Can you get travel insurance if you have skin cancer?
Yes. JustCover can consider people who have skin cancer, have had skin cancer in the past, or are still having treatment. Our skin cancer travel insurance is designed for people whose condition may not be covered by a standard policy.
Having suitable travel insurance with skin cancer can help protect you against emergency medical bills, cancellation and the cost of getting home if you become seriously ill abroad.
Skin cancer is especially important for holidaymakers to think about:
- Skin cancer is the most commonly diagnosed cancer in Ireland. An average of around 12,500 melanoma and non-melanoma skin cancers were diagnosed each year between 2021 and 2023, according to the National Cancer Registry Ireland.
- Around 1,400 people in Ireland are diagnosed with melanoma each year – even though it accounts for a much smaller share of skin cancers than non-melanoma types.
- The HSE warns that strong or repeated UV exposure can damage your skin over time and increase your risk of skin cancer. That risk doesn’t disappear on cloudy days, so it’s worth checking the UV index and protecting your skin when you’re out exploring on holiday, as well as at home.
You will need to tell us about your cancer when you get a quote. We will ask a few questions so we can offer cover based on your health and travel plans.
Why do you need travel insurance for skin cancer?
If you have skin cancer, an unexpected medical problem abroad could lead to treatment costs or changes to your trip. It’s important to declare your diagnosis when applying, so the insurer can assess whether it can cover claims related to your condition.
Standard travel insurance may not cover costs linked to your diagnosis, which is why specialist travel insurance for skin cancer is important. With JustCover, your policy may protect you if your declared condition causes an unexpected medical emergency while you are away.
When comparing policies, check what’s covered for:
- Emergency medical treatment if you become unwell abroad
- Repatriation if you need help returning home
- Cancellation or a shortened trip if your condition affects your plans
An European Health Insurance Card (EHIC) can help with some state healthcare in the EU and EEA, but it does not replace travel insurance. Check your Policy Wording for the cover, limits and exclusions that apply to you.
The right skin cancer travel insurance gives you one less thing to worry about while you are away.
What does JustCover’s skin cancer travel insurance cover?
If you declare your skin cancer when buying your policy and we agree to cover it, JustCover may help with eligible unexpected medical emergencies related to your condition while you’re away.
Cover limits and exclusions depend on the plan you choose. Always check the Policy Wording before you buy so you know what is and is not included.
What's covered
Emergency medical expenses and repatriation costs – This includes the costs of tests, medications and procedures necessary to treat an illness or injury while abroad. You’ll also be covered for repatriation, making sure you return safely to Ireland.
Cancellation – Cover for flight and accommodation costs if an unexpected event means you have to cancel your trip before you go.
Curtailment – Cover if you need to return home early following an emergency.
Travel delays – If your flight is delayed, we’ll compensate you for the time.
Personal belongings – You’ll be covered if your baggage or its contents are lost or stolen.
Personal liability – Cover for your legal expenses and any liability due if you accidentally injure someone or damage their property while you’re away on holiday.
Legal protection cover – Provides cover for your legal expenses if you have to claim compensation or damages due to something that happened while you were away on holiday.
What's not covered
Claims below the value of the excess – This is dependent on your policy level.
Trips outside the region of cover – If you go somewhere not covered in your policy documents.
Known events or circumstances – Claims related to problems that you knew about before booking the trip or buying the travel insurance are not covered.
Medical conditions you don’t declare – You need to declare all of your pre-existing medical conditions.
Choosing not to travel – We know that sometimes plans change, but you’re only covered for cancellation where the reason falls within the policy terms and conditions.
Travelling against medical or government advice – We can’t cover you if you’ve been told not to go by a doctor or your medical team, or if you’re going away for treatment. We also can’t offer you a policy if the Department of Foreign Affairs has advised against all or all but essential travel to a destination.
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We offer different levels of cover to make your Travel Insurance as cost-effective as possible.
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Why choose JustCover for your skin cancer holiday insurance?
JustCover specialises in helping people with pre-existing medical conditions find travel insurance. We assess your individual health and travel details to show you the cover available.
Benefits of choosing JustCover include:
- We consider more than 1,300 pre-existing medical conditions
- We can consider people with cancer who are having treatment, in remission or recovered
- Up to unlimited emergency medical expenses and repatriation cover is available
- Up to €10,000 cancellation cover is available, depending on your policy
- Our emergency medical helpline is available 24/7
- Get a quote online or speak to our team, whatever your age.
