Travel Insurance for asthma is essential for your trip. Temperature, pollution or allergens can all trigger your condition while you’re away. Make sure you’re covered for emergency medical expenses, stolen medication and more.
Specialist Travel Insurance for asthma
If you’re looking for Travel Insurance for asthma, you may have been turned down in the past. As a specialist Medical Travel Insurance provider, we cover over 1,300 conditions. This includes asthma, as long as you declare it during the medical screening process. What’s more, 98% of our customers rate us as ‘Excellent’ or ‘Great’².
Why do people with asthma need travel insurance?
It’s important to get Travel Insurance for asthma for your holiday. Going away with asthma can cause your condition to flare up. Meaning you could face high emergency medical costs:
- Different temperatures can trigger asthma symptoms. Asthma & Lung UK says: “1 in 3 people told us that hot weather made their symptoms worse”. While the organisation found that 7 in 10 people reported cold air causing issues
- There are many other things that can cause asthma complications on holiday. Asthma & Lung UK lists pollution, altitude and pollen as known triggers, as well as “things like cigarette smoke, pets or dust mites” in your accommodation
- While the NHS states: “exposure to allergens and viral infections in confined spaces, such as planes and ships, may make your condition worse”
With AllClear Asthma Travel Insurance, you can travel with peace of mind, knowing you’re covered if something goes wrong. Asthma Travel Insurance will mean you won’t face high bills from your own pocket, such as costs for emergency treatment or replacing lost or stolen medication and aids. Or if you have to cancel or cut your holiday short due to your asthma³.
Get your Asthma Travel Insurance quote online now. Or phone our friendly team for free today.
Will asthma be covered by standard Travel Insurance?
While 7.2 million people live with asthma, it will not be covered as standard by most providers. And some may not offer Travel Insurance for people with asthma at all.
The NHS advises that you must: “Take out Travel Insurance and check that it will cover your asthma.” So how do you make sure you’re covered while you’re away? As a Medical Travel Insurance provider, we offer specialist policies to those with asthma. All you need to do is declare your condition and complete some simple questions during our medical screening process. We offer up to unlimited cover for emergency medical expenses and repatriation.
Always read the Policy Wording before buying Asthma Travel Insurance.
What cover does AllClear’s Asthma Travel Insurance provide?
It’s important to know you have the right cover when travelling with asthma. Our Asthma Travel Insurance will mean you can go away with peace of mind. You’ll be protected against emergency medical expenses, the high cost of repatriation and more.
What’s covered?
- Medical cover: AllClear policies include emergency medical cover, including costs for existing conditions. This includes prescription medication, medical emergencies and medical equipment
- Cancellation and cutting your trip short⁴: Cover for your flight and accommodation costs if you unexpectedly have to cancel. We’ll also cover you if you need to return home early following an emergency
- Your baggage: Protection against the cost of stolen, damaged or lost luggage and personal possessions. This includes your medication and aids for asthma. You can also choose to add extra cover for gadgets to your policy
- Travel delays and missed departures: We’ll compensate you for the time if your flight is delayed. If you miss your flight due to reasons outside of your control. You’ll also be covered for accommodation and transport costs
- Personal liability: Cover for your legal expenses and any liability due if you accidentally injure someone. You also have cover if you damage their property while you’re away on holiday
- All ages: We believe Travel Insurance should be available to as many people as possible. That’s why our Travel Insurance has no upper age limit⁵
What’s not covered?
- Deciding not to travel: We do not provide any cover if you can travel but choose not to
- Other regions: We won’t cover you if you travel outside your chosen region. Although you can contact us to upgrade your policy at any time
- Claims below the value of excess: You’re not covered for claims that fall below the value of the excess stated in your policy
- Medical conditions you fail to declare: You need to provide us with an accurate medical history when you buy Travel Insurance, so we can give you the right cover
- Activities: Always check that any planned activities are included by reading the Policy Wording. We offer a range of optional extra cover if needed. We do not cover winter sports for anyone over 65
- Travelling against medical advice: If you’re travelling against medical advice or going away for medical treatment, you won’t be covered. If you become ill because you haven’t taken your medication as you should, you may also invalidate your policy
For full details of what is and is not covered, please check your policy wording.
