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.
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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.
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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