Travel insurance for digestive conditions.

Be protected with your travel insurance for digestive conditions

When you tell us about your digestive conditions, we can build personalised travel insurance that makes you feel safe from the start.

Flexibility to change details online

When you buy a policy from us, you can manage it yourself by logging in to your My Avanti account. Here you can:

• access policy documents
• update traveller details
• change your single trip dates (limits apply)
• renew an annual policy if you have no changes to make
• and more.

If you have questions about Covid-19 and how it affects your holiday plans, visit our Covid-19 help page.

Why keeping your travel insurance updated is important

John¹ had never claimed on his travel insurance before, but while on holiday in the USA, he was relieved to have it.

Having had a fall, John was treated straight away after telling the hospital that he had travel insurance. He called our 24-hour medical helpline and we told him not to worry because we would arrange to pay the hospital directly. There was no need for John to pay anything. So, John could focus on the most important thing – getting better.

When you travel with personalised, up-to-date policy like John’s, you can have the confidence that if an unexpected problem arises, we’ll always be on hand to help.

Do I need to have had both my Covid jabs to be covered?

As long as you’ve had the vaccines you’ve been offered for Covid-19, you should be covered. If you haven’t been offered both doses yet or you’re medically exempt then you can also be covered.

If you’ve refused any doses of the vaccine or haven’t been able to have a dose you’ve been offered, you won’t be covered.

Do I need to tell you about my digestive condition when getting travel insurance?

We need to know about your digestive condition, along with any other pre-existing medical conditions, so we can personalise your travel insurance.

Telling us about your digestive condition, and any other health conditions you may have, means you’ll be covered if you have a medical emergency that could have been caused by your condition.

By not telling us, you wouldn’t be covered for anything related to existing health conditions you may have.

Some of the digestive conditions we cover are:

• Crohn’s disease
• Colitis
• Irritable bowel disease (IBS)
• Hiatus hernia
• Gastroesophageal reflux disease (GERD)

Can I get travel insurance if I’m waiting for surgery for my digestive condition?

If you’re waiting for surgery for your digestive condition, you may still be able to get travel insurance.

Take a look at our list of surgeries that we can cover with our travel insurance.

What questions will I be asked about my digestive condition?

We’ll ask you a few questions about your digestive condition so we can build a policy that’s right for you. This allows us to get a better idea of how your health affect you on a daily basis.

Don’t worry, we like to do things step by step, at a pace that suits you.

Some of the questions we may ask you about your digestive condition are:

• How many operations have you had to treat this condition?
• When was your most recent operation?
• Have you needed regular drug injections or infusions?
• Have you ever had a bowel obstruction?
• How many medicines do you take?
• Have you had a procedure to widen a narrowing of the oesophagus (food pipe)?
• Do you take regular medication?

Is my digestive condition covered by my Global Health Insurance Card (GHIC)?

If you’re planning a holiday to Europe, you’ll need to take a free GHIC (or an EHIC) as a condition of our travel insurance.

When the United Kingdom left the European Union, the GHIC replaced the EHIC as the means for accessing free or subsidised healthcare in selected European countries. Before you travel, make sure you check that your destination is covered by GHIC, just so you’re ready if you do need any emergency or necessary treatment for your digestive condition during your trip.

Remember, your GHIC is not the same as having good health conditions travel insurance. For example, it won’t cover you if you need to cancel your holiday.

Your GHIC helps reduce your medical costs where subsidised healthcare is available. If you can use your GHIC and have to pay a subsidised fee for your treatment, we’ll remove the excess fee on medical emergency claims for you.