You can pick from three levels of policy, tailoring your cover to your budget and needs. Our Gold, Gold Plus, and Platinum policy levels include:
SWIPE TO COMPARE POLICIES
Gold |
Gold Plus |
Platinum |
|
| Emergency medical expenses and Repatriation costs | Up to £10m | Up to £15m | Unlimited |
| Cancellation* and cutting your trip short | Up to £2k | Up to £15k | Up to £25k |
| Travel Delay | Up to £300 | Up to £1,500 | Up to £1,500 |
| 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.
What types of asthma are covered by AllClear’s Travel Insurance?
As a specialist Medical Travel Insurance provider, we cover all types of asthma. In fact, we cover these and more than 1,300 other conditions. This includes those with a terminal prognosis. 99%+ of our customers are offered cover⁶.
- Mild asthma: The European Respiratory Society predicts that the “majority of patients (approximately 50–75%)” have mild asthma. It’s important to still declare your mild asthma when getting Travel Insurance. Otherwise, you won’t be covered for any medical costs relating to your condition. We’ll ask you some details about the severity of your asthma when quoting your policy. We know you’re less likely to make a claim if your condition is mild
- Severe asthma: If you have severe asthma, it’s important to see your doctor or nurse before travelling. They can help you prepare for your trip. We can cover you if you have severe asthma. However, we cannot provide you with Travel Insurance if your doctor advises you not to travel
- Allergic asthma: If your asthma is triggered by allergens, such as pollen, animal hair, dust, or foods, you are likely to experience issues while on holiday in a new environment. Speak to your doctor or nurse before you go, and make sure you have purchased Travel Insurance for asthma
Other types of asthma: There are many different types of the condition, and things to consider when going away. For instance, if you have eosinophilic asthma and are on steroids. They may impact when and how you get your travel vaccinations. Or exercise-induced asthma may affect which activities you plan to do
We tailor Asthma Travel Insurance to you and your condition. We will ask you some simple questions during our medical screening process. Then you will get your personalised quote. Do it online or phone our team.
See our Policy Wording for full terms and conditions and exclusions.
How to get Travel Insurance when you have asthma
Getting Asthma Travel Insurance can be quick and easy. Declare your condition and then complete our simple medical screening process. Questions may include:
- What medications do you take for your asthma?
- Have you been hospitalised due to your asthma recently?
- How short of breath do you get when you are walking on the flat?
- Have you ever been prescribed oxygen other than when you are in hospital?
- Have you got any other pre-existing medical conditions?
Do you need to declare asthma on Travel Insurance?
Yes, you must declare your asthma, even if it’s mild. You should also declare any other pre-existing medical conditions. If you do not declare all your conditions when getting Asthma Travel Insurance, you will not be covered for any claims related to them while away.
Our team is always happy to help if you have any questions. Or get your quote for Asthma Holiday Insurance online.
AllClear’s Travel Insurance for asthma with other pre-existing medical conditions
62% of our customers have more than one pre-existing medical condition⁷. If you have diabetes, COPD or another condition alongside your asthma. Get in touch for a tailored quote.
We’re a specialist Medical Travel Insurance provider and cover people with multiple medical conditions every day. Just make sure you declare them all during medical screening. Then you can go away with peace of mind that you’re covered.
Read our Travel Insurance with asthma Policy Wording.
Find the best Travel Insurance for your trip
Whether you’re setting sail, off on a group trip or going golfing. Find the right Asthma Travel Insurance for you:
- Single trip Asthma Travel Insurance: Perfect if this is your one trip of the year. We’ll tailor your policy to you
- Annual Travel Insurance with asthma: You could save time and money if you’re going away more than once this year. A multi-trip policy makes things simple
- Group cover: If you’re going away with others, get everyone covered on the same policy. Then you’re all protected if you face costs from your asthma. For instance, if you have to cancel⁸ your trip or cut it short
- Cruise cover: Get cover for the unique issues you could face on a cruise, including cabin confinement and missed excursions
- Golf cover: Get protection for your clubs and green fees. You’ll even get hole-in-one cover if you need it
- Gadget cover: If you’re taking your laptop, phone, tablet, GoPro or camera away. Get extra protection for your gadgets
Always read our Travel Insurance for asthma Policy Wording. It contains important information about what is and isn’t included.
