Travel Insurance For Diabetics
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.
Diabetes travel insurance
It’s not compulsory to buy a diabetic travel insurance policy, but you must be aware that standard cover is unlikely to protect you should your diabetes cause a problem whilst on holiday.
What does diabetes travel insurance cover?
The cancellation and emergency medical assistance section of the policy will also extend to unplanned complications of diabetes, allowing you to claim for out of pocket expenses if you’re unfit to travel or require hospital treatment abroad (terms and conditions vary).
Diabetic travel insurance can also cover your flights, in case you miss your flight because of your condition – it’s a good idea to check that your insurance covers this.
Similarly, we would advise you to make sure any travelling companions are covered within your policy so that they’re covered too should you become ill during your trip.
Travel insurance for diabetics (type 1)
Specialist travel insurance for type 1 diabetes is available from multiple insurers. And you can find a great deal with Medical Travel Compared.
Although only around 10% of people with diabetes have been diagnosed with Type 1 – we feel it’s important to ensure everyone has access to good travel insurance.
There’s no reason as to why having type 1 diabetes should prevent you from travelling, and enjoying holidays. You just have to make sure you’re well prepared.
It will need to be disclosed on your insurance forms – but travel insurance for type 1 diabetics is available, and will put your mind at ease.
Travel insurance for diabetics (type 2)
Also available is travel insurance for type 2 diabetes. Medical Travel Compared can find you a range of different options – from which you can choose a plan suitable for you.
As with Type 1, Type 2 diabetes shouldn’t prevent you from travelling. It is a lot more common than Type 1, so there are plenty of options for Type 2 diabetes travel insurance out there.
Diabetes travel insurance medical screening tips
And when declaring diabetes online using our medical screening system, it’s important that you don’t forget to tell us about all of your past and present conditions in order to be presented with diabetic travel insurance quotes that will cover you properly.
What’s even more crucial is making sure you’re well prepared for your trip.
Cheap travel insurance for diabetics
Diabetes travel insurance is not mandatory – but without it, any issues that arise due to your condition will not be covered in your policy.
You should never base your decision to buy travel insurance on price alone but on the level of cover it provides.
That said, accepting the first quote you’re given or buying through your travel agent may not be the cheapest.
Here at MedicalTravelCompared.co.uk you can compare cover in 3 easy steps to find cover that meets your needs at a cheap rate. In many instances, if diabetes is well controlled, we can find you cover at no extra cost.
Can you fly with diabetes?
If you’re concerned in anyway about how your diabetes or the medication prescribed might affect your holiday, ask your doctor for advice before you book your trip. You may also find this information page on ‘Travelling with Diabetes’ by the NHS helpful.
Frequently Asked Questions
We’ll only show you quotes from providers who are able to cover emergency medical expenses (including repatriation to the UK) if you catch the virus whilst travelling abroad.
Some of our providers are able to offer additional cover, such as cancellation cover should you catch COVID-19 or have to self-isolate because of suspected symptoms before departure. We’ll make it clear who these providers are when you’re comparing quotes so you can choose the policy that is right for you.
This doesn’t apply to all insurance providers, so unless otherwise stated, for all other sections of cover, you wouldn’t be covered if making a claim as a result of COVID-19.
For more information, we recommend reading our full guide here.
If the FCDO are advising against all or all but essential travel to your destination at the time of your trip, there will be no, or extremely limited cover provided by your policy.
You can still choose to take out a policy now for a future holiday, but it is very important to note that if the FCDO are still advising against all but essential travel to your destination at the time of your trip, your cover will not be valid.
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 is 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.
It's easy! Enter your details just once and you'll be able to compare quotes from over 30 specialist providers. We'll even e-mail your top quotes to you so you can access them at any time. Once you've found the policy that is right for you, pay securely online and your documents will be sent to you directly from your insurance provider.
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If we're unable to help you find cover for a pre-existing medical condition, the Money Helper Directory has listings of companies that may be able to assist you. Further details can be found on their website.