If you have or have had a melanoma you must take travel insurance when you go on holiday or travel abroad just in case you fall ill and need medical treatment. The cost of receiving medical treatment away from the UK can be very high. For those with pre-existing medical conditions travel insurance can be expensive unless you shop around (this link might help you find cheap travel insurance for people with a melanoma
Travellers with a melanoma have in the past paid significantly more for their travel insurance as those with melanoma, like many other sufferers of a pre-existing condition have had their premiums raised. The travel insurance companies consider those that are under the treatment of a doctor, even on a routine basis, may be more likely to claim and hence cause them to have to pay out.
Additional rating factors which effect travel insurance are high blood pressure, high cholesterol and whether you smoke.
Melanoma and travel insurance
Melanoma is less common than other skin cancers. However, it is much more dangerous if it is not found early. It causes the majority (75%) of deaths related to skin cancer. Worldwide, doctors diagnose about 160,000 new cases of melanoma yearly. In women, the most common site is the legs and melanomas in men are most common on the back.
The treatment includes surgical removal of the tumor. If melanoma is found early, while it is still small and thin, and if it is completely removed, then the chance of cure is high. The likelihood of the melanoma coming back or spreading depends on how deeply it has gone into the layers of the skin. For melanomas that come back or spread, treatments include chemo- and immunotherapy, or radiation therapy.
All of these factors will be taken into account when you apply for travel insurance with melanoma.
And finally, those that are awaiting a diagnosis or additional tests face the heftiest premiums as what insurers’ hate most of all is uncertainty, especially around the possible risk of falling ill abroad with a condition that isn’t yet well controlled.