Getting the right cover to travel with arthritis
Your arthritis doesn’t define you, so why should it define your holidays?
We believe that people living with arthritis shouldn’t feel that they can’t travel with their condition, especially given the benefits that a bit of sunshine can have on the joints, and spirits. That’s one of the reasons why we offer cover for a large number of pre-existing medical conditions, including arthritis for all ages.
We understand that arthritis is not just a condition that affects the over 50s; we speak to many younger people with arthritis too and can give you cover that suits your individual needs.
Can I travel with arthritis?
For the majority of people, it should be perfectly safe to travel with arthritis. In fact, travelling to a climate that suits your needs could be just what you need to relieve some of your symptoms.
We want you to be able to travel and enjoy your holiday to the full. Before you travel it’s best to check with your doctor to make sure it’s safe for you to travel and do any of the activities you may have planned on your holiday.
As part of our cover, we’ll need you to confirm that you’re fit and able to travel.
If your condition limits your movement, you should contact your airline or travel agency to make any arrangements that you might need to be able to travel more comfortably.
If you are travelling with arthritis, and any other medical conditions, it’s a good idea to get a letter from your doctor with the name and dosage of any medication you take for your conditions just in case you need extra medication during your holiday.
Before you travel, it is worth checking that your medication is not controlled in your destination country, and making appropriate arrangements to travel with your medication if it is controlled.
Do I need to declare my arthritis for travel insurance?
Yes, you do need to declare arthritis, even if it’s under control with medication, when getting travel insurance.
It’s actually essential for you to declare your arthritis, and any other pre-existing medical conditions, when getting travel insurance so we can cover them fully and treat people fairly.
We appreciate that arthritis can affect individuals differently depending upon the type and the severity of the condition. Some people with arthritis may have limited movement due to the condition, where others might be more mobile but affected in other ways. This is why we have our medical screening process, which allows us to find out how we can support your needs and treat people fairly.
It might be that you suffer from rheumatoid arthritis that affects certain organs in your body, or maybe you have symptoms of arthritis linked to another illness, such as Crohn’s Disease. Either way we need to know to be able to give you the best possible cover, so you can travel with confidence.
To give you a quote that meets your needs, we will need you to tell us about the nature of your arthritis, including the type and how it affects your daily life. If you have any other pre-existing medical conditions then we will need to know about these too, so we can build bespoke cover for your needs.
Is my arthritis covered by my European Health Insurance Card (EHIC)?
If you are planning a holiday or trip to Europe, you’ll need to get an EHIC.
The EHIC is free and entitles you to free healthcare in most European countries when you use their state healthcare. It’s best to check that your destination is covered by EHIC before you travel so you can be prepared if you do need any treatment during your holiday for your arthritis, or other conditions.
Your EHIC is not the same as having good travel insurance for your arthritis and pre-existing medical conditions and won’t cover you for things that go wrong, such as having to cancel your holiday. That’s where your travel insurance with pre-existing medical cover comes in. What your EHIC can do is reduce your medical costs where subsidised healthcare is available.
If you can use your EHIC to receive treatment, and you have had to pay a subsidised fee for your healthcare, we will remove the excess fee for your medical emergency claims.
My family don’t have arthritis, should they be on the same policy if we are travelling together?
Having a separate policy to cover your arthritis when travelling in a group or with family might seem like a good idea in principle. However, did you know that buying a travel insurance policy as a couple or family can sometimes work out cheaper and can also give you valuable benefits?
The main perk of having everyone on one policy for your trip is that you can be safe in the knowledge that you should all be covered if you have to cancel your holiday due to a medical emergency.
Buying your cover together on the same policy will give you and your family the added protection and reassurance if you do need to claim back the full cost of your holiday due to a medical emergency.
Annual Multi-Trip travel insurance
If you are planning on travelling more than once this year, taking out an annual travel policy with us may work out more cost-effective.Find out more
Single trip travel insurance
Wherever you intend to travel in the world, single trips of up to 550 days can be insured, giving you and your family peace of mind.Find out more
Why do people choose Avanti Travel Insurance?
If you choose Avanti for your arthritis travel insurance you can benefit from the following:
✔ Specialists in covering people with medical condition
✔ 24-hour medical emergency helpline
✔ UK Call Centre
✔ Easy online quote process
✔ Rated as Excellent on Trustpilot*
✔ Winner of the Personal Finance Best Travel Insurance Award for 2018/19
Benefits of our Travel Insurance
Choosing an Avanti policy could offer you the following perks:
- No upper age limit on Single Trip and Annual policies
- Unlimited medical expenses on Deluxe policies
- Cancellation cover of up to £7,500
- Up to £1,000 Hospital Daily Benefit on Classic and Deluxe cover
- Personal liability of up to £2,000,000
- Personal belongings cover of up to £3,000
- Up to 17 days winter sports cover included on Classic and Deluxe Annual Multi-trip policies, up to the age of 70
- Optional Gadget cover of up to £1,000
- Exclusive policy for cruises with a host of additional benefits available
- Optional Golf and Terrorism Cancellation Cover also available on our Classic and Deluxe policies
Types of travel insurance cover we offer
We offer two policy options, one exclusively designed for cruises and one for holidays on land. You can choose how long you would like to be covered for, whether this is just for one trip or annual cover for either of the policy options.
Whichever option you choose you’ll be able to travel worry-free knowing your medical conditions are covered.
What types of questions will I be asked about my arthritis?
As part of our medical screening process we will need to ask you some of the following questions about your arthritis to make sure we are able to cover you:
- What form of arthritis have you been diagnosed with?
- Ankylosing spondylitis
- Juvenile arthritis
- Psoriatic arthritis
- Reiter’s syndrome
- Rheumatoid arthritis
- Septic arthritis
- Still’s disease
- Both rheumatoid and osteoarthritis
- In the last five years has your problem interfered with activities in your daily living?
- Have you had any of your joints replaced or resurfaced?
I’ve already purchased Arthritis Travel Insurance, do I need to update you if my medical conditions change?
Yes, it is essential that you keep us updated if your medical conditions change. You can update your medical conditions on your policy by calling our Customer Services Team, who will be happy to help you. You will need to let us know about any new conditions before you travel on your policy in order to be covered for them.
Update your cover today by calling 0808 281 0389.
*Based on over 6,000 reviews on independent review site Trustpilot. Data accurate as of November 2018.
**Medical conditions apply