Whether you need malignant melanoma travel insurance, cover following a BCC diagnosis or travel insurance after skin cancer, we will look at your individual circumstances.
Find the best travel insurance for skin cancer
Whether you’re planning one holiday or several trips, JustCover offers Single Trip and Annual Multi-trip options. Compare the cover available to find travel insurance for skin cancer that suits your health needs and travel plans.
Annual multi-trip travel insurance
Planning several holidays? Cover multiple eligible trips over 12 months with one policy. If you need travel insurance after skin cancer, declare your medical history as required when applying.
Single trip travel insurance
Only planning one holiday this year? Get a quote based on your destination, travel dates and medical conditions. Explore the travel insurance for skin cancer options available for your trip.
What types of skin cancer can be covered by travel insurance?
JustCover can consider different types of skin cancer, including melanoma, basal cell carcinoma and squamous cell carcinoma. Whether we can offer cover, and the price you pay, will depend on your diagnosis, treatment and current health. Tell us about your condition when applying so we can assess it accurately.
Malignant melanoma
Melanoma, also called malignant melanoma, can develop in a mole or in skin that looks normal. It is less common than non-melanoma skin cancer, but it can spread to other parts of the body.
We can consider malignant melanoma travel insurance for people receiving treatment, in remission or previously diagnosed with the condition. When applying for melanoma travel insurance, tell us about your diagnosis, treatment and any recent changes to your health. We’ll assess the cover we can offer based on your circumstances.
Basal cell carcinoma
Basal cell carcinoma (BCC) is a common type of non-melanoma skin cancer. If you need basal cell carcinoma travel insurance, tell us about your diagnosis even if the cancer has been removed or your treatment was straightforward.
This helps us assess your medical history and explain what your policy would cover.
Squamous cell carcinoma
Squamous cell carcinoma (SCC) is another type of non-melanoma skin cancer. If you have or have had SCC, tell us when you were diagnosed, what treatment you received and whether you need further tests or treatment.
Providing accurate information helps us assess your condition and make clear what cover we can offer.
How to get travel insurance if you have skin cancer
When you get travel insurance for skin cancer with JustCover, it is important to give us complete and accurate medical information.
Tell us about your skin cancer diagnosis, any symptoms, tests, treatment, surgery and medication, as well as any other medical conditions you have. The information you provide helps us assess your health and show you the cover available.
Make sure your answers are correct when you buy your policy. If anything changes before you travel, such as new symptoms, a change in treatment or medication, or planned surgery, contact JustCover so your medical details stay up to date.
Accurate medical information helps make sure your policy reflects your health when you travel.
Do you have to declare skin cancer for travel insurance?
Yes, if your skin cancer falls within JustCover’s medical declaration requirements, you must tell us about it when getting a quote.
This can include skin cancer that has been treated, is in remission or that you are still living with. Answer all medical screening questions fully and accurately, including those about medication, treatment, tests and any other medical conditions.
If you are looking for travel insurance after skin cancer, do not assume you can leave it off your application simply because your treatment has finished. Whether you need to declare it depends on the medical questions and declaration requirements.
Check the current Policy Wording for the full requirements. If you are unsure how to answer a question, contact JustCover before buying your policy.
What to expect in the medical questionnaire
When getting a quote for skin cancer travel insurance, you’ll answer medical screening questions to help JustCover assess your health and the cover available.
You may be asked:
- What type of skin cancer do you have?
- When were you diagnosed?
- Has the cancer spread?
- What stage is your cancer?
- Have you had surgery?
- Are you waiting for any treatment?
- Are you having chemotherapy, radiotherapy or another treatment?
- Are you taking medication?
- Are you in remission?
- When did you last see your doctor or specialist?
- Have you had an unplanned hospital stay?
- Have you been given a terminal prognosis?
The exact questions will depend on your condition and your answers. For example, someone looking for melanoma travel insurance may be asked different questions from someone looking for basal cell carcinoma travel insurance.
Answer each question fully and accurately. Having details of your diagnosis, treatment and medication nearby can help you complete the questionnaire.
How much does travel insurance for skin cancer cost?
There is no single price for skin cancer travel insurance. JustCover calculates your quote using information about you, your health and your holiday.
