Insure Cancer

What Insure Cancer does

InsureCancer is a UK specialist travel insurance provider serving individuals diagnosed with cancer, including those with active, metastatic, relapsed, or terminal disease, as well as patients participating in oncology drug trials. It operates from a single headquarters in Farnham, Surrey, under the regulated entity Medi TravelCover Ltd (FCA registration No. 301488, Company No. 04353695), with policy risk carried by AXA XL Insurance Company UK Limited for policies commencing on or after 1 October 2024 and previously by Travelers Syndicate Management Limited. The company holds The Queen's Award for Enterprise and is listed on the UK government's Money and Pensions Service specialist travel insurance directory.

The core product is an individually underwritten travel insurance policy that is sold exclusively via telephone (01252 780 190, Mon–Fri 9am–5pm) — there is no online application. Each case is assessed manually by a specialist who contacts the applicant's attending oncologist to obtain clinical detail on cancer type, stage, metastatic spread, treatment drugs, side effects, and recent scans. Policies provide emergency medical cover up to £5,000,000, personal liability up to £2,000,000, repatriation, and standard travel disruption benefits, with a maximum trip duration of 31 days and no upper age limit. InsureCancer does not use automated tick-box screening, which is the defining differentiator versus mainstream travel insurers that algorithmically decline metastatic or treatment-active applicants.

The business model is direct-to-consumer one-time premium pricing: each policy is individually rated based on clinical status, treatment protocol, destination, and trip duration, with the customer paying per trip rather than on subscription. Revenue is concentrated in the UK (plus Isle of Man and Channel Islands residents), and marketing is content-led via blog, testimonials, and earned media coverage in BBC, Daily Mail, Financial Times, Guardian, Telegraph, and Insurance Business Magazine. Partnerships with the Kids Cancer Charity and the FCDO Travel initiative supplement referral channels, while distribution relies on phone-based inside sales and word-of-mouth from peer patients.

Name

Insure Cancer

Legal name

Medi TravelCover Ltd

Website

https://insurecancer.com

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

1–10 employees

Short description

InsureCancer is a UK specialist travel insurer for individuals with active, metastatic, relapsed, or terminal cancer, offering individually underwritten policies via telephone-only sales through FCA-authorised Medi TravelCover Ltd.

Ownership category

akta.pro rank

Product category

Specialist Travel Insurance

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321)

akta.pro primary industry

Travel Medical Insurance (Individual) (FSAIAEAI)

Keywords

• Cancer travel insurance
• Specialist medical insurance
• Advanced cancer coverage
• Individually underwritten policies
• Travel insurance underwriting

Headquarters

HQ city

Farnham

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Travel Insurance Premiums: InsureCancer earns revenue through one-time travel insurance premiums charged per trip. Policies are individually rated based on the customer's clinical status, treatment protocol, destination, and trip duration. Premiums vary widely across customers. The policies are arranged by Medi TravelCover Ltd, a FCA-authorised firm.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

InsureCancer sells individually underwritten travel insurance policies for individuals diagnosed with cancer, including active, metastatic, relapsed, and terminal cases, as well as patients on cancer drug trials. Every case is personally assessed by an insurance specialist who contacts the customer's attending oncologist for clinical information — including cancer type, stage, treatment drugs, and the specialist's view on travel — with no automated tick-box screening used. Policies include up to £5,000,000 emergency medical expenses, repatriation cover, trip delays, cancellation, personal accident, and 24/7 multilingual emergency assistance, with trip durations up to 31 days.

Product overview

InsureCancer provides specialist travel insurance for individuals diagnosed with cancer through its core product offering: the Specialised Cancer Travel Insurance Policy. Offered via Medi TravelCover Ltd and FCA authorised (No. 301488), the policy is individually underwritten for each applicant with cancer, including those with active, metastatic, or terminal diagnoses. Unlike standard travel insurers that use automated screening, InsureCancer manually assesses each case in consultation with the applicant's oncologist, providing comprehensive coverage for medical emergencies, repatriation, and standard travel disruptions.

