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Travel Insurance for diabetics

Living with diabetes doesn’t mean you can’t still enjoy your much-loved holidays. Specialist diabetes Travel Insurance will provide you with up to £15 million medical emergency expenses cover while you’re abroad. including repatriation back to the UK.

An AllClear policy will cover any medical treatment you need, whether relating to your diabetes or any other unforeseen medical emergency.

You’ll also be covered for the cancellation of your holiday and curtailment if you have to cut your holiday short due to unforeseen circumstances.

Our 5-star independent rated policies also cover your personal belongings while you are away.

Do you have to declare diabetes on Travel Insurance?

In short – yes! You must declare diabetes as a pre-existing medical condition when buying Travel Insurance. You will be asked which type of diabetes you have and if you have any other conditions as part of the medical screening process. You must declare all conditions for your policy to remain valid.

Do you need to declare a diagnosis of prediabetes?

Suppose you’ve been diagnosed with prediabetes by your GP or a medical practitioner. In that case, you’ll still need to get that condition covered as it may lead to you requiring medical attention or treatment abroad. You may have been placed on blood pressure tablets due to the diagnosis, or you might have had a dosage changed due to prediabetes. This will affect the type of treatment and the cost of the treatment you may need while away.

Do you need specialist Medical Travel Insurance for diabetes?

Travel Insurance for diabetics is essential. However, If you’ve been diagnosed with diabetes or prediabetes and are planning on going on holiday, you may find that your usual Travel Insurance provider may not cover the condition. You’ll require a specialist medical Travel Insurance policy. This will ensure you have the correct cover should you need any treatment while away. As a specialist medical Travel Insurance provider, AllClear can help!

Travel Insurance with diabetes should still be considered when travelling within the UK. An AllClear policy can cover you for the cancellation of your UK holiday due to your diabetes or other unforeseen circumstances. When travelling abroad with diabetes or prediabetes, it’s vital to have medical Travel Insurance in place.

Benefits of AllClear Cover

Gold Gold Plus Platinum
Emergency medical expenses and Repatriation costs Up to £10m Up to £15m Up to £15m
Cancellation* and Curtailment Up to £2k Up to £15k Up to £25k
Extended cover 30 days FREE 30 days FREE 30 days FREE
Friend or relative to travel from your home area to stay with you if you fall ill with Covid-19 Up to £2k Up to £2k Up to £2k
Travel Delay Up to £100 Up to £350 Up to £500
Recuperation stay
Cost of return flight due to COVID-19
Personal Belongings Up to £2k Up to £2.5k Up to £3k
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

Planning and protecting your holiday abroad

Things to know before you go:
  • Remember to check the latest travel advice from the FCDO for your destination. You will have no cover if you choose to travel against FCDO advice, unless that advice relates specifically to Covid-19 (check our Covid FAQs  for more details)
  • Check any entry requirements and quarantine requirements for your chosen destination
  • Choose a Travel Insurance policy that includes Covid-19 Cover
  • For information on how Covid might affect your trip, visit our dedicated FAQs page

AllClear Superior2 rated COVID-19 Travel Insurance

Our AllClear policies now offer Superior rated Coronavirus travel insurance. This type of insurance will cover you for medical emergency expenses and cancellation with a Coronavirus positive diagnosis. Our COVID-19 FAQs page will give you the latest information on travelling abroad and Coronavirus cover from AllClear.

How much will your Travel Insurance for Diabetes cost?

The cost of Diabetic Travel Insurance will be based on:

  • Your type of diabetes
  • Other pre-existing medical conditions
  • Your age
  • Trip duration
  • Chosen destination

If you enhance your policy with optional extras such as winter sports cover or cruise cover, this will also affect the final premium. Talk to our team today to determine which policy is right for you.

Travel Insurance for diabetes type 1

For those who have type 1 diabetes, the pancreas (a small gland behind the stomach) doesn’t produce any insulin – the hormone that regulates blood glucose levels. This is why it’s also sometimes called insulin-dependent diabetes. Around 10% of people living with diabetes are type 1.

Type 1 diabetes Travel Insurance covers you if you live with type 1 diabetes and wish to travel with peace of mind. This type of insurance covers you for medical emergencies helping you to avoid unexpected medical bills. You’ll also have the support you need if you have any medical problems while on holiday.

AllClear are specialists in providing medical Travel Insurance. We offer Travel Insurance for type 1 diabetics to those who may not have found holiday insurance elsewhere in the past. Our Travel Insurance for diabetics type 1 will enable you to travel with confidence on every trip you take.

Hear our customer experience of Type 1 diabetes Travel Insurance by AllClearReviews

Quick and easy to use for the cover I need...

“Due to many years of type 1 diabetes and the worry of covid 19, I decided my holiday insurance was priority to relax and enjoy my holiday.” – Julie 

Read AllClear Trustpilot Reviews

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.

