Diabetes travel insurance.

Getting the right cover to travel with diabetes

Diabetes, whether Type 1 or 2, doesn’t stand in the way of you travelling and enjoying your holidays.

The world’s waiting. But before you go, let’s get your travel insurance sorted to make sure your diabetes is covered.

As a specialist provider of travel insurance for people with medical conditions, including diabetes, we know that one-size doesn’t suit all. With us, you can get cover to suit your needs and holiday plans to a level that fits you.

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

Yes, it’s really important that you declare and cover your diabetes, along with any other conditions, on your travel insurance.

We want you to be able to travel with confidence knowing that if you need emergency medical assistance for your diabetes, or anything else, you will be covered.

Without declaring diabetes, you won’t be fully covered for any potential claim that may be caused by your condition.

To give you a quote that meets your needs, we will need to find out more about how your pre-existing medical conditions affect you. That includes your diabetes. By giving us as much detail as you can, you will be able to enjoy your holiday worry-free.

What questions will I be asked about my diabetes?

As part of our medical screening process we will need to ask you some of the following questions to help build a policy that covers you:

• Do you take medication for your diabetes?
• How many unplanned admissions to hospital have you had for diabetes in the last two years?
• Have you ever been a smoker

We will also ask you if you have or have had any of the following conditions:

• Stroke
• amputation of leg, foot or toe
• nerve damage
• retinal eye damage
• leg or foot ulcers
• impairment of kidney function
• peripheral vascular disease
• angina
• heart attack

Is my diabetes 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 worth being prepared in case you experience a medical emergency related to your diabetes during your holiday. Before you travel, check that your destination is covered by EHIC, as not all countries accept it.

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 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.

My family don’t have diabetes, should they be on the same policy as me if we’re travelling together?

You might think that it is better to buy a separate policy that covers your diabetes to your family or fellow travellers when going away. Buying a travel insurance policy together can often be cheaper and also gives you additional benefits.

The biggest benefit of buying your travel insurance together is being reassured 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 fully 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, instead of only a small percentage of it.

I’ve already purchased diabetic cover, do I need to update you if my medical conditions change?

If you need to update your medical conditions on your policy our Customer Services Team can 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.