HIV Travel Insurance

Finding travel insurance that suits you and your budget can be difficult if you have HIV. 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

Travel Insurance with HIV

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’re one of over 100,000 people in the UK living with an HIV diagnosis then arranging travel insurance may prove a little more complicated.

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

What is HIV?

HIV, human immunodeficiency virus, is a virus which undermines the body’s ability to fight infection and disease by attacking the immune system and limiting production of lymphocyte cells (a form of white blood cell). It is a long term condition which is managed by antiretroviral medication, usually for life. HIV is not the same as AIDS (acquired immune deficiency syndrome) which occurs when the immune system is so compromised it is no longer able to fight off certain infections.

Do I need to declare if I have HIV as a pre-existing medical condition when buying travel insurance?

Yes. HIV is a chronic condition (long term) and it is important that you disclose your diagnosis when you apply for travel insurance. If you don’t divulge any pre existing health conditions then your insurer may refuse to settle any claims you might make on your policy. If you are not asked about your medical history, when getting a travel insurance quote, check to see if the policy automatically excludes conditions for which you have already been diagnosed.

Will having HIV prevent me from getting travel insurance?

Anyone with a serious long term heath condition is protected by equality and discrimination laws. This means it is illegal for insurers to refuse you cover. However it is perfectly legal for them to request a higher premium or to place particular restrictions upon your insurance. You will find that specialists such as Fish are experienced in finding appropriate and competitively priced travel insurance for people with HIV and other pre-existing medical conditions.

Information and support for people with HIV

The Terrence Higgins Trust provides a range of HIV and sexual health support services (including HIV testing) across the UK as well as publishing a wealth of information on what the condition is, how it is treated and practical information for those who have had a diagnosis. The National Aids Trust also offers an excellent resource through its HIV Aware website. See also the NHS’s dedicated webpages on HIV and AIDS.

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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.

  • QWill having HIV prevent me from getting travel insurance? AHaving HIV shouldn't stop you from getting travel insurance. The quote you will receive depends on the severity of your HIV, any medication you're taking, and other conditions you may have.
  • QDo I need to declare if I have HIV as a pre-existing medical condition when buying travel insurance? AYes. It's always best to declare any conditions you've been diagnosed with when applying for travel insurance, including HIV. This ensures any medication you may be taking will be covered, as well as any treatment for your HIV you need to seek while you're away.
  • QCan I travel abroad if I have HIV? AYes, many people with HIV are perfectly okay to travel abroad. We'd suggest consulting your GP to check it would be okay for you. It's important to ensure you're covered by suitable travel insurance and that you declare your HIV as a pre-existing medical condition. This ensures that any medication you take will be covered, as well as any treatment for your HIV you require while abroad.
  • QIs HIV going to make travel insurance expensive? 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 HIV, 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 Fish that can help you to get the right cover at the right price.
  • QCan I travel by air with HIV? AYes, many people with HIV are perfectly okay to travel by air. We'd suggest consulting your GP to check it would be okay for you.
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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 >