Getting the right cover to travel with asthma
You aren’t defined by your asthma, so why should it define how you spend your holidays?
We believe that having asthma shouldn’t stop you from being able to travel as often as you’d like to. In fact, taking a holiday abroad might be just what you need to feel more refreshed. That’s why we consider all pre-existing medical conditions for our travel insurance.
Feeling inspired to discover more of the world at your pace? Let’s get your asthma travel insurance sorted first so you can travel with confidence knowing you’re fully covered.
Get your travel insurance for asthma quote online or call our UK-based Contact Centre on 0800 888 6195.
Do I need to declare my asthma when getting travel insurance?
Yes, it’s essential for you to declare your asthma, along with any other pre-existing medical conditions you have, when getting travel insurance.
By telling us about your medical conditions and the nature of your asthma, we can make sure that any cover we offer you will meet your individual needs and work for you.
Maybe your asthma is under control and you only need to use an inhaler occasionally, or perhaps you get out of breath in warmer climates and need additional equipment to make breathing easier. We need to know the nature of your condition so that the cover we provide is fair and meets your needs fully.
If you didn’t declare a pre-existing medical condition and needed to make a claim for any treatment for this condition when you were abroad, we would not be able to cover you for it. So telling us about your pre-existing medical conditions is very important, both for getting you insurance for your needs and for saving you from unexpected medical fees.
Travelling with asthma
As an expert provider of medical travel insurance, we know that one-size doesn’t fit all, especially with asthma and other breathing conditions.
Maybe you’ve had asthma since you were young and only carry an inhaler in case of emergencies, or perhaps you are dependent on other medication to keep your asthma under control. Either way there are precautions that you can take that will allow you to enjoy a safe and comfortable journey when travelling with asthma.
It’s a good idea to carry your inhalers, along with your prescription labels, with you in your hand luggage, just in case you need these when you are travelling to and from your holiday destination. Make sure that you take an inhaler everywhere with you during your holiday; whether it’s on day trips, or just lounging by a pool in your resort, you never know when you might need it.
Getting a note from your doctor that lists the name and dosage of any medication you take for your asthma, and any other conditions, is a good idea, just in case you lose any medication or need more during your holiday.
If you use a nebuliser regularly and need it when you travel you should contact your airline or travel provider to make the necessary arrangements so you can travel with peace of mind.
Is my asthma covered by my European Health Insurance Card (EHIC)?
If you are planning a holiday or trip to Europe, you will 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. Before you travel, you should check that your destination is covered by EHIC, so you can be prepared if you do need treatment for your asthma, or other conditions, during your trip.
Your EHIC is not the same as having good travel insurance for your medical conditions and won’t cover you for things that go wrong, such as emergency transportation home. That’s where your travel insurance with pre-existing medical cover comes in. What your EHIC can do is reduce your medical costs where subsidized healthcare is available.
If you can use your EHIC to get treatment for your condition and you have to pay a subsidized fee for your healthcare, we will remove the excess fee for your medical emergency claims.
My family don’t have asthma, should they be on the same policy if we are travelling together?
You might think that it is better to buy a separate policy that covers your asthma to your family when going away. Buying a travel insurance policy together can often be cheaper and also gives you additional benefits, as well as peace of mind.
The biggest benefit of buying your travel insurance together is being able to travel with the confidence that you should all be covered if you have to cancel your holiday due to a medical emergency. If you had purchased separate policies, it is unlikely that any traveller, other than the person who is ill, would be covered for having to cancel the holiday.
So 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 choose Avanti?
Choosing Avanti for your asthma travel insurance can give you the following additional benefits:
✔ 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 Avanti Travel Insurance
- No upper age limit on Single Trip and Annual policies
- Unlimited medical expenses on Deluxe cover
- Up to £1,000 Hospital Daily Benefit
- Personal liability of up to £2,000,000
- Cancellation cover of up to £7,500 (Cruise cancellation cover up to £10,000)
- Personal belongings cover of up to £3,000
- Up to 17 days winter sports cover included on Annual Multi-trips, up to the age of 70**
- Exclusive policy for cruises with a host of additional benefits available
- Optional Gadget cover of up to £1,000
What is Hospital Daily Benefit?
We know that having to have treatment in hospital is one of the last things you want when you’re on holiday. That’s why we offer Hospital Daily Benefit of up to £1,000 on our Classic and Deluxe policies.
So if you are admitted to a hospital that’s state recognised for 24 continuous hours and you have a Classic or Deluxe policy, we can help you with the additional costs and give you some peace of mind.
Types of travel insurance cover we offer
We can offer you the option of two types of cover depending upon whether you are travelling on land or are taking a cruise.
You can then choose how long you’d like your cover to be for. It might be that you only need cover for a single trip or want to take out annual cover in case you want to book extra holidays throughout the year.
When you’re deciding which policy best suits your needs, it’s a good idea to think about what you want to be covered for as well as your pre-existing medical conditions.
If you’ve already booked your holiday think about how much you paid per person and whether you want to be covered for the full cost of the holiday if you needed to cancel or cut the holiday short.
Choosing the cheapest option might seem like a good idea in principle, but could leave you out of pocket if you do need to cancel your holiday due to unforeseen circumstances. We ask for an approximate cost of your holiday per person so we can advise whether we are able to cover you for the full cost if you needed to cancel due to an emergency.
What types of questions will I be asked about my asthma?
So we can give you a quote that meets your needs, we will need to ask you the following questions about your asthma:
- How many medicines are prescribed for your breathing condition (count each inhaler as one medicine)?
- Have you ever had a diagnosis made of COPD (chronic bronchitis or emphysema)?
- Have you had any unplanned hospital admissions due to this condition?
- How short of breath do you get when walking on the flat?
- Have you ever been prescribed oxygen other than when you were in hospital?
- Have you ever been a smoker?
- In the last year have you had a chest infection or an episode of pneumonia?
If you can answer these questions and are ready to book your asthma travel insurance, get a quote online or call 0800 888 6195.
I’ve already purchased cover for my asthma, do I need to keep you updated if my medical conditions change?
Yes, it is essential that you contact us if your medical conditions change so we can add any new conditions to your policy. 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, other than your asthma, before you travel on your policy.
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 restrictions apply