Cancer Travel Insurance

Many people living with or recovering from cancer continue to enjoy holidays and travel, with any adjustments they may need to make along the way,

Finding travel insurance after a cancer diagnosis can sometimes feel challenging. Depending on your individual circumstances, cover options and premiums may vary, and it is not always easy to find a policy that meets your needs.

At Lighthouse Travel Insurance, we understand that every person’s medical history is different. Our medical screening process considers each traveller’s circumstances individually and, where possible, aims to offer travel insurance for people who have been diagnosed with cancer, subject to our underwriting criteria and policy terms, conditions and exclusions.

How easy is it for people with cancer to get travel insurance?

Finding travel insurance after a cancer diagnosis can sometimes feel challenging, but it may still be possible to arrange cover depending on your individual circumstances. Being flexible with your travel dates, destination or trip duration may also help to provide more options.

At Lighthouse Travel Insurance, we use Protectif, our in-house medical screening system, to help us better understand your medical history. Rather than simply asking about your condition, Protectif considers factors such as your treatment, medication and overall health to build a more complete picture of your circumstances.

Once your medical screening is complete, your information is assessed in line with our underwriting criteria to determine whether we are able to offer cover. Any cover offered is subject to our policy terms, conditions and exclusions.

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What cover do our policies offer?

Our Single Trip and Annual Multi Trip policies offer flexible travel insurance options for travellers who have been diagnosed with cancer, subject to medical screening and underwriting criteria.

Key benefits include:

Cancellation Cover: Up to £10,000 cancellation cover, based on the trip cost per person declared.
Trip Length Flexibility: Cover from 1 day to 18 months, is available. Limits may vary depending on your age, destination or medical condition – full details confirmed when you get a quote.
Emergency Medical Cover: Up to £10 million emergency medical expenses.
All Medical Conditions Considered: We consider cover for over 11,000 medical conditions, including cancers, respiratory and heart conditions.
Cover That Fits Your Budget: Our quote system will only present you with quotes that meet your needs, so you can choose a policy which best suits you.
Activities Included as Standard: Cover for over 100 sports and activities.
Personal Belongings: Up to £5,000 cover for you personal belongings, depending on the policy selected.
Air Doctor Connect: Access to Air Doctor Connect is available on numerous policies, allowing you to connect with over 20,000 doctors in 78 countries. Where non-urgent outpatient treatment is provided through Air Doctor Connect, your policy excess is waived, and you may claim back the cost of prescribed medication when you return home.

Please note: Any amounts listed above are per insured person on the policy. Cover limits, benefits and exclusions vary between policies. Full details can be found in your policy wording, available in your Customer Area.

When should I buy my policy? As soon as you have booked your trip. Cancellation cover begins from your chosen policy start date shown in your policy schedule—helping protect you before your holiday even begins.

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Types of Cancer Covered

We will consider cover for all types of cancer. Shown below are the most common types that we are asked to cover. However, if your particular cancer isn’t shown, don’t worry, because you can still get a quote by entering the type of cancer when prompted during the quote process and proceed from there.

Alternatively, you can call our Customer Service Centre on 0333 005 1103 and they will be happy to process the quote for you.

We regularly consider applications relating to common cancers including:

Breast Cancer
Blood Cancer
Bowel Cancer
Lung Cancer
Prostate Cancer

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Frequently Asked Questions

If you have been diagnosed with terminal cancer, you may still be able to obtain travel insurance, subject to medical screening and our underwriting criteria. At Lighthouse, we assess every quote on an individual basis, taking into account your medical circumstances, destination and other relevant factors.

Whether we are able to offer cover will depend on our underwriting criteria and the outcome of our medical screening process. Unfortunately, we may not be able to offer cover in every case.

If you would like to explore your options, you can complete our medical screening or contact us, who will be happy to explain the process and answer any questions you may have.

Yes, when applying for travel insurance, you should declare any previous cancer diagnosis if you are asked about it during the medical screening process, even if you have completed treatment or are in remission.

Providing accurate and complete information helps us assess your application and determine whether we are able to offer you cover, in line with our underwriting criteria. Depending on your individual circumstances, including the type of cancer, treatment received and how long ago it occurred, we may be able to offer cover, although this cannot be guaranteed.

If you are unsure what information you need to provide, our team will be happy to explain the medical screening process and answer any questions you may have.

At Lighthouse, we understand that everyone is different, and shouldn’t be labelled or pigeonholed just because they have a certain condition.

That is why we use the specialist Protectif Medical Risk Rating on our policies. Protectif has been created to capture more detail about a customer’s individual circumstances and condition, allowing it to assess individual circumstances in greater detail and calculate premiums based on the information provided. The system works by asking you to list your prescribed medication and then the conditions they are linked to, which helps reduce the chance that relevant information is overlooked, and also helps treating doctors if you are taken ill or injured abroad.