Differentiator

Problem solved

Functional benefit

Products and services

• Specialised Cancer Travel Insurance Policy Individually underwritten travel insurance designed specifically for individuals diagnosed with cancer (including advanced, metastatic, relapsed, or terminal cancer) and for cancer drug trial participants. Each case is medically underwritten by an insurance specialist who contacts the customer's attending oncologist to obtain clinical information including cancer type, stage, metastatic spread, ongoing treatment drugs, side effects, recent scans/bloods, and the consultant's view on travel. The policy provides full cover for the cancer diagnosis, including up to £5,000,000 emergency medical expenses, medical repatriation, cover for delayed departure, lost luggage, personal money, personal accident, and 24/7 multilingual emergency assistance. Maximum trip duration is 31 days, and there is no upper age limit. Target customers are UK residents, including those in the Isle of Man and Channel Islands.

Quantifiable outcome

• Medical and emergency expenses cover up to £5,000,000 per trip
• +3 more outcomes

Named customers22 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Six partnerships are on record, tiered core and minor.

• Medi TravelCover LtdcoreOthersInsureCancer is the trading name of Medi TravelCover Ltd. Medi TravelCover Ltd is the regulated entity (FCA No. 301488) that arranges and underwrites all InsureCancer travel insurance policies. Company No: 04353695.
• AXA XL Insurance Company UK LimitedcoreOthersAXA XL is the insurer for policies commencing on or after 1st October 2024. Complaints for these policies are directed to AXA XL's complaints team. AXA XL is covered by the Financial Services Compensation Scheme.
• Travelers Syndicate Management LimitedminorOthersTravelers Syndicate Management Limited was the insurer for policies issued before 1st October 2024. Complaints for pre-October 2024 policies are directed to Travelers.
• Kids Cancer CharitycoreStrategic or Co-development PartnerInsureCancer collaborates with UK charities and medical centres focusing on children's needs through the Kids Cancer Charity. The partnership supports families affected by childhood cancer, with the company encouraging customer donations to help children with cancer.
• Foreign, Commonwealth & Development Office (FCDO)minorStrategic or Co-development PartnerInsureCancer and Medi TravelCover Ltd back the FCDO's Travel initiative, promoting preparation and proper insurance for British travellers overseas, focusing on mitigating risks and providing advice on customs, health, and passports. The company collaborates with the Foreign Office to promote safe overseas travel and adequate insurance coverage.
• Money and Pensions Service (MaPS)minorOthersThe government's Money and Pensions Service website features a directory of specialist travel insurance providers for those with serious medical conditions. InsureCancer is listed in this directory. MaPS can be contacted on 0800 138 7777 (free calls).

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Direct Line Group: Major UK general insurance group offering travel insurance through Churchill, Direct Line, and Privilege brands. Represents the mainstream automated-screening approach that InsureCancer's manual underwriting is differentiated against.
• Aviva: One of the UK's largest general insurers offering mainstream travel insurance. Provides standard travel cover but uses automated screening that excludes advanced cancer patients — the gap InsureCancer fills.

Direct peers

• Staysure: UK travel insurance specialist with strong positioning in the over-50s and pre-existing medical conditions segments, including cancer. Comparable specialist underwriting approach targeting similar demographics.
• Goodtogoinsurance.com: UK specialist travel insurance for people with pre-existing medical conditions, including various cancer diagnoses. Direct competitor in the same specialist medical travel insurance niche.
• World First Travel Insurance: UK specialist travel insurance for travellers with pre-existing medical conditions, including cancer. Closely comparable product offering and underwriting model.
• Insurance With: UK specialist travel insurance provider specifically focused on cancer patients and those with serious medical conditions. Directly competes for the same customer segment as InsureCancer with individually underwritten policies.
• Free Spirit: UK specialist travel insurance aimed at older travellers and those with medical conditions, including cancer. Comparable niche positioning and medically-underwritten product model.
• Globelink International: UK specialist travel insurance provider covering pre-existing medical conditions and higher-risk travellers. Direct competitor in the specialist medical travel insurance market.
• AllClear Travel Insurance: UK specialist travel insurance provider focused on customers with pre-existing medical conditions, including cancer. Operates a similar individual underwriting model and is the closest direct competitor to InsureCancer in the UK specialist medical travel insurance market.

Others

• Medi TravelCover Ltd: The regulated parent entity of InsureCancer that arranges specialist travel insurance for various medical conditions (not only cancer). Operates as an FCA-authorised insurance intermediary and is the contractual counterparty behind InsureCancer's policies.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/insurecancer

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Insure Cancer