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COPD Travel Insurance

Getting the right cover to travel with COPD

When you have chronic obstructive pulmonary disease (COPD), you’ll want to be covered properly for your holiday so you can travel with confidence.

Winner of 21st Annual Personal Finance Award for Best Travel insurance for 2018/19

With our specialist medical travel insurance, we consider all of your pre-existing conditions. We help, where we can, to cover conditions such as COPD, as well as other breathing conditions.

We know that one-size doesn’t fit all when it comes to medical conditions, especially with COPD. It might be that your condition is under control with medication, such as inhalers, or perhaps you need oxygen to be able to breathe more comfortably.

That’s why we have our medical screening process, so you can tell us about the nature of your condition and how it affects you. By telling us this information we can build you a level of travel insurance that meets your individual needs.

When you’re ready, you can get a quote and pay online, or if you’d rather speak to us in person, you can call our UK Contact Centre for free on 0800 888 6195.

Do I need to declare my COPD when getting travel insurance?

Yes, you will need to declare your COPD, and any other medical conditions that you may have, when getting travel insurance so that these can be included within your cover.

If you didn’t declare your pre-existing medical conditions when you took out your travel insurance and needed to make a claim for treatment, we would not be able to cover your claim.

We want you to be able to travel with confidence and peace of mind, knowing that you’ve got great cover for your medical conditions.

Get a quote for COPD travel insurance online or call us for free on 0800 888 6195.

Travelling with COPD and breathing conditions

Before we provide people with cover, we have to check that they are fit and safe to travel.

You should check with your doctor to make sure that they are happy for you to travel with your medical conditions.

It’s a good idea to get a letter from your doctor that details the name and dosage of any medication you take for your conditions, as well as any medical procedures you’ve had, to take with you. You should pack more medication than you would normally need for your holiday just in case of any travel delays or lost luggage.

If you are flying to your holiday destination and need oxygen on your flight, you will need for your doctor to specify this in a letter which you can then show to your airline and travel provider if needed.

If you use an inhaler to control your COPD, it’s a good idea to have this with you at all times during your holiday, as you never know when you might need it.

Is my COPD covered by my European Health Insurance Card (EHIC)?

If you are planning on travelling to Europe, you will need to get an EHIC as a condition of our travel insurance.

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 that you can be prepared in case you do need any treatment 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 having to cancel your holiday, or 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 subsidised healthcare is available.

If you can use your EHIC, and you have had to pay a subsidised fee for your healthcare, we will remove the excess fee for your medical emergency claims.

Annual Multi-Trip <span style='display:block'>travel insurance</span>

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.

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Single trip <span style='display:block'>travel insurance</span>

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.

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Cruise <span style='display:block'>travel insurance</span>

Cruise travel insurance

Our cruise insurance provides cover for cabin confinement, missed port and more, so you can set sail with confidence.

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Why choose Avanti?

✔ All medical conditions considered – including COPD
✔ No upper age limit on Single Trip and Annual policies
✔ Travel as often as you like with our Annual Travel Insurance*
✔ Cover for UK, Europe and worldwide holidays
✔ Three levels of cover to choose from
✔ Over 85 sport and adventure activities included as standard
✔ Optional upgrades for winter sports, golf, cruises and more…
✔ Rated as Excellent on Trustpilot**
✔ Winner of the Personal Finance Best Travel Insurance Award for 2018/19

Benefits of Avanti Travel Insurance

We offer three levels of cover, but our Deluxe cover is our most comprehensive option.

As well as being rated as 5 stars by Defaqto, it offers these benefits and more to people with COPD:

  • Up to unlimited medical expenses
  • Cancellation cover up to £7,500 (up to £10,000 cruise cancellation cover)
  • 24-hour medical emergency helpline
  • Baggage covered up to £3,000
  • No excess payment

Of course, as an insurance provider, we cover the costs of something going wrong. But if you have a medical emergency while you’re on holiday, what’s more important is that we’re here to help you in your time of need.