How our Travel Insurance for asthma works: A simple 3 step quote process
Asthma Travel Insurance is quick and easy with AllClear:
- Let us know a little about you and your trip
Do it online or call us on 0800 848 8608. We’ll ask you about your age, any medical conditions and where you’re off to.
- Complete medical screening
Our simple medical screening process helps us tailor your quote to you. We will ask you a few questions about your asthma, along with any other medical conditions.
- Get your quote
Buy your Asthma Holiday Insurance policy straight away. Or choose to save it for later.
“Going away with asthma can lead to flare-ups of your condition. You’ll be faced with different temperatures, pollution levels and allergens. That’s why it’s essential you get Travel Insurance with asthma, even if your condition is mild. Otherwise, you could face high costs from your own pocket if you need medical assistance abroad. As a specialist Medical Travel Insurance provider, we offer 99%+ of our customers cover⁹. Even when they have multiple medical conditions.”
Letitia Smith – Travel Insurance expert.
What our Customers Say
We’re the UK’s most trusted Travel Insurance Provider¹⁰. But don’t just take our word for it! Read what our customers have to say on Trustpilot now:
Buying this policy was so quick
“Buying this policy was so quick. I have diabetes and asthma, which have to be declared, and the quote was very reasonable, even with a free cancellation!! Definitely would recommend.“
Frequently asked questions on Asthma Travel Insurance
Do you need to declare your asthma, even if it’s mild?
Yes, you must always declare your asthma for Travel Insurance. If you don’t, you won’t be covered for any related claims you need to make.
Our simple medical screening process will mean we can determine your premium, which is based on how likely you are to need to make a claim. If you have well-controlled, mild asthma and haven’t been hospitalised with it recently, your premium will likely be lower, depending on whether you have any other pre-existing medical conditions.
How is asthma categorised for Travel Insurance?
Asthma is a pre-existing medical condition and must be declared. Our Medical Warranty defines a pre-existing condition as follows.
You must disclose to us if you or anyone else insured on the policy has:
- In the last two years, taken any prescribed medication or received medical treatment or advice at a hospital, clinic, GP surgery or via a remote consultation;
- Received or been offered palliative care;
- Been placed on a waiting list that could cause you to cancel or curtail your trip;
- Been advised of a terminal illness.
If you do not declare any pre-existing medical conditions. Your Asthma Holiday Insurance will not be valid.
Does the GHIC cover asthma-related treatments?
If you’re in a country that accepts the Global Health Insurance Card (GHIC), you will get some emergency state medical care, including that related to your asthma. This may be free or at the same price offered to locals.
Asthma & Lung UK say: “You should always get Travel Insurance if you’re travelling abroad, even if you have a Global Health Insurance Card (GHIC)”. This is because the GHIC does not cover all medical care or repatriation. It also doesn’t cover the cost of your medication or aids being lost or stolen. Or if you have to cancel¹¹ due to your asthma.
You should always buy Travel Insurance for asthma, as well as taking your GHIC.
Can you fly with asthma?
Always speak to your doctor or nurse before travelling with asthma. They can advise you on whether you can travel, as well as any precautions you should take, such as in-flight oxygen.
Asthma & Lung UK say: “Most people with a lung condition can travel safely on planes, but you should talk to your doctor before you make any plans.”
You should also discuss any requirements with your airline beforehand, as well as having Asthma Holiday Insurance.
How much does Asthma Travel Insurance cost?
The cost of Travel Insurance for asthma will depend on various factors. These include your age, where you’re going, and how long for. It will also be impacted by the severity of your condition. If you wish to add anyone else to the policy or purchase add-on cover for gadgets or activities, the price will be higher.
Get a quote now online or call our friendly team for free.
What happens if you need to change something about your asthma after buying your policy?
Please let us know as soon as you can. You can contact our team using the details in your policy documents. We can amend your policy and make sure it is still valid. Please note, sometimes an additional premium will apply.
Always read our Policy Wording for Asthma Travel Insurance.
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