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: 18th Dec 2019

COVID-19 Cover Update

We’ll only show you quotes from providers who are able to cover emergency medical expenses if you catch the virus abroad, and some of our providers are able to offer additional cover. Please see the below frequently asked questions, or read our full guide for more information.

Lupus travel insurance

Being a specialist travel insurance comparison website for people with medical conditions, we totally understand that lupus is by a far a clear-cut condition and that symptoms of this autoimmune disorder can manifest itself in many different ways, and just as lupus rarely affects two people in exactly the same way, this is also true when it comes to buying travel insurance for lupus.

There are no set prices when it comes to finding travel insurance that covers lupus and it really depends on your own individual circumstances to what premiums insurers will charge. One thing is for certain though; having a policy in place that will cover you should you fall ill due to lupus could save you hundreds of pounds!

Does having lupus affect travel insurance?

Having lupus will affect your travel insurance policy once you declare it as a condition.

It is important that you do this to ensure you get the right travel insurance policy that covers you for all the relevant things. As mentioned above, the extent to which you suffer with the condition will determine the premium that insurers will charge – however, you should always factor the level of cover provided over the cheapest possible deal.

In order for insurers to assess the level of cover you require, you will need to complete a process called Medical Screening.

This is simply a set of multiple choice questions specific to your medical conditions. You can use our in-built medical screening tool to declare discoid or systemic lupus and any associated conditions (if you have any) such as Sjögren's Syndrome, Anti-phospholipid Syndrome (sticky blood), Kidney Damage and Hypertension.

Insurers will then make the decision to offer a quote based on your current health at the time of application and how lupus personally affects you, as well as taking into consideration your travel plans, such as where you’re travelling to and for how long.

Is lupus travel insurance expensive?

Not necessarily! In our experience, if lupus is stable and well managed with no other medical conditions, getting travel insurance can be easy to obtain and may not cost any more than you would pay for a standard policy with a high-street insurer.

Lupus travel insurance premiums do tend to increase however if you have other medical complications, and travelling to destinations that operate a high level of privatised healthcare such as the USA, Canada, Spain, Canaries Islands and Malta for example, can also affect the cost.

If you’re having difficulty obtaining cover, please chat with us where a member of the Medical Travel Compared team will investigate your case.

What does lupus travel insurance cover?

The level of cover you can expect varies from insurer to insurer.

But when you declare lupus at the start of the Medical Screening process, we will be able to process a list of quotes for lupus travel insurance policies providing the level of cover suitable to meet your personal circumstances.

A typical travel insurance policy might usually include:

  • Lost, stolen or damaged personal belongings (such as medication)
  • Emergency Medical Expenses and Repatriation
  • Cancellation
  • Curtailment
  • Legal Expenses
  • Personal Accident
  • Travel Delay
  • Personal Liability

Some of these cover benefits are more relevant to lupus travel insurance policies than others, however it’s important to know exactly what sort of things are included in your policy for peace of mind.

Then you can relax and enjoy your trip without worry.

Travel insurance with lupus – choosing the right policy

Once you have submitted your details, we will list policies that meet your criteria in price order; however, we are the first to say price is not everything! Comparing cover limits and excess amounts should be of high priority and is the best way to ensure you get value for money.

Alongside each quote, we clearly display cover levels so you can easily view your lupus travel insurance options and select a policy that best meets your individual needs.

Travelling with lupus

Although additional considerations may need to be made, travelling with lupus should never put you off travelling abroad.

First and foremost, it’s highly recommended that you avoid travelling altogether if you are in the middle of a flare-up, or feeling unwell in the lead up to your holiday.

As lupus is a chronic condition, preparation is key – and you should therefore carefully plan your trip to suit you best, and ensure you remain comfortable at every possible stage of your holiday.

Before you plan however, you need to consider what vaccinations and immunisations you might need. This all depends on your destination.

It is unlikely that you will need any jabs if you’re travelling to countries in Europe, North America or Oceania. However if you do require a vaccination – you should not receive vaccines that contain live organisms if you suffer from lupus.

Does flying affect lupus?

Some people who suffer with lupus do experience a worsening of joint pain whilst flying. This is often attributed to high air pressure in the aircraft cabin.

This is somewhat unavoidable if you do fly, however most airlines enable you to do a pre-flight check in, where you can manually select your own seat on the plane. It may be best to do this as far in advance as possible to ensure you get a more comfortable seat i.e. extra leg room, or aisle seat.

Make sure you have a doctor’s note that enables you to take your medication aboard an aircraft should you need it, and ensure you keep this on your person or at least with a responsible guardian every day.

If you require advice about travelling with lupus, please visit LUPUS UK for guidance.

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 FCO 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 FCO are still advising against all but essential travel to your destination at the time of your trip, your cover will not be valid.

For more information, we recommend reading our full guide here.

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.
Nearly all insurance policies will come with cancellation cover included. Cancellation cover will start as soon as you buy your single trip policy, or your policy start date for an annual trip (so you may want to start this cover as soon as possible). Cancellation cover will help you with the cost of your trip, including flights, accommodation and, in some cases pre-paid excursions. The cover limits will be the amount per person.

* Price is based on 1 traveller aged 61, who has declared Lupus 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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