Travel Insurance For Skin Cancer Patients
When travelling to hot and sunny destinations, understandably you will want to take measures so not to aggravate an active cancer or increase the chances of a previous skin cancer returning, but regardless of how vigilant you plan on being, having a skin cancer travel insurance policy that will protect you in the event of a flair up or medically related complication abroad is essential, not only for peace of mind, but to cover the costs if you need to receive treatment or medical assistance.
Will Having Skin Cancer Increase The Premium?
It really depends on the type of skin cancer and your current health situation at the time of applying for cover. You will need to declare the names of your diagnosed medical conditions and answer some multiple choice questions, allowing insurers to complete a fair assessment. You can do this right here online using our in-built medical screening facility. Simply hit the ‘Compare Quotes Now’ tab at the top of this page and we will guide you step by step helping you to find a skin cancer travel insurance policy that meets your criteria.
By telling insurers about a past condition doesn’t mean they will load the premium. The majority of insurers will ask if you have EVER had a diagnosis of cancer, so even your lesions have been completely removed or destroyed, and you have been cancer free for a number of years, you must comply with insurers’ terms and conditions, notifying them of your medical history in order to obtain a valid policy.
Insurers also base their quotes on age, destination and duration of your trip, paying particular attention to countries that operate high levels of privatised health care. The cost to receive medical treatment in areas such as the USA, Canada, the Caribbean, Spain, Canaries, Balearics, Cyprus and Malta for example, are likely to be higher, which tends to put premiums up and in some cases, results in cover being declined.
I’m Not Sure What Type of Skin Cancer I Have/ Had?
Before applying for skin cancer travel insurance, you will need to know the specific type you have been diagnosed with. This will be noted on your medical records, so a quick call to your doctor to find this out in advance will save you some time.
The most common form of skin cancer, according to the British Skin Foundation, is basal cell carcinoma, and is often diagnosed in middle and old aged people. Due to exposure of sunlight, basal cell mainly affects areas of the face, nose and neck.
Malignant melanoma is the type cancer that often develops from moles caused by exposure to ultraviolet light, and squamous cell carcinoma, again caused by the sun and UV light, can occur on any part of the body, and particularly seen in areas that have been sunburnt in the past.
Finding Affordable Skin Cancer Travel Insurance
Receiving a diagnosis of cancer doesn’t mean you should give up on finding competitively priced travel insurance with skin cancer cover. Yes, a recent diagnosis and ongoing treatment may make cover more difficult and expensive to find, but shop around, don’t accept the first quote you’re given. To save you time and money, you can compare over 40 specialist insurers all in one place here on MedicalTravelCompared.co.uk. If you get stuck, feel free to give our experts a call.