AIDS Travel Insurance

Finding travel insurance that suits you and your budget can be difficult if you have AIDS. At Fish, we have over 40 years’ experience helping people find a policy that meets their individual needs. We can take care of everything for you, too.

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For a care-free travel insurance quote

call 0333 331 3770

AIDS Travel Insurance

Remember

  • 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 Fish 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.

  • Single and annual multi-trip cover
  • 24/7 emergency assistance
  • Covers emergency replacement of prescription medicines

As specialists, Fish 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 our 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 Fish specifically specialise in sourcing travel insurance for people with pre-existing medical conditions and/or disabilities, we 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.

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We take care of everything

For over 40 years, we’ve been helping people travel around the world without worry. Our team of experts will help find the cover you need at a price you’re comfy with.
So if you have a disability or pre-existing condition and are planning your next break, all you have to do is decide where to visit first.

Get a quote now >

For a care-free travel insurance quote

call 0333 331 3770

Key benefits at a glance

  • No age limit*
  • Single and annual multi-trip cover
  • Alternative accommodation cover
  • Cruise cover
  • Friendly UK-based claims service and specialist medical assistance
  • Covers emergency replacement of prescription medicines
  • Provides cover for a replacement carer
  • Covers a wide range of pre-existing medical conditions
  • 24/7 emergency assistance
  • Protects mobility and disability equipment, providing replacement equipment in the event of a loss

And we don’t stop there…

We’ve answered some of the questions you may have about our Travel Insurance.

  • 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.
  • QWill travel insurance cover HIV medication? AYes, travel insurance from Fish covers the emergency replacement of prescription medications, including those prescribed for HIV.
  • 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 Fish covers the emergency replacement of prescription medications including those required for HIV.
  • 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.
  • QIs there travel insurance for people with AIDS? AYes, pre-existing medical condition travel insurance from Fish 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 Fish includes cover for the replacement of prescription medications, protection for mobility and disability equipment, as well as 24/7 emergency assistance among other benefits.
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Travel Policy Documents

See all of our Disability and Pre-Existing Medical Conditions Travel Insurance policy documents here.

View our policy wording >