Travel Insurance with an underactive thyroid
- 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’ve been diagnosed with an underactive thyroid, because you have a pre-existing medical condition, arranging travel insurance can be a bit more complicated. Luckily specialist insurance providers, such as AllClear, can assist you in finding the right cover for you.
What is an underactive thyroid?
Your thyroid is a gland in your neck which secretes hormones into your blood stream which help control your metabolism. If you have hypothyroidism then it mean your thyroid is not producing enough of these hormones so your metabolism slows. This might cause a range of symptoms such as fatigue, constipation, weight gain, depression, reduced sex drive, cramps, hair loss and heavy or irregular menstruation. Disproportionately affecting women it is usually treated using hormone replacement medications.
Do I need to declare if I have an underactive thyroid as a pre-existing medical condition when buying travel insurance?
Yes. It is important you are honest and fully disclose any health issues you have, including hypothyroidism. If you withhold information then it is possible you will invalidate your insurance and that your insurer may refuse to settle any claims. This could leave you responsible for settling bills that your policy would otherwise have covered, including those for emergency medical treatment, medically assisted transport to get you back to the UK and curtailment of your travel plans.
Will having an underactive thyroid prevent me from getting travel insurance?
You should not be refused simply because you have hypothyroidism. However you may find that an insurer asks you to pay a higher premium than someone without an existing health issue. They may also choose to limit the cover that they offer. If you seek the services of a specialist insurer like AllClear, they should be able to help you arrange appropriate and competitive travel insurance.
Information and support for people who have an underactive thyroid
Thyroid UK offers an array of information on the symptoms and causes of both hypothyroidism and hyperthyroidism (overactive thyroid), together with details of its own and independent support groups around the country. The British Thyroid Foundation is another excellent charity offering advice, support and resources whilst the trusty NHS website has plenty of information on the condition.
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 underactive thyroid diagnosis prevent me from getting travel insurance?
AHaving an underactive thyroid diagnosis shouldn’t stop you from getting travel insurance. The quote you will receive depends on any medication you’re taking, and other conditions you may have.
QIs there any way to prevent underactive thyroid flare ups while on holiday?
AIt’s important to continue to take any prescribed medication while you’re on holiday. With travel insurance from AllClear, you’re covered for the emergency replacement of prescription medication. We’d recommend speaking to your GP in order to make sure you manage your condition in the best possible way while you’re on holiday.
QWill travel insurance cover my underactive thyroid medication?
AYes. Travel Insurance from AllClear covers the emergency replacement of prescription medications including those required for an underactive thyroid.
QDo I need to declare if I have an underactive thyroid 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 underactive thyroid. This ensures any medication you may be taking will be covered, as well as any treatment for your underactive thyroid you need to seek while you’re away.
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