Factors that may affect the price include:
- Your type of skin cancer: Different types of skin cancer can carry different levels of medical risk.
- Your treatment: Current or recent treatment may affect your quote.
- Your medical history: We may need to know when you were diagnosed and whether your cancer has spread or returned.
- Other health conditions: Tell us about all medical conditions that need to be declared.
- Your age: Age can affect the cost of travel insurance. If you're a senior traveller, you're more likely to need a claim.
- Your destination: Healthcare can cost more in some countries than others.
- Trip length: A longer holiday can cost more to insure.
- Cover level: Black, Gold and Silver policies have different limits and excesses.
- Single or annual cover: The right option depends on how many times you plan to travel. An annual travel insurance policy can be more cost effective if you take multiple trips within a 12 month period.
JustCover looks at your own circumstances instead of treating every person with skin cancer in the same way.
Specialist travel insurance for skin cancer
Seniors travel insurance
No upper age limit means older travellers with medical conditions can be considered for cover.
Pre-existing Medical Conditions
JustCover considers over 1,300 medical conditions. Tell us about your health for a tailored quote.
Family travel insurance
Going away together? JustCover family policy can cover family members and medical conditions.
Cruise travel insurance
Get protection for the unique problems you might face on a cruise, including cabin confinement.
Destinations covered by skin cancer travel insurance
Holidaying close to home or heading off on a big adventure? We can offer both European and worldwide travel insurance for skin cancer:
When should you buy skin cancer travel insurance?
Arrange skin cancer travel insurance as soon as you book your holiday. This can give you cancellation protection before you travel, as well as cover during your trip.
When cancellation cover begins depends on your policy:
- Single Trip: Cancellation cover starts when you buy your policy.
- Annual Multi-Trip: Cancellation cover starts on your chosen policy start date.
If an insured event prevents you from travelling, your policy may cover eligible prepaid holiday costs you cannot recover elsewhere. Waiting until shortly before departure could leave your holiday costs without cancellation protection for weeks or months.
Answer the medical screening questions fully and accurately when applying. If your health changes after buying your policy, contact JustCover as soon as possible so we can review your medical details.
Skin cancer travel insurance for pre-existing medical conditions
If you have skin cancer alongside other medical conditions, you can declare them together when applying for JustCover travel insurance. We consider more than 1,300 pre-existing medical conditions, helping us assess your health as a whole and show you the cover available.
When applying for travel insurance with skin cancer, you may also need to declare conditions such as:
- High blood pressure
- Epilepsy
- Diabetes
- Heart Conditions
- Atrial fibrillation
- Stroke
- COPD
- Parkinson’s disease
- Arthritis
- Multiple sclerosis
- Asthma
- Kidney Disease
- High cholesterol
Answer the medical screening questions fully and accurately, including details of every condition that falls within our declaration requirements. This helps us provide a quote that reflects your individual health and travel plans.
Tips for travelling with skin cancer
Planning ahead can help make travelling with skin cancer easier. Before you go, speak to your medical team about your holiday plans and any precautions relevant to your treatment.
- Speak to your medical team: Ask whether you are fit to travel and how your treatment or side effects could affect your trip.
- Prepare your medication: Pack enough for your holiday and possible delays. Check destination rules and carry medicines in your hand luggage where permitted.
- Keep medical information handy: Bring details of your diagnosis, treatment and prescriptions, plus your medical team’s contact information.
- Take medical information. Keep details of your diagnosis, medication and treatment with you.
- Protect your skin: Follow the HSE’s sun protection guidance, including SPF 30+ sunscreen for adults, protective clothing, a wide-brimmed hat, sunglasses and shade. Follow any additional precautions from your medical team.
- Avoid sunburn. Strong, short bursts of sun exposure and sunburn can increase melanoma risk.
- Carry your insurance details: Keep your policy number and JustCover’s 24/7 emergency medical helpline number somewhere easy to access.
- Take an EHIC if eligible: An EHIC provides access to certain state healthcare in participating countries. Use it alongside travel insurance, as it does not cover everything.
A simple 3-step process to book your skin cancer travel insurance
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You will only need to tell us some information about yourself and your holiday plans.
Select and tailor your cover
Now all you need to do is to choose the level of cover that best suits your needs.
Buy your cover and relax
Purchase your cover and you’re ready to go – we’ll take care of the rest!
