that question "Do you have a Pre-Existing Condition ?", and they get their insurance, unaware of the breach in their Duty of Disclosure. If you fell into that bucket, you'd have a policy, but if you had a cancer related problem, it would get messy. So .. don't travel against medical advice, and have enough money in the bank or equity in your mortgage that if something went cataclysmically wrong and it's cancer-related, you can deal with the emergency. Otherwise, the insurance actually wants you as a customer and wants to cover all those non-cancer claims, it's just a very murky and tricky area for all parties.
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Cancer Council NSW would like to acknowledge the traditional custodians of the land on which we live and work.We would also like to pay respect to elders past and present and extend that respect to all other Aboriginal people.