Crohn’s Disease 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 been diagnosed with Crohn’s disease, then you could be struggling to find effective or affordable travel insurance. It is not, however, impossible, as specialists in travel insurance for people pre-existing medical conditions like AllClear Travel Insurance will work hard to accommodate you.
What is Crohn’s disease?
Crohn’s, one of the main forms of inflammatory bowel disease (IBD), causes inflammation and ulceration of the gastrointestinal tract. It most commonly affects the lower small intestine but can impact anywhere along the alimentary tract which runs from the mouth to the anus. People with Crohn’s can have problems digesting and absorbing nutrients and creating healthy stools. It is an incurable long-term, or chronic condition which may be treated with steroids, immunosuppressants or surgery to remove inflamed or ulcerated tissue.
Do I need to declare Crohn’s disease as a pre-existing medical condition when buying travel insurance?
Yes. Insurers ask you to declare any pre existing health conditions from which you suffer or have suffered within a specified time frame. If you do not advise your insurer when getting a travel insurance quote then should you later claim on your policy, it may be refused due to your non-disclosure. This could leave you personally liable for emergency medical bills and any other costs that might otherwise have been covered by your policy, such as medical repatriation.
Will having Crohn’s disease prevent me from getting travel insurance?
If you declare you have Crohn’s when taking out your policy then by law an insurer cannot refuse insurance as people with chronic health conditions are protected under disability legislation. They are, though, within their rights to place exclusions and limits on the cover they provide or to charge you a higher premium. You will find that AllClear, as an insurance company specialising in serving people with disabilities and chronic health issues, can arrange effective and highly competitive travel cover.
Information and support for people with Crohn’s disease
Crohn’s & Colitis UK publishes this handy, informative and downloadable (PDF) guide with the charity’s wider website providing more extensive information and advice. For expert insight into the diagnosis, symptoms and treatment of Crohn’s disease, visit the NHS website’s guide.
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
QWill having Crohn’s disease prevent me from getting travel insurance?
AYou should still be able to get travel insurance in you have Crohn’s disease. As long as you declare your condition/conditions correctly, you will be covered.
QWould stoma bag complications be covered by travel insurance?
AIf you have complications with your stoma bag on holiday, providing you’ve declared it, you’ll be able to seek medical help for this.
QDoes travel insurance cover medications required for Crohn’s disease?
AAllClear Insurance cover emergency replacement of prescription medicines which are required for Crohn’s disease.
QIs inflammatory bowel disease something I need to declare when getting travel insurance?
AYes, you will need to declare your condition but being diagnosed with Inflammatory bowel disease (IBS) should not prevent you from going on holiday or getting cover.
QCan I get travel insurance when I have been diagnosed with Crohn’s disease?
AYes, you can get travel Insurance if you have Crohn’s disease. However not all providers will offer you cover. Its worth consulting a specialist medical provider such as AllClear that can help you get the right cover at the right price.
QWill Crohn’s disease prevent me from being able to fly?
AMany people with Crohn’s disease and similar conditions still travel both in the UK and abroad. Having the condition shouldn’t stop you from flying but before you leave, speak to your doctor about a flare-up plan. This will mean you know what to do if your IBD symptoms worsen while you are away.
QDo I need to declare Crohn’s disease or ulcerative colitis when getting travel insurance?
AYes, you will need to disclose your condition when taking out travel insurance. If you don’t advise your insurer that you have Crohn’s disease and then find yourself having to claim on your policy, this could well be refused because of non-disclosure.
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