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.

Originally posted: 12th Dec 2019

Compare Diabetes Travel Insurance

Finding a travel insurance policy that’s right for you when living with type 1 or 2 diabetes can be hard. It’s not as straightforward as a typical insurance policy and requires a little more research and comparison.

That’s why Medical Travel Compared makes it as easy as possible for you, helping you to compare quotes for specialist travel insurance for diabetics within minutes.

With us, you can browse quotes from over 40 well-known and reliable insurance providers that provide exceptional cover at brilliant prices.

You’ll find the right policy for you in no time, leaving you free to get excited about your holiday.

Is diabetes a pre-existing condition for travel insurance?

Yes, diabetes is classed as a pre-existing medical condition and isn’t something that insurers automatically provide cover for. It’s not mandatory for you to buy diabetic travel insurance, but without it, you won’t be covered if you need emergency medical attention relating to your condition while you’re away.

Why do I need to declare my diabetes for holiday insurance?

It’s important to declare whether you have type 1 or 2 diabetes when applying for travel insurance because insurers don’t automatically provide cover for this condition.

If you find yourself in need of medical attention whilst on holiday and you aren’t covered, things can get expensive. Making sure you’re correctly insured means you won’t end up paying large amounts in the case of an emergency.

What’s more, some insurers can help if you miss a flight due to your condition, so it’s a good idea to check that your insurance covers this to avoid disappointment.

It’s also possible to claim for lost or stolen medication so you can continue with your holiday as you intended - hassle free!

Once you’ve declared that you have type 1 or 2 diabetes, you’ll be able to choose from a variety of amazing value quotes from over 40 reliable insurance providers in one place – no need to browse around multiple websites.

Our goal at Medical Travel Compared is to make it as easy as possible for you to get peace of mind, knowing you have the correct cover before your trip.

Why choose Medical Travel Compared?

Finding a great policy to cover your diabetes condition when travelling shouldn’t be a hassle. With Medical Travel Compared, you can compare a number of quotes from leading medical travel insurance providers to find a policy that works best for you.

Our service is fast and hassle-free, providing you with competitive insurance options within minutes so you can get back to planning your trip.

We’re the trusted comparison site for hundreds of people with diabetes looking for specialist cover – and we’d love to extend our services to help you too.

Still unsure? Take a moment to read reviews from happy customers who’ve found our service reliable, convenient and simple to boot.

Does travel insurance cover all types of diabetes?

Before deciding which travel insurance provider is right for you, there are a few basic things you’ll need to look out for in your policy, depending on which type of diabetes you have.

Here at Medical Travel Compared, we’ll show you a range of reliable providers that cover all types of diabetes – whether you have type 1 or 2. You’ll be able to easily compare prices and policies until you find one that works for you.

This may include cancellation and curtailment cover, personal liability, travel delay and of course - an acceptable limit included for medical expenses and repatriation.

Also bear in mind that the more cover you need, you may find that the cost of your policy will increase.

Travel insurance for type 1 diabetics

Type 1 diabetes occurs when the body doesn’t produce any of the insulin needed to regulate blood glucose levels. This means people with type 1 diabetes require regular insulin injections to keep their condition stable.

If you have type 1 diabetes, we have multiple options for you, so you’re sure to find a great deal with Medical Travel Compared.

Only around 10% of people with diabetes have been diagnosed with type 1, so it’s important to ensure you choose travel insurance that fully covers your condition.

While type 1 diabetes shouldn’t affect your travel plans, it doesn’t hurt to make sure you’re fully prepared – just in case. Make sure you disclose your condition on your insurance form and put your mind at ease with specialist travel insurance.

Travel insurance for type 2 diabetics

We’re also here to help if you have type 2 diabetes.

Type 2 differs slightly from type 1; the body still produces insulin – but not quite enough. Typically, you don’t need daily injections to keep your condition stable, but sometimes tablets are prescribed by a doctor if the condition worsens over time.

With Medical Travel Compared you can quickly and easily compare a range of different options from reliable insurance providers to find a policy that works for you.

This condition shouldn’t prevent you from travelling either, but you can put your mind at ease by comparing competitive travel insurance options with Medical Travel Compared today. That way, you’ll know that you’re covered no matter what, allowing you to relax and enjoy your holiday.

Cheap travel insurance for diabetics

Travel insurance for diabetics isn’t mandatory – but without it, you’re unlikely to be covered for any medical emergencies that may arise as part of your condition while on holiday.

While the price is an important factor in choosing an insurance provider, you need to make sure the option you choose provides full coverage. Medical Travel Compared makes it easy for you to compare multiple travel insurance options to find the best one for your condition at the best price.

The base rate for a standard travel insurance policy is usually calculated based on the following:

  • Age
  • Destination
  • Duration of stay

All of the above can affect the base price of your policy – but add specialist travel insurance cover for diabetes on top of this and your premium is likely to increase. This is because it needs to protect you in the event of you needing additional medical treatment while you’re away.

This cost will also vary from provider to provider – but you can compare all of your options quickly and easily with Medical Travel Compared.

Single trip travel insurance with diabetes

If you’re heading off on a single holiday, a single trip policy is best.

This option is the most cost-effective choice for people who only go on one – maybe two – holidays per year. A single trip policy will cover you for the dates you are away and nothing more.

Don’t forget to make sure the policy you choose is relevant to your specific type of diabetes, then you can rest assured you’ll be covered should anything happen on your trip.

Annual travel Insurance with diabetes

If you travel often throughout the year – an annual insurance policy might be a more cost-effective option.

Use Medical Travel Compared today to find an annual policy that works for you and save yourself the time, effort and expense of taking out a new policy for each trip. Just make sure you include your specific diabetes condition to make sure the options we share with you provide full coverage.

It’s likely that towards the end of your policy, your provider will give you the option to renew, so keeping yourself up-to-date and insured is simple.

Can you fly with diabetes?

Yes, diabetes isn’t a barrier to flying – you just need to make sure you’re fully prepared. Split out your diabetes supplies into a separate bag inside your luggage (with enough supplies in your hand luggage too in case your bag gets lost). Make sure you’re carrying your diabetes ID and a letter from your GP which covers what medication you need and equipment you’re carrying, such as syringes.

Keeping a checklist of everything you need to pack is helpful for ensuring peace of mind and making sure you don’t forget anything when you start packing for your trip.

Frequently Asked Questions

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.

It's easy! Enter your details just once and you'll be able to compare quotes from over 40 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.

* Price is based on 1 traveller aged 61, who has declared either Diabetes Type 1 or Diabetes Type 2 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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