From helping you to find the best medical facility for your needs to helping with translation between you and your medical team, our medical emergency helpline is on standby 24 hours a day. To make it easier for you to contact us, you can even reverse the charges for calls to our medical emergency helpline.

If needed, we’ll then help you to get back home safely, including sending out a friendly trained medical professional to fly back with you.

As for settling the bill, having a medical emergency abroad can be really expensive. That’s one of the reasons why you’re looking at travel insurance, right?

Where your medical bill comes to over £350 and you have a valid claim, we’ll look to settle the bill directly with the medical provider where possible. That means that you won’t be out of pocket and you can concentrate on more important things like getting better.

The rest of my family don’t have COPD, should they be on the same policy if we’re travelling together?

As well as sometimes being cheaper to buy policies together as a family, there are some lesser known, but important, perks of buying together.

The biggest benefit of buying together is knowing that you should all be covered for having to cancel if one of you has a medical emergency.

If you’d bought separate policies, then any other traveller may not be covered for having to cancel the holiday due to your medical emergency.

So covering together with the same policy gives you added protection to claim back the full cost of your holiday instead of a portion of it.

Types of travel insurance cover we offer

Now you know where you can get your travel insurance for your COPD and other medical conditions, you can start thinking about the other things you need to be included in your policy.

You can choose a policy that will cover you for holidays on land or a policy that’s exclusively designed for cruises, depending upon the holidays you prefer.

From there you can then decide whether you want to buy cover for a single trip or if you want to buy annual cover, so you can be reassured that you’ve got great travel insurance throughout the year.

On all of our policies we provide cover for loss of personal baggage, passports and personal liability, so you can choose the level of cover that best suits you, from our Essential, Classic and Deluxe cover.

Here’s a summary of our three levels of cover, so you can choose the right option for your needs:

  Essentials Classic Deluxe
Cancellation and cutting your holiday short £1,000 £5,000 £7,500
Medical expenses and repatriation £5m £10m Unlimited
Personal baggage £1,000 £2,000 £3,000
Travel delay

£30 for the first full 12 hours

£15 for all other full 12 hours

up to £300

£50 for the first full 12 hours

£15 for all other full 12 hours

up to £500

Missed departure £1,000 £1,500
Personal money and passport £300 £500 £600
Personal liability £2m
Excess £150 £75 Nil

What questions will we ask about your respiratory conditions?

When applying for our cover, we’ll ask you a few multiple choice questions to help understand how your COPD affects you in your day-to day life.

We’ll always respect your confidentiality and will use the information to build cover that suits your individual needs.

Here’s a few questions we commonly ask:

  • How many medicines are prescribed for your breathing condition?
  • How many hospital admissions have you had in the past year?
  • How short of breath do you get when walking on the flat?
  • Have you ever been prescribed oxygen other than when you were at hospital?
  • Have you ever been a smoker?
  • In the last year, have you had a chest infection or an episode of pneumonia?
  • How many episodes have you had in the past year that have required antibiotics?
  • Has the infection fully resolved?
  • Do you have any other respiratory conditions other than COPD?

Let’s go get your travel insurance with COPD quote today!

Get a quote online in just a few minutes or you can talk to us for free on 0800 888 6195.

I’ve already got cover for my COPD; do I need to keep you updated if my medical conditions change?

Yes, it is essential for you to keep us updated if there are any changes to your medical conditions, or if you are diagnosed with a new condition, so these can be considered within your cover.

You will need to let us know about any new conditions before you travel in order to be covered for them on your policy.

Update your policy today by calling our friendly Customer Service Team on 0808 281 0389.

* Upper limits apply
** Based on over 6,000 reviews on independent review site Trustpilot. Data accurate as of November 2018.

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Essentials, Classic and Deluxe Policy wording document

Cruise Policy wording document