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.
Does Skin Cancer Affect Travel Insurance?
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 compare cancer insurance policies to meet 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 if 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.
Types of Skin Cancer
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.
There are three major skin cancer types. This includes basal cell carcinoma, squamous cell carcinoma and melanoma. Basal cell carcinoma and squamous cell carcinoma are both grouped together as non-melanoma types of skin cancer.
These types of skin cancer are all considered in the medical screening process before accessing the quote comparison engine.
Provided the cancer hasn’t spread, you will be asked whether you were initially diagnosed with these three skin cancer types or even whether you were first diagnosed with mycosis fungoides – which can be tumorous if it progresses beyond a certain point.
Based on this information we will seek to provide you with quotes for the most relevant and useful skin cancer travel insurance policies.
Basal Cell Carcinoma
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.
It is very important to take out a travel insurance policy if you have this type of skin cancer. By using our quote comparison engine, you can shop around and get an idea of what sort of cover you can get as well as value for money. However, the most important thing is that you get the most competitive level of cover over the most competitive price.
Once you declare basal cell carcinoma, you will be able to compare skin cancer travel insurance policies from a range of carefully selected insurers.
Once you purchase your bespoke basal cell carcinoma travel insurance policy, you can enjoy your holiday without fear of your condition costing you more than it should, if anything unplanned or unexpected happens while on holiday.
Melanoma Skin Cancer
Malignant melanoma is the type cancer that often develops from moles caused by exposure to ultraviolet light.
Given the nature of melanoma cancer and its relation to the sunlight, purchasing the right travel insurance is of the utmost importance – especially if you plan on travelling to a country where you’re likely to be exposed to high UV levels throughout the day.
With Medical Travel Compared, you can compare a variety of quotes from a range of different insurers for malignant melanoma travel insurance. Therefore, it’s very important to declare melanoma cancer as a condition at the start of our medical screening process.
We can then pull through a list of quotes tailored to provide you with the best levels of cover based on your personal situation.
Squamous Cell Carcinoma (SCC) Skin Cancer
Squamous cell carcinoma is the second most common type of skin cancer after basal cell carcinoma. Like the other two types of skin cancer, squamous cell carcinoma often develops through exposure to ultraviolet light.
It can form as scaly sores, warts and red patches on any part of the body – particularly in any areas that may have been sunburnt in the past.
Again, it’s important to declare SCC skin cancer at the start of our medical screening process. It’s also important to bear in mind that squamous cell carcinoma travel insurance may be affected if you are travelling to a country where UV levels are high.
However, the cover is always more important than the cost – and after you’ve entered the details we need from you, you can shop around and explore different quotes from up to 40 different leading insurance providers.
You can then decide on the best policy to suit you.
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.