Type 2 diabetes Travel Insurance

It’s estimated that more than 2.7 million people are diagnosed with type 2 diabetes in the UK. AllClear can offer specialist type 2 diabetes Travel Insurance that you can rely on. Type 2 Diabetes Travel Insurance covers you if you live with type 2 diabetes and wish to travel with peace of mind.

Helpful tips for travelling with diabetes

If you’re insulin-dependent: Consider wearing a medical identification bracelet that states that you have diabetes.

What do you need to take: Keep your medical emergency number with you, together with a letter from your GP and a recent prescription. The ID and letter should say you have diabetes and the medication you use. The letter should say the equipment you carry (insulin, insulin delivery devices, needles, monitors, tablets, test strips etc.). Keep your insulin bottles and pens in their original packaging to prove that the prescription is your own.

Medication and Time Zones: If you’re insulin-dependent, travelling outside of your time zone and jet lag might cause you to eat at strange hours. This can affect your insulin levels. When travelling east, the day will be shortened, and the day will be extended when travelling west. Adjust the clock on your insulin pump to reflect the change in time zones.

Loss of medication: While you’re covered for losing medication, it’s still a good idea to take more than you need – just in case. Also, keep medication in your hand luggage as hold baggage can be lost or exposed to extreme cold or heat that can spoil medication.

Airport: Let airport security know that you have diabetes. Consider contacting your insulin manufacturer to find out if your insulin is supplied in the country you’re visiting. Check if it is sold under the same name. Find out where you could get an insulin supply in case of emergency. If you use a pump or Continuous Glucose Monitor (CGM), get in touch with your airline before your departure. They will then be able to take your needs into account (some airlineneedequire this in any case). You shouldn’t put your pump or CGM through an x-ray machine or body scanner. The Civil Aviation Authority provides a Medical Device Awareness card you can download and print out to help you and airport security officers.

Flying: The decrease in cabin pressure on ascent may slightly increase insulin delivery. Descent may also slightly decrease insulin delivery. Adjust the clock on your insulin pump to reflect the change in time zones.

Sunbathing: Keep in mind that long periods of sunbathing can affect the control of your diabetes. It will make your blood glucose levels higher than normal. A hot or cold climate may affect how your insulin and blood glucose monitor works.

Frequently asked questions about diabetic Travel Insurance

Can diabetics get Travel Insurance?

Many Travel Insurance policies don’t cover diabetes. AllClear, offer Travel Insurance for all medical conditions, including diabetes.

Does diabetes affect Travel Insurance?

Having diabetes may affect the cost of your Travel Insurance. This is because diabetes increases your risk of needing emergency medical treatment while you’re away. Diabetes may also affect which providers will offer you cover. As a specialist provider, AllClear offers Holiday insurance for diabetics at an affordable price.

Should I buy Travel Insurance for diabetes?

Diabetic holiday insurance is the only way to protect yourself properly and your holiday.

The GHIC scheme is available when travelling to some countries in Europe to help with specific medical emergencies. However, it should not be relied upon as it doesn’t cover all eventualities. Both the UK government and Diabetes UK recommend you buy Travel Insurance.

Is diabetes a pre-existing medical condition?

If you have been diagnosed with diabetes, it is a pre-existing medical condition.

Are you on a waiting list for treatment relating to your diabetes?

As you may know, complications of diabetes can often require surgery. You can add on the Waiting List cover if you are on a waiting list for treatment. Some Travel Insurance providers exclude or remove cover concerning future treatment. However, we provide you with the ability to remain fully covered on AllClear Gold and Gold Plus policies.

Will your policy cover for replacing lost insulin while you're abroad?

Yes, you will have cover for lost or damaged medication while away. Make sure you keep your receipts, and you will be able to make a claim for the lost expenses when you return home.

Are you covered for repatriation if you need to come home early?

If a diabetes complication – or any medical emergency – means you need to curtail your trip, we will cover you. Moreover, any other travelling members listed on your policy are also covered.

Can you fly with diabetes?

The Civil Aviation Authority says that “Air travel should not pose significant problems for patients with well-controlled diabetes.” However, “Pre-planning is important”.

Annual multi-trip or single trip?

An annual multi-trip policy allows you to travel multiple times within a year. The greatest duration of these trips varies between policies. However, it is usually between 31 to 45 days.

If you need a longer trip duration or only plan to travel once in the year, then a single trip Travel Insurance policy may be right for you.

Does Travel Insurance cover lost insulin?

Yes, you will have cover for lost or damaged medication while away. If you need to pay for the medication while in your destination, be sure to keep your receipts, and you will be able to make a claim for the lost expenses when you return home.

Author notes

Written by Lydia Crispin, MA Content Creator at AllClear
Edited by Letitia Smith, M.Sc. Content Manager at AllClear

2 Covid cover rated Superior by a leading Independent UK Consumer Champion.

[1] Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 25,000 reviews as of May 2021.