AIDS Travel Insurance
- Tell your insurer about any pre-existing medical conditions to make sure you’re fully covered
- Consider covering everyone travelling in your party in case you have to cancel
- Take a copy of your travel insurance documents with you
If you have developed acquired immune deficiency syndrome (AIDS) following diagnosis of human immunodeficiency virus then you may have found it difficult to secure effective travel insurance. It is not, however, impossible, as specialists in travel insurance for people pre-existing medical conditions like AllClear will work hard to accommodate you. The available cover and size of premium may depend upon the progression of the disease but even if you have reached a terminal stage it may still be possible to arrange insurance protection.
As specialists, AllClear understand the need to deal with any enquiry with sensitivity and understanding, knowing that even now people with an AIDS diagnosis can be stigmatised and discriminated against by some in society. If you are affected by this condition please be assured that AllClear’s specially trained staff will accord you the respect and consideration we all deserve, and seek to help you find the most effective and best value HIV and AIDS travel insurance.
What is AIDS?
Acquired immune deficiency syndrome is a collection of late stage symptoms of the human immunodeficiency virus. If HIV has progressed to AIDS the body is unable to fight off serious infections such as bacterial pneumonia, septicaemia and tuberculosis. HIV is most commonly transmitted through unprotected vaginal or anal intercourse – sexual contact accounts for around 95% of infections according to Public Health England. If you have had a diagnosis remember that you are not alone: according to Public Heath England there are an estimated 107,800 people living with HIV in the UK.
Do I need to declare AIDS as a pre-existing medical condition when buying travel insurance?
Yes. Whilst it may be tempting for various reasons not to declare an AIDS or HIV diagnosis failure to declare your diagnosis and any associated pre existing medical condition can invalidate your travel insurance. This means that any claim you make may be refused and you could find yourself liable for significant medical costs and, if you require repatriation to the UK, potentially huge bills for an air ambulance. Remember too that some nations’ medical facilities and staff are less enlightened when dealing with HIV and AIDS patients and you might benefit from the support of a specialist insurer with experience in that country.
Will having AIDS prevent me from getting travel insurance?
People who have received an AIDS or HIV diagnosis are protected under disability legislation which affords protection to people with chronic health conditions. This means that insurers cannot refuse you cover. However they can can impose condition on your travel insurance and/or charge you a higher premium. Because AllClear specialise in sourcing travel insurance for people with pre-existing medical conditions and/or disabilities, they can offer you appropriate and competitively priced European Worldwide, single trip and annual travel insurance policies.
Information and support for people with AIDS
The Terrence Higgins Trust is a national charity offering extensive resources, advice, services and support to people living with HIV and AIDS. As always the NHS website is also a good port of call, offering not only details of the symptoms and treatment of HIV, but real life stories of people living with the virus and a community forum.
AllClear take care of everything
Here at Fish Insurance, we’re proud to be working with travel experts AllClear Travel to provide you with cover for your next trip. AllClear’s team of experts will help find the cover you need at a price you’re comfy with. So if you’re planning your next break, all you have to do is decide where to visit first.
To get a quote or manage your policy call
Key benefits of AllClear’s cover*
- No age limits
- 1300+ conditions covered
- ‘Superior’ Covid cover** (includes return flight costs if you’re forced to stay due to Covid-19)
- Up to £15m medical emergency expenses cover
- 24/7 English-speaking medical emergency helpline
- Up to £25,000 for cancellation and cutting your trip short
- Up to £3,000 for your baggage
- Up to £500 travel delay cover
- Up to £1,000 optional cover for travel disruption
- Up to £2m personal liability cover
*All figures are per person and per trip
**Covid cover rated ‘Superior’ by a leading independent UK Consumer Champion in 2021
See what our customers are saying about Fish’s service
And we don’t stop there…
We’ve answered some of the questions you may have about Travel Insurance
QIs there travel insurance for people with AIDS?
AYes, pre-existing medical condition travel insurance from AllClear Insurance covers those with diagnosed medical conditions like AIDS. Declaring your AIDS on your policy ensures that you’ll be covered for any medical treatment relating to your AIDS you may need while you’re away. Travel insurance from AllClear includes cover for the replacement of prescription medications as well as 24/7 emergency assistance among other benefits.
QWhat countries have HIV restrictions?
AThere are quite a few countries that have restrictions for those with HIV and AIDS. The HIV Travel website (http://www.hivtravel.org/) gives a comprehensive list of countries with restrictions for both short and long term stays. If you have HIV and enter a country that refuses entry for those with HIV, you’ll be breaking their immigration rules.
QCan I travel abroad with HIV medication?
AYes. You should take a letter from your GP detailing what medications you have with you and what they are for, in order to ensure you can pass easily through customs. Travel Insurance from AllClear covers the emergency replacement of prescription medications including those required for HIV.
QWill travel insurance cover HIV medication?
AYes, travel insurance from AllClear covers the emergency replacement of prescription medications, including those prescribed for HIV.
QCan I get travel insurance with AIDS?
AYes, having AIDS shouldn’t stop you from getting travel insurance. The quote you will receive depends on the severity of your AIDS, any medication you’re taking, and other conditions you may have.
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