Do I have to declare type 2 diabetes on my travel insurance?

Type 2 diabetes is classed as a pre-existing medical condition, even if you don’t take any medicine for it. So make sure you tell us about it when you take out your policy for peace of mind you’ll have the right cover if you need to claim. Other types of diabetes you also need to tell us about include: · Type 1 diabetes · Gestational diabetes · Pre-diabetes

Do you have to declare pre-diabetes on travel insurance?

It’s still important to tell us if you’ve been diagnosed with pre-diabetes. If you don’t, you won’t be covered if you need to make a claim related to your condition. Even if you think it’s unlikely to happen, you’re more protected if you tell us everything you can about your health. That way, you can compare the cover you know is right for you.

Will a GHIC or EHIC cover my diabetes on holiday?

Your GHIC or EHIC card will cover emergency medical treatment you might need across most European countries, but it’s not a substitute for travel insurance. Your travel insurance will cover you for more including: · Lost luggage · Cancelling your holiday or cutting your trip short · Getting you home in a medical emergency Most insurers need you to have a GHIC or EHIC in addition to your policy, so it’s a good idea to pack this too. You can read more about the GHIC and EHICs in our guide.

What type of policy do I need for diabetes?

You don’t need to buy a different kind of policy specifically for diabetes. All you need to do is let us know about your health and you’ll be able to compare a range of policies that are right for you. This could include a single trip if you’re only going on one holiday or an annual multi-trip if you travel more often. It’s a good idea to think about what type of cover you need, as this might help you decide whether to go for a single trip or annual policy. Our guide to what to look for in your travel policy compares both to help you find the best insurance for you.

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What does diabetes travel insurance cover?

As a diabetic, you can still get affordable travel insurance that works for you. Not all travel insurance policies will cover diabetes as standard, so it’s important to make sure you declare and cover diabetes on your travel insurance to feel peace of mind. Most policies include:

Medical costs

This could help towards the cost of medical bills if you need treatment during your trip. It should also cover you for repatriation if you need to be transported back to the UK for a medical emergency.

Cancellations

If you have to cut your trip short or cancel it all together, the right level of cover could let you claim money back. If someone else is travelling on the same policy, make sure they’re covered as well. That way, they might be able to claim back costs too if anything unexpected happens.

Travel disruptions

You should be protected if you miss a flight or connection, for reasons that weren’t your fault.

Lost, damaged or stolen personal items

You could claim back the cost if any of your personal items are lost, stolen or damaged during your trip. This includes luggage.

Do you have to declare diabetes on travel insurance?

It’s important to declare all pre-existing medical conditions when you buy travel insurance. That way, we can make sure you have the right cover for your needs. If you make a claim on your travel insurance and haven’t declared important information about you and any pre-existing medical conditions, it could be rejected.

How much is diabetic travel insurance?

The price of travel insurance depends on a number of factors. This includes:

Medical conditions

If you have any pre-existing medical conditions, such as diabetes, cover will be more expensive. That’s because there’s a higher chance you’ll need to make a claim.

Destination

Like the USA, some countries have more expensive healthcare. This means your cover will cost more. And if you’re going to a country more prone to natural disasters, this might make it more costly.

Activities

Some activities, such as winter sports, are considered high-risk. If you want to enjoy them, you’ll need extra cover.

Trip length

You’ll need more cover for longer trips. This will cost more because your insurer will have to cover you for longer.

Age

As you get older, there’s a higher chance of becoming unwell or injuring yourself on holiday. So, your travel insurance will probably cost more. Explore specialist cover for 50s, 60s and 70+ and get the right level of protection.

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What will I be asked when getting travel insurance with diabetes?

You'll be asked a few questions about your diabetes when you look for quotes. This helps us find the best cover for your needs. You might be asked:

Whether you take insulin
What type of diabetes you have (Type 1, Type 2, Gestational)
If you have any related health issues
If you’re a smoker
If you’ve had any unplanned hospital admissions
Whether you’ve been asked to take medication for high blood pressure or to lower your cholesterol

Questions can vary depending on your health. To make things easier, we suggest having the right information to hand before you start your quote. It’s important to answer the questions as honestly and accurately as possible. This means you can compare cover you know is right.

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Single tripCovers you for one trip

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