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Rheumatoid arthritis travel insurnace

Rheumatoid arthritis travel insurance covers you if you’re living with rheumatoid arthritis and wish to travel with peace of mind. This type of insurance covers you for medical emergencies, which is vital to prevent unexpected medical bills and give you the support you need if you have any medical problems while you are away.

Of the 10 million people in the UK with arthritis, 700,000 live with rheumatoid arthritis. To those asking ‘can I get travel insurance with rheumatoid arthritis?’, we’re happy to say… AllClear could help!

Here at AllClear, we offer specialist rheumatoid arthritis travel insurance. So, you can travel to your favourite places knowing you’re covered for your condition.

We’ve been helping people with rheumatoid arthritis travel abroad since 2000. So, we know planning your holiday can be stressful. That’s why we’ve made rheumatoid arthritis travel insurance easy to compare and buy.

At AllClear we provide specialist travel insurance for people with pre-existing medical conditions. So, even if you live with a medical condition, such as rheumatoid arthritis, we can help you travel abroad!

What can you expect from AllClear travel insurance for rheumatoid arthritis? *

  • You will receive cover and assistance for any unplanned medical attention you may need while abroad.
  • Should you need assistance, you’ll have access to a 24 hour emergency helpline while anywhere abroad!
  • Should you need replacement medication while abroad, our travel insurance for rheumatoid arthritis will cover it.

*Different provider’s policies vary so check your policy wording.

Why AllClear?

  • We’ve been helping people with rheumatoid arthritis to find travel insurance since 2000. This experience means we can offer a specialist, expert service. Our friendly contact centre staff are on standby for any assistance you may need.
  • Do you prefer to speak with a real person when getting a quote? Or do you prefer to search for travel insurance online? Either way, with both a simple online comparison tool for rheumatoid arthritis travel insurance, as well as a dedicated, expert contact centre, we can help!
  • We welcome all ages! Our AllClear travel insurance policies have no upper age limits.
  • Find the best price and the best policy by using our online comparison tool. Review multiple rheumatoid arthritis travel insurance policies in one place!

What we cover!

  • Medical emergency expenses.
  • Cancellation/cutting short your trip.
  • Personal property.
  • Missed departure/travel delay.
  • Cruises.
  • Winter sports.
  • Golf cover.


Benefits of AllClear Cover

Gold Gold Plus Platinum
Emergency medical expenses and Repatriation costs Up to £10m Up to £15m Unlimited
Cancellation* and Curtailment Up to £2k Up to £15k Up to £25k
Travel Delay Up to £300 Up to £1,500 Up to £1,500
Recuperation stay
Personal Belongings Up to £2k Up to £2.5k Up to £5k
Personal liability Up to £2m Up to £2m Up to £2m
Legal protection cover Up to £50k Up to £50k Up to £100k
* If you buy a policy which includes cancellation cover
All these figures are per person and per trip

Simple 3 step quote process

1. Call us or click a quote button on our site

Once you are ready to start the quote process, the first step is to provide your personal details and information about your holiday plans.

2. Complete our simple medical screening process

You then declare the medical conditions for you (and any other travellers) and answer the specifically designed medical questions.

3. Get your quotes

You will then get your quotes and can either proceed to buy, or save your quote, at this stage.

Does rheumatoid arthritis affect travel insurance?

A number of factors are used to calculate the premiums we offer. These include destination, trip duration, and age, as well as pre-existing medical conditions such as rheumatoid arthritis.

Annual multi-trip or single trip?

With an annual multi-trip policy, you are able to travel multiple times within a year. The maximum duration of these trips is usually between 31 to 45 days. However, this varies between policies.

Alternatively, a single trip travel insurance policy may be right for you if you need a longer trip duration or, if you only plan on travelling once in the year.

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Rheumatoid arthritis travel tips

No one will know how to manage your rheumatoid arthritis better than you. However, travelling can be tiring and stressful even for the best of us. Also, a change in lifestyle could possibly affect your rheumatoid arthritis in ways you hadn’t considered. Taking the right precautions and planning ahead means you can enjoy your holiday while managing your condition effectively. To help, we’ve put together this handy guide for travelling with rheumatoid arthritis. We hope you find it useful!

Talk to your healthcare provider before travelling

  • You may not be able to take needles inside the cabin of an aeroplane. You will need to consider this if you use injectables as a way to administer medication for your rheumatoid arthritis. Speak to your GP to work out a plan of action for treatment as soon as possible. Your GP can also discuss possible medications you’ll need to take abroad. They can also prescribe extra medication in case of lost luggage or other delays.
  • You may also need vaccinations for your destination. You may want to check these will not interfere with your medication. Your GP will also be able to advise on this.

Research your destination

  • If you feel you can’t manage a long journey or connecting flights, stick to shorter distances. You could also consider travelling by train as an alternative. If you’re using a travel agent they may be able to discuss practical issues, such as the distance between the hotel’s entrance and the room. Your travel agent could also suggest hotels that are on level ground.

Make travelling as easy as possible for yourself

  • Don’t overload yourself. Try not to pack too much in your suitcase, and consider using a suitcase with four wheels so you can push it in front of you. This will make transporting your luggage as easy as possible. Also, don’t forget your cane or your walker if you use one!
  • Call ahead to airports and train stations. They can arrange assistance for you. This could be in the form of wheelchair assistance, electric cart transportation, or a porter to help carry your luggage. Be sure to check what your airport or train terminal offers. Try to arrange assistance as soon as your transport has been arranged. Mobility services can get filled quickly, especially in summer!

Stay active and pace yourself

  • On a long flight, you may want to get up and walk up and down the aisle at least once an hour. If travelling by car, plan rest stops. A coffee and a short walk could make your journey much more comfortable. Staying active could help ease your joints, and avoid stiffness. This means you’ll be in good shape for when you arrive at your destination! Also, ensure you wear comfortable shoes for the journey.
  • On your holiday, try not to upset your regular schedule. For example, if you’re usually tired for a few hours after you wake up, then allow for that time on holiday. It could also be a good idea to choose a room away from the action so you can get your rest.

Location and health services within the EU

  • If you decide to travel within the EU, carry a European Health Insurance Card. This will allow you to get state healthcare at a reduced cost, or even for free. This could be important if you become ill or have an accident. The card is free through the NHS’ website. However, remember it does not replace travel insurance, and won’t cover for an emergency return to the UK.

Get specialist rheumatoid arthritis travel insurance

  • Travel insurance is a must have if you’re travelling abroad with rheumatoid arthritis. Even with an EHIC, if you don’t have travel insurance you could still be liable for some medical charges should you require medical attention abroad. Also, with the correct travel insurance, you will be covered for other things such as repatriation, baggage loss and cancellation.

Article References:

NHS: Osteoarthritis

Arthritis Foundation: 8 Tips for Pain-free Travel

Osteoarthritis Foundation International: Osteoarthritis


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Written by: Russell Wallace | Travel Insurance Expert
Last Updated: 24 November 2023

† Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 70,000 reviews as of January 2024. AllClear Gold Plus achieved a Which? Best Buy.