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.
Get your diabetic travel insurance quote online or call us for free on 0800 888 6195.
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.
You can get a quote for diabetes travel insurance online or speak to us by calling 0800 888 6195.
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.
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
Cruise travel insurance
Our cruise insurance provides cover for cabin confinement, missed port and more, so you can set sail with confidence.
Find out moreWhy do people choose Avanti Travel Insurance?
✔ 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
- 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 £10,000 cruise cancellation cover)
- 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*
- End Supplier Failure cover of up to £2,500 included on Classic and Deluxe policies
- 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
What is Hospital Daily Benefit
We understand that being admitted to hospital during your holiday is one of the last things you want. That’s why we offer up to £1,000 Hospital Daily Benefit on our Classic and Deluxe cover. So if you are admitted to a state recognised hospital abroad as an in-patient for more than 24 continuous hours, we can help you. This will help you cover the costs of taxi fares and other additional expenses during your hospital stay.
Types of travel insurance policies that we offer
We offer two policy options, one for holidays on land and one exclusively for cruises. Whether you are planning on taking a single trip or several trips throughout the year, you can choose how long you want to be covered for.
Depending on the type of policy you need, we have different levels of cover available. When choosing the best policy for your needs, it’s a good idea to think about what you need to cover first.
For example, thinking about how much your holiday has cost per person – this should be the amount you need to cover for cancellations and having to cut your holiday short. It’s worth bearing in mind that sometimes the cheapest option will not always cover your holiday plans.
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
If you’re ready with this information you can either get a quote online or call 0800 888 6195.
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.
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
Essentials, Classic and Deluxe Policy wording document
Cruise Policy wording document