Expert travel insurance advice from our team
“Having skin cancer shouldn’t mean putting your travel plans on hold. The key is making sure your medical history is declared, so your cover reflects your health and your trip. At JustCover, we help people with pre-existing conditions every day. We keep things simple, ask clear questions and help you find the right travel insurance for skin cancer.”
Peter Clark - JustCover Director
What our customers say
“Previous insurer wouldn't cover me for pre-existing medical conditions, despite also being my health insurer. I'm in remission from blood cancer - not a problem with JustCover.''
see full review
Travel Insurance for Skin Cancer FAQs
Does travel insurance for skin cancer cover emergency treatment abroad?
Yes, it can. JustCover’s travel insurance for skin cancer can cover eligible emergency medical treatment abroad, including treatment linked to a declared skin cancer condition. Cover can also include medical repatriation if you need to return to Ireland for medical reasons.
Always check the Policy Wording for full limits and exclusions.
Can you get travel insurance for skin cancer if you are currently undergoing treatment including chemotherapy or radiotherapy?
Yes. JustCover can consider people who are currently having cancer treatment, including chemotherapy or radiotherapy.
You will need to tell us about your treatment when getting a quote. We may ask what treatment you are having, when you last had treatment and whether more treatment is planned.
Cover depends on your individual medical screening and policy terms.
Can you get travel insurance if your skin cancer diagnosis is terminal?
Yes, we may be able to offer travel insurance to some people with a terminal skin cancer diagnosis. Speak to our team so we can assess your individual circumstances, including your prognosis and fitness to travel, and explain the cover available.
Contact us before booking your trip and check the current Policy Wording for full details.
Can you get melanoma travel insurance?
Yes. JustCover can consider melanoma travel insurance, including malignant melanoma travel insurance.
We may ask about when you were diagnosed, what treatment you have had, whether the melanoma has spread and your current health.
It is important to declare melanoma so we can assess your cover correctly.
Can you get basal cell carcinoma travel insurance?
Yes. JustCover can consider basal cell carcinoma travel insurance. Even if your BCC has been removed, you may still need to tell us about it when getting a quote.
We may ask when you were diagnosed, what treatment you had and whether any further treatment or checks are planned.
Can you get travel insurance after skin cancer?
Yes. JustCover can consider travel insurance after skin cancer, including for people who have finished treatment or are in remission. You may still need to declare your previous diagnosis, even if you are now cancer-free.
Our medical screening will help us understand your history and show you the cover options available.
Does an EHIC cover skin cancer treatment abroad?
An EHIC can help with some state healthcare in certain European countries, but it is not a replacement for travel insurance.
A JustCover policy can provide extra protection, such as eligible cancellation cover, emergency medical costs and medical repatriation. It is a good idea to travel with both an EHIC and suitable travel insurance.
Do I need a doctor's letter before buying skin cancer travel insurance?
Usually, you do not need to send JustCover a doctor’s letter just to get a quote. You should still make sure your doctor believes you are fit to travel, especially if you are having treatment or have recently been unwell.
In some cases, medical information may be needed later if you make a claim.
What happens if my skin cancer changes after I buy my policy?
Tell us as soon as possible. This includes a new diagnosis, a change in your condition, new treatment or a change in medication. We can then check whether this affects your cover or premium.
It is important to update us before you travel rather than waiting until you need to make a claim, as you may not be covered.
Does skin cancer travel insurance cover planned treatment abroad?
No. Our travel insurance is designed to cover unexpected events during your trip. It does not normally cover travel that is mainly for planned medical treatment.
If you already know you will need treatment while away, check the Policy Wording or speak to our team before booking.
Is skin cancer always caused by the sun?
No, but exposure to UV rays is a major risk factor for skin cancer.
If you have had skin cancer, it is sensible to follow your medical team’s advice and take extra care in the sun. This includes using sunscreen, wearing protective clothing and avoiding strong midday sun.
Can JustCover cover other medical conditions as well as skin cancer?
Yes. JustCover can consider more than 1,300 pre-existing medical conditions. So if you have skin cancer as well as another condition, such as diabetes, high blood pressure or a heart condition, you can declare them during the same medical screening. This helps us give you a quote based on your full health picture.
Is skin cancer travel insurance available for older travellers?
Yes. JustCover has no upper age limit, so older travellers with skin cancer can apply for a quote. The cover available is subject to medical screening, and your price will depend on factors including your health, age, destination and trip length.
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