Travel Insurance with diabetes
- 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’re among nearly 4 million people in the UK diagnosed with Type 1 or Type 2 diabetes, you’ll need to buy travel insurance covering pre-existing medical conditions. If you’ve found it more complicated to get cover, AllClear, a specialist in providing insurance for people with medical conditions such as diabetes, can provide you with the protection you need.
What is diabetes?
If you have diabetes then your body is unable to properly regulate the amount of sugar in your blood. For Type 1 diabetes – about 10% of cases – this is because your pancreas fails to produce the hormone insulin which is responsible for converting glucose into energy. With Type 2 diabetes either not enough insulin is produced, or the body’s cells do not react appropriately to it. Key symptoms are thirst, constant fatigue and the need to pass urine more frequently.
Do I need to declare if I have diabetes as a pre-existing medical condition when buying travel insurance?
Yes, regardless of whether you have Type 1 or Type 2 diabetes you must tell your insurer. If you don’t declare your diagnosis your policy may not be valid. This could mean that should you need to make a claim, your insurer refuses it, leaving you to pick up emergency medical bills and other costs that your insurance may otherwise have covered. Those might include medical repatriation (eg. air ambulance) and the cancellation or curtailment of your travel plans.
Will having diabetes prevent me from getting travel insurance?
Diabetes is a chronic condition and those with it are protected by equality and disability discrimination laws. This means you cannot be refused travel insurance because you have diabetes. Insurers are though within their rights to place particular restrictions or conditions on your cover. They may also levy a higher premium. Appropriate and competitively priced policies are available from companies like AllClear which specialise in sourcing travel insurance for people with pre-existing health conditions.
Information and support for people who have diabetes
The campaigning and research charity Diabetes UK offers extensive advice on the management and monitoring of diabetes, together with access to a wealth of other resources for those living with and affected by the condition. The NHS also provides wide-ranging information on the causes, symptoms, management and treatment of Type 1 and Type 2 diabetes. With Type 2 disease often avoidable, this includes details of the NHS Diabetes Prevention Programme.
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 travel insurance exclude diabetes?
AAs long as you declare your diabetes when taking out your travel insurance with AllClear, your diabetes will be covered on your policy. This includes any emergency medical treatment you may need while you’re away and the replacement of prescription medications if lost or stolen.
QDoes having diabetes effect the cost of travel insurance?
AThe cost of travel insurance takes into account any pre-existing conditions you may have, along with how severe they are and any treatment you may be receiving. If you have diabetes, your travel insurance will probably cost more than someone of the same age with no pre-existing conditions, but it doesn’t mean the cost will be huge. It’s always worth contacting a specialist insurer such as AllClear that can help you to get the right cover at the right price.
QWill travel insurance cover diabetes medication/equipment?
AYes, travel insurance from AllClear covers the emergency replacement of prescription medications.
QWill having diabetes prevent me from getting travel insurance?
AHaving diabetes shouldn’t stop you from getting travel insurance. The quote you will receive depends on the severity of your diabetes, any medication you’re taking, and other conditions you may have.
QCan I get travel insurance with diabetes?
AYes, depression should not stop you being able to get travel insurance. The quote you will receive depends on any medication you’re taking or other conditions you may have.
QDo I need to declare diabetes as a pre-existing medical condition?
AYes. It’s always best to declare any conditions you’ve been diagnosed with when applying for travel insurance, including diabetes. This ensures any medication you may be taking will be covered, as well as any treatment for your diabetes you need to seek while you’re away.
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