Tommy Lloyd
Author: Tommy Lloyd, Managing Director

Tommy has over 15 years experience within the insurance industry, and his primary focus is helping travellers find the right cover for their medical conditions.

Why do I need specialist insurance that covers asthma?

Asthma is a common condition in the UK, and with 1.1 million children and 4.3 million adults actively receiving treatment, it’s not something you should forget to tell your travel insurance provider about. 

Unlike most standard travel insurance policies that will include a limited amount of cover for medical expenses, specialist travel insurance covering asthma is there in case you need to make a claim for any asthma-related issues during your trip.

Asthma is classified as a pre-existing condition - and Medical Travel Compared has helped many people with a range of different pre-existing conditions find competitive cover to suit their needs. 

In fact, with us - you can compare cover from a variety of leading travel insurance providers in minutes. We make it simple for you to shop around for the right policy to suit you - so you can sooner get back to the more exciting part of planning your trip.

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Does asthma affect the cost of travel insurance?

Once you disclose a pre-existing medical condition like asthma, it’s very likely that this will affect your premium. 

However, this is always treated on a case-by-case basis - as the severity of your condition will also impact your condition. This is determined by the medical screening questions you might be asked as you go through the process. 

This gives providers more of an insight into your medical background - enabling them to offer you a policy that should provide suitable cover. 

However, pre-existing medical conditions are not the only thing that affect your premium. Other factors like destination, can also impact your premium – especially if healthcare costs are particularly high in that country.

What’s covered in a travel insurance policy for asthma sufferers?

Specialist asthma cover will usually cover the following:

  • Emergency Medical Expenses and Repatriation - if you require medical attention as a result of asthma, or if you need to be repatriated back to the UK in an emergency.
  • Lost, Stolen or Damaged Personal Belongings - including any medication, like ventolin inhalers, for example.
  • Cancellation and Curtailment - the insurance provider will cover you in the event of needing to cancel your holiday or cut it short for a certain reason (usually medical).
  • Travel Delay - this won’t always be included, check with your provider.
  • Personal Liability - if you cause accidental damage to another person or someone else’s property - cover is provided.

Again, we work with plenty of specialist asthma travel insurance providers - and you can compare cover in minutes thanks to our quick and easy-to-use online comparison tool.

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Travel insurance for children with asthma

Asthma is the most common long term medical condition amongst children, particularly under the age of five, who have asthmatic symptoms not to be given a confirmed diagnosis of asthma. This is because young children's airways can become irritated easily by viruses, making it hard for doctors to confirm a diagnosis.

This can cause difficulty for parents when applying for travel insurance as undiagnosed conditions cannot be covered. However, there is a way around this. Check the exact medical term stated on your child’s medical records.

It often tends to be ‘viral-induced wheeze’ also known as ‘RSV Bronchiolitis’ or ‘Respiratory Syncytial Viral Bronchiolitis’ – if this is the case, simply disclose the medical term to obtain cover.

As with adults, asthmatic children shouldn’t enjoy their holidays any less if they suffer with the condition.

Again, with careful planning and consideration, your child’s asthma can be kept under control for the duration of your trip. You need to make sure that you look after their various prescriptions and medication – taking them everywhere you go.

Bear in mind that the air pressure/quality onboard an aircraft might have the potential to offset your child’s asthma. Encouraging them to drink water to avoid drying of their airways is one way in which you can help. Ventolin inhalers tend to be below the 100ml limit required for hand luggage – so it’s also recommended to bring this type of medication on the plane with you.

Compare quotes and find cheap asthma travel insurance

We understand that it’s not always easy to find the right travel insurance at a reasonable price, but our straightforward online comparison tool does the legwork for you. 

We make it simple for people with asthma to compare suitable travel insurance at a competitive price - for hundreds of pre-existing medical conditions.

And, we work with all the leading providers in the industry - so you’ll be able to find something that works for you in minutes. 

Why not get started today and see for yourself?

 

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Frequently Asked Questions

Yes, we compare policies from over 40 specialist providers to find great cover for people who suffer from asthma. Get a quote.
The cost of travel insurance will depend on the severity of your condition, amongst other factors. However, it is possible to find cheap cover, and at MTC, we compare cover from as little as £9.44*. Get a quote now.
A pre-existing condition is a diagnosed medical condition that existed before taking out a policy. We'll ask a series of questions about the medical history for you and any travellers on your quote. If you answer yes to any of these, you will need to tell us about the traveller's conditions. This could be a condition that a traveller has now, or has had in the past. If you are not sure what conditions you need to declare, we have online support available to help you 24/7!
It's really simple and quick to do! After you've told us about your trip details and answered some medical history questions you can add your pre-existing conditions, one by one, for each traveller. You'll only need to enter your details once, it's all online and there's no need to call, or provide details of your conditions in writing.
Once you've declared all of your relevant pre-existing medical conditions we'll only show you quotes based on the conditions you have told us about.
No, we are unable to provide cover with any of your pre-existing medical conditions excluded.

* Price is based on 1 traveller aged 61, who has declared anxiety and is travelling to Spain for 7 nights. Price is correct as of December 2019. Prices may vary according to your individual requirements.


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