Travel Insurance with rheumatoid arthritis
- 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 are among the estimated 400,000 people in the UK who have rheumatoid arthritis, you may have found it more difficult to get effective and affordable travel insurance. Luckily, as a specialist insurance provider, AllClear Insurance should be able to find you suitable cover to meet your needs.
What is rheumatoid arthritis?
Rheumatoid arthritis a form of arthritis in which the immune system attacks the body’s joint lining, causing pain and inflammation of the synovial membrane (which normally facilitates smooth joint movement). It affects around 400,000 people in the UK with the severity of symptoms sometimes unpredictable as those with the disease suffer “flare ups”. It cannot be cured but is treated, physiotherapy, corrective surgery and medications that can ease pain, inflammation and slow progression of the disease.
Do I need to declare I have rheumatoid arthritis as a pre-existing medical condition when buying travel insurance?
Yes, otherwise you’re likely to end up travelling without valid travel insurance. If asked you should declare any pre existing health conditions you have as if you don’t your insurer might refuse to meet any claims you later make. If you are not asked then check the small print before buying as it’s likely the policy won’t cover previously diagnosed illnesses. Either scenario could leave you facing costly emergency medical bills and other potential costs, such as an air ambulance.
Will having rheumatoid arthritis prevent me from getting travel insurance?
Having rheumatoid arthritis won’t stop you getting travel insurance, but it might mean some insurers ask you to pay more or that they place limits or exclusions on your travel insurance policy. Always make sure you have effective cover. When getting quotes it makes sense to include firms like AllClear Insurance who specialise in finding insurance for people with pre-existing medical conditions.
Information and support for people who have rheumatoid arthritis
Leading charity Arthritis Research UK has published an in-depth overview of rheumatoid arthritis which includes how the disease is diagnosed, treated, its cases, symptoms, living with the condition and the state of play regarding research into the disease. Otherwise the NHS can also be trusted to provide expert insight
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
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And we don’t stop there…
We’ve answered some of the questions you may have about Travel Insurance
QCan I prevent rheumatoid arthritis flare up when travelling?
ATravelling can put stress on the mind and leave the body tired. Stress and fatigue can trigger rheumatoid arthritis flare ups, so it’s important to plan your trip in advance and learn relaxation techniques to help reduce any stress. While holidays can be an excuse to eat to excess, certain foods can often cause flare ups too. If this is the case for you, be mindful of what you eat while you are away. Get advice from your GP before travel as they can help you to best manage your rheumatoid arthritis.
QDo I need to take rheumatoid arthritis medical letters on holiday with me?
AYes. It’s always advisable to take a brief medical history and list of medications you take. If you use medications that require needles, a doctor’s note could be necessary to enable you to pass through airport security.
QDo I need to declare rheumatoid arthritis 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 rheumatoid arthritis. This ensures any medication you may be taking will be covered, as well as any treatment for your rheumatoid arthritis you need to seek while you’re away.
QWill having rheumatoid arthritis prevent me from getting travel insurance?
AHaving rheumatoid arthritis shouldn’t stop you from getting travel insurance. The quote you will receive depends on the severity of your rheumatoid arthritis, any medication you’re taking, and other conditions you may have.
QWill travel insurance cover any flare ups caused by rheumatoid arthritis?
AYes, if you’ve declared your rheumatoid arthritis when purchasing travel insurance this will ensure any medication you may be taking will be covered, as well as any emergency medical treatment you may need while you’re away.
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