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.

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.

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.

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.

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.