Travel Insurance with osteoarthritis
- 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 osteoarthritis then, because you have a pre-existing medical condition, you may be finding it hard to get a cheap travel insurance quote. Using a specialist insurer, like AllClear, can provide you with the solution you are looking for.
What is osteoarthritis?
Osteoarthritis is a form of arthritis that affects the joints. It causes the cartilage that usually ensures the smooth operation of joints to weaken which in turn causes thickening of the bones. The impact of this hardening can vary depending on how well the body reacts to it, but in severe cases the cartilage can disintegrate to such an extent that the bones rub together. Symptoms include joint stiffness, swelling and pain.
Do I need to declare osteoarthritis as a pre-existing medical condition when buying travel insurance?
Yes, if you have osteoarthritis, another form of arthritis or any pre-existing health condition you must declare this when taking out travel insurance. If you don’t you run the risk of invalidating your policy as your insurer may deem that non-disclosure is grounds for not honouring any claims you may make. This could see you responsible for the cost of emergency treatment you may need whilst abroad, as well as other cost such as medically assisted travel back to the UK.
Will having osteoarthritis prevent me from getting travel insurance?
You will be able to get travel insurance but beware that some policies’ small print will tell you that pre-existing medical conditions are excluded from cover. Others will provide cover but may charge you more and/or place restrictions on it. A specialist like AllClear, which is experienced in helping people with health issues or disabilities, can assist you in sourcing effective and competitively priced travel insurance.
Information and support for people who have osteoarthritis
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
QCan I fly long haul with osteoarthritis?
AYes, you can still travel long haul if you have osteoarthritis. However, it does mean you need to ensure you do not just sit still for the entire flight, as this could cause your joints to stiffen. Our tips are to keep your joints moving as much as possible, both in your seat and getting up for a stretch when cabin crew allow you to. If possible, try and book a seat with extra legroom to allow you to move your legs more freely when seated.
QWill having osteoarthritis prevent me from getting travel insurance?
AHaving osteoarthritis shouldn’t stop you from getting travel insurance. The quote you will receive depends on the severity of your osteoarthritis, any medication you’re taking, and other conditions you may have.
QCan I travel by air with osteoarthritis?
AYes, many people with osteoarthritis are perfectly okay to travel by air. We’d suggest consulting your GP to check it would be okay for you. If you need assistance getting around the airport or onto the aircraft, make sure to let the airline know you’re coming in advance.
QWill travel insurance cover any medication for osteoarthritis?
AYes. Travel Insurance from AllClear covers the emergency replacement of prescription medications including those required for osteoarthritis.
QDo I need to declare osteoarthritis 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 osteoarthritis. This ensures any medication you may be taking will be covered, as well as any treatment for your osteoarthritis you need to seek while you’re away.
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