It can be hard to get travel insurance when you have cancer. But there are insurance companies with special policies.
Finding a broker
An insurance broker can try to arrange a policy for you. Or they can give you a list of insurance companies with special policies for people with cancer or other medical conditions.
Brokers make a service charge. So it’s always best to make an informal approach to a few brokers before you make a decision. Satisfy yourself that they’re familiar with the concerns of people with cancer and know what’s available.
The British Insurance Brokers Association (BIBA) can suggest brokers who can look for travel insurance policies for people with cancer.
You’ll find some brokers and insurance companies below. But always make your own enquiries and find an insurer and policy you’re happy with.
Specialist insurance companies
Shop around for insurance and start well in advance of your planned holiday.
It’s worth getting quotes from well known or general travel insurance companies, particularly if you’re no longer having treatment and your cancer is in remission.
The companies we list may be useful for people with cancer, particularly if you are having treatment or have symptoms. Brokers might be able to offer better deals than individual insurance companies.
A list of insurance brokers
Provides cover for people with pre existing medical conditions, for single trip and annual policies. Travellers undergoing treatment might be able to get cover.
They can’t offer cover if you’re taking part in a clinical trial. They are also unable to offer cover for people who are expected to live less than 6 months after the holiday return date.
Phone: 0344 247 4749
Provides cover with no upper age limit for people with pre-existing medical conditions, for single trip and annual policies. They might ask if you are on a clinical trial.
They offer cover for anyone who is undergoing treatment or waiting for treatment, but they cannot cover people who have been ill for less than 6 months.
Phone: 01274 518 393
Offers travel insurance to any UK or EU residents with pre existing medical conditions. There is no upper age limit. They cannot offer cover for people who have been told that they have less than 6 months to live from the date of return from a trip.
Phone: 01926 680 319
A list of insurance agencies
Offers specialist travel insurance for people with cancer. They may not be able to offer cover if the cancer has spread. They are also unable to offer cover to anyone waiting to have surgery or inpatient treatment.
A very large insurance company called AXA underwrites their cover (this means AXA guarantees payment in case of financial loss).
Tel: 01223 446 914 (8.30am to 5.30pm Monday to Friday, 9am to 5pm Saturday)
Online enquiry form
Covers people with cancer for all destinations, including the USA. They will consider cover for people who are having treatment, waiting for treatment, taking part in a clinical trial and people with advanced cancer.
Their main requirements are that your condition is stable and your consultant gives approval for you to make the trip. They’ll need a form saying this.
Phone: 01252 780 190 or 0845 649 0190 (9am to 5pm Monday to Friday)
Provides travel insurance for people with pre existing medical conditions, including cancer.
Phone: 0330 606 1422
Specialises in providing travel insurance for people with pre existing medical conditions. They cannot offer cover for anyone who has been told that they have less than 6 months to live from the date of return. They might also not cover if you are having treatment that hasn't been approved by NICE.
Phone: 01708 339295 (9am to 8pm Monday to Friday, 9am to 5pm Saturday, 10am to 5pm Sunday)
A specialist travel insurance policy for people with pre existing medical conditions, including cancer.
You may be able to get a quote online, but they might ask you to phone them if they need more information about your current health. Phone for a quote if your cancer is advanced and you're no longer having active treatment, rather than trying online.
They are unable to cover people over 80 years of age if they have a terminal prognosis. They are unable to offer cover for the USA , Canada, China, Hong Kong or the Caribbean to people who have been told they have terminal cancer.
Phone: 0800 170 7704 (8am to 6pm Monday to Friday)
World First provides travel insurance for people with existing medical conditions. They provide cover for all destinations, including the USA, for many different types of cancer. They might also be able to cover you if:
- your cancer has spread
- you have had chemotherapy in the last three months or you’re having chemotherapy at the moment
- you are taking strong painkillers
- your cancer is unlikely to be cured
You can get a quote either online or by phone, by providing information specific to your cancer type and treatment.
Phone: 0345 90 80 161 (Monday to Friday 9am to 5.30pm, Saturday 9am to 4pm)
Towergate Insurance provides cover for a range of medical conditions, including cancer, on a case by case basis.
Phone: 0330 123 2249
MIA has designed a specialist policy called Clear2Go which insures people with more serious pre existing illnesses. It can be booked up to 2 months before you travel. You need a letter from your GP or specialist to say that you are fit to travel.
Phone: 0800 999 3333