Travel Insurance for Diabetics

Specialist Diabetes Travel Insurance will help you get access to crucial medication, such as insulin, in the event of an insured emergency when you are abroad, and cover the costs. It’ll also cover you for any unexpected hospital trips, or even for medical repatriation back to the UK.

Living with diabetes doesn’t mean you can’t still enjoy your much-loved holidays. It is important though to have specialist Travel Insurance to cover unexpected medical costs relating to your diabetes.

• An estimated five million people live with diabetes in the UK, according to Diabetes UK. 
• Research shows that two-thirds of diabetics do not have good diabetic control while travelling – meaning an increased risk of unexpected hospital stays.
• The cost of a single vial of insulin is around $100 (£80) in the US, and between $15-20 (£12-£15) across Central and Southern America, as well as in Asia.

This is where our Travel Insurance for Diabetes is vital. We make sure you’re covered for unexpected medical costs throughout your trip, and we’ll also protect you if you have to cancel or come home early due to sickness.

We tailor all our travel policies to your specific requirements, which is why we have three different levels of policy available: Gold, Gold Plus, and Platinum.

We cover both Type 1 and Type 2 Diabetes. 

• Type 1 Diabetes: For those who have type 1 diabetes, the pancreas (a small gland behind the stomach) doesn’t produce any insulin. This is the hormone that regulates blood glucose levels. Sometimes called insulin-dependent diabetes, type 1 diabetes is the less common of the two types. Around 8% of diabetics have type 1.  Our type 1 Diabetes Travel Insurance covers you for medical emergencies, helping you to avoid unexpected medical bills.
• Type 2 Diabetes: It’s estimated that more than 2.7 million people are diagnosed with type 2 diabetes in the UK. In some cases, this can be managed with diet and exercise, but type 2 diabetes can vary in severity. This is why we tailor your Travel Insurance to meet your needs and ensure the premium accurately reflects your condition.
• Pre-Diabetes: Pre-diabetes is when your blood sugar levels are higher than normal but not high enough to be classed as type 2 diabetes. While you may not necessarily show symptoms, you’re at a higher risk of developing type 2 diabetes. Our Travel Insurance offers peace of mind by covering medical emergencies related to blood sugar fluctuations and ensuring you’re protected if your trip is disrupted due to a pre-diabetic episode.

Before you get a quote, you will need to complete the medical screening process. 

To do this, you need to answer a few simple questions about your conditions – including diabetes – to ensure that we can give you the right level of cover. 

Examples of questions asked during medical screening include:

• Do you take insulin for your diabetes?
• How many unplanned hospital admissions have you had for diabetes in the last two years?
• Do you have high blood pressure or problems with cholesterol? 
• Do you have any other health conditions that are caused by or related to your diabetes, such as nerve damage, or problems with your feet, vision or kidneys?

Remember that you need to declare all your conditions for your insurance policy to be valid. If you don’t, you may find that your policy is invalid and you have to cover any unexpected medical costs from your own pocket.

 Diabetes can often lead to other conditions, or it might be that there is a secondary condition that is not related. At AllClear, we believe that everyone should have the opportunity to travel.

We’re a Specialist Medical Travel Insurance provider, and we’ve helped cover more than 3.5 million+ travellers for their trips around the world. In fact, we can cover more than 1,300 medical conditions. If you have diabetes and are planning to take a trip, we’re here to help.

If you’re getting Travel Insurance for Diabetes, you must declare all your pre-existing medical conditions during the medical screening process as part of your quote, whether that’s for you or anyone else on your policy.

For policy reasons, we define a pre-existing condition as anything where you have: 

• Been to a hospital, clinic, or GP surgery to have medical treatment diagnosed or advised within the last two years. This also applies to remote consultations, either on the phone or through an app.
• Been placed on a waiting list which might mean you’ll have to miss your trip.
• Been told you have a terminal illness.

Examples of other pre-existing medical conditions we cover include:

• Heart Conditions – We cover all cardiovascular issues affecting heart function, including high blood pressure and atrial fibrillation. We’ll also provide cover if you have a pacemaker.
• Respiratory problems – This includes conditions that are linked with, or cause breathing difficulties, like asthma and COPD. 
• Cancer -. We cover all types of cancer, gallstones 
• Musculoskeletal conditions – Conditions that affect your bones, muscles, and joints, including back problems, osteoarthritis and osteoporosis.
• Neurological conditions – Disorders affecting the brain and nervous system, including strokes, epilepsy and multiple sclerosis.

Diabetes isn’t a barrier to exploring the world, and neither is Travel Insurance. But each holiday is different, and so is the type of Travel Insurance you need. So, the real question is – what are you doing on your trip?

• Heading off for a cruise? Cruises need an extra-special kind of cover, to protect you against things like cabin confinement, missed departures and even unused excursions. Luckily, our Cruise Insurance has all that. 
• Big family holiday? Our Family Travel Insurance can cover the entire family (up to 10 people), in a single policy. Less hassle, less paperwork, more time having fun. 
• Golfing trip? Our Golf Travel Insurance is what you need, with extra coverage against lost clubs and unused Green Fees. 
• Planning a staycation? Our UK Travel Insurance covers you against cancelled accommodation or any other holiday mishaps. 
• Multiple holidays this year? Our Annual Multi-Trip Travel Insurance has you covered, no matter how many trips you do this year.
• One big trip? Our Single Trip Travel Insurance covers you for up to 365 days of consecutive travel.

Our 3-step quote process is quick and simple and designed to provide you with comprehensive worldwide cover.

Here’s how it works.

1 . Get a quote online or by phone

Once you’re ready to start the quote process, the first step is to provide your personal details and information about your holiday and travel plans. This can be completed over the phone with one of our team members or online.

Get your quote

2. Complete our simple medical screening process

You’ll need to declare that you have diabetes, as well as any other medical conditions you have. We’ll also ask you for details on any medications you and your travel companions are taking. Be sure to answer all our medical questions and tell us everything we need to know about your current health. 

This way, we can provide the cover that best suits your needs.

3. Get your quote

You’ll then get your quote(s) and can either proceed to buy or save your quote at this stage.

Thinking of booking with us? You’re in good company. Here’s what our other customers had to say about us.