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Travel insurance for kidney patients

If you've been diagnosed with kidney disease or have recently had a kidney transplant and are looking for travel insurance, AllClear can help you get a quote quickly and easily.

  • Cover for pre-existing medical conditions
  • 24/7 emergency medical helpline
  • No upper age limit
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Home » Travel Insurance With Medical Conditions » Travel insurance for kidney patients
Letitia Smith
Travel Insurance Expert
Last updated January 29 2026
5 min read

Travel insurance for people with kidney disease

Kidney patients travel insurance covers you if you’ve been diagnosed with kidney disease or have recently had a kidney transplant 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.

If you’ve been diagnosed with kidney disease or have recently had a kidney transplant and are looking for travel insurance, you may have found getting a quote difficult.

If so, AllClear could help. AllClear believes everyone has the right to travel and a pre-existing medical condition shouldn’t stop you from seeing the world. AllClear are specialists in travel insurance with medical conditions and we’re able to cover people who may have been refused a quote elsewhere.

Our online medical travel insurance screening process is quick and easy to use, giving you a range of quotes from providers to choose from.

We cover people with a wide range of medical conditions from angina and arthritis to cancer and diabetes and many more. And kidney patients, of course.

What is Travel Insurance for renal patients, and why do you need it?

Travel Insurance for renal patients covers you if you live with kidney failure or have recently had surgery and wish to travel with peace of mind. 

If you have had renal failure or transplant surgery, it can sometimes be difficult to find specialist Travel Insurance. Since our launch in 2000, AllClear can cover over 1300 different medical conditions. 

If you have undergone a successful renal transplant, you may now have greater flexibility to plan holidays.  You need to decide what kind of cover will best suit your insurance needs. If you are on a waiting list for a transplant, you might want to consider our optional waiting list cover. We can offer both single trip and annual multi-trip Travel Insurance for renal transplant patients. If you plan to take a series of trips after your renal transplant, then a multi-trip policy might be best for you. You need to start all of your trips in the UK and return to the UK each time too.

What does AllClear’s Travel Insurance for kidney patients cover?

Our Travel Insurance for renal patients covers you against unexpected medical costs abroad. We offer up to unlimited cover for medical expenses. We’ll also cover costs if you need to get home in an emergency. Here’s the full list of what is and isn’t covered:

What’s covered?

  • Medical cover. AllClear policies include emergency medical cover, including for existing conditions. This includes prescription medication, medical emergencies and medical equipment.
  • Cancellation and cutting your trip short². Cover for your flight and accommodation costs if you have to cancel before you go. 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. You can also choose to add extra cover for gadgets to your policy.
  • Travel delays and missed departures. If your flight is delayed, we’ll compensate you for the time. If you miss your flight, 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 limit.

What’s not covered?

  • Deciding not to travel. We do not provide any cover if you can travel but choose not to.
  • Other regions. Your Travel Insurance for renal patients won’t cover you if you travel outside your chosen region. You can contact us to upgrade your policy anytime.
  • 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. This is so we can give you the right cover. This is especially vital for senior travellers and those with long-term illnesses.


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. For more information and complete cover details, please check our Policy Wording.

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.

Our Travel Insurance: A simple 3 step quote process

Simply complete our quick 3-step screening process to get your quote

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 plans. This can be completed over the phone with one of our team members or online.

2. Complete our simple medical screening process

Here, you need to declare any medical conditions you have and any medications you and your travel companions are taking.

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

3. Get your quote

You can either proceed to buy or save your quote at this stage.

Our experts say…

“Travel can be more complex for renal patients, especially when dialysis, medication, or treatment schedules are part of the routine. That’s why having specialist Travel Insurance is so important. It offers protection if your condition leads to a medical emergency abroad and can include cover for trip disruption linked to your health. With the right support in place, you can plan your travels with confidence—knowing you’re covered should the unexpected happen.”

Letitia Smith- Head of Communications

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“Jessica was very helpful and guided me through the application with great patience much appreciated”

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Tips for people travelling with kidney disease

Planning your trip

  • It’s important to plan your trip well in advanced to ensure you’re organised and prepared to give you that extra peace of mind when travelling. Depending on your condition, you might want to consider your destination carefully when planning your trip.
  • If you’ve not long had a kidney transplant be sure to check with your doctor when is advised to travel after surgery and how much you should be expect to be able to do. Overexerting yourself will only spoil your holiday so do check in advanced.
  • Your doctor may advise you to travel somewhere which doesn’t have a flight time of more than a couple of hours or you yourself may feel that going somewhere too far away will be too much for you and could lead to you overexerting yourself.
  • Long haul flights can be exhausting for people who are in full health so just consider how far you want to travel. You don’t have to go far to ensure you have a great holiday. (Plus who has time to feel jet lagged?!)

Taking your medication abroad

  • Your treatment will generally depend on the level of your condition however in most cases medication is used to keep kidneys in good function, lower blood cholesterol levels and control blood pressure.
  • Visit your doctor before you travel to ensure they can prescribe you the correct amount of medication for your trip, if might be a good idea to ask for some extra supplies in case of any delays in your travel.
  • If you know you’ll need your medication with you at all times, check with your airline their policies in case it does need to be stored in the hold.

Flying

  • Flying for kidney patients shouldn’t pose too much of an issue, again, it will depend on the stage and severity of your condition. If you’re in pain with your kidney disease, you might want to consider choosing priority boarding when you book your flights so you’re able to board the plane first when it’s most quiet.
  • This will save you from knocks and bumps by other passengers. An aisle seat might also be a good idea when booking your flights so you’re able to get up if necessary without having to feel awkward about disturbing other passengers.

EHIC

  • If you’re travelling within Europe you’ll be entitled to the European Health Insurance Card also known as the EHIC. This has been put in place by the NHS and replaces the E111.
  • With the EHIC, you’ll be entitled to the same level of medical care as the residents in the country you’re visiting. This could mean free or lower priced health care however it’s not a valid form of travel insurance and won’t cover repatriation so do take out a specific travel insurance policy alongside this.

Staying healthy while away

  • One of the best ways to keep kidney disease under control is lifestyle changes. If you’ve put this into action at home after instruction from your doctor, try to maintain this while on holiday. Keep a balanced diet and include natural, whole foods rather than processed foods.
  • You may have been given a special diet from a dietician to help with your kidney disease, if this is the case it may be a good idea to take a list of foods you need to avoid in the language of the country you’re visiting.
  • Exercising is recommended for someone with kidney disease or who has had a transplant, speak to your doctor before carrying out any form of exercise but gentle strolls while you sightsee and a few lengths in the swimming pool can be a great way to keep your body active while you’re away.
  • Staying hydrated is a great way to keep your kidney disease under control, stick to bottled water while on holiday and carry a bottle with you when you’re out and about.
  • Listen to your body and don’t overdo it. If you’ve been sightseeing one day, don’t be afraid to spend the next day lazing by the pool with a good book, this will ensure you feel well enough to fully enjoy your holiday.

Travel Insurance for renal patients FAQs

Can I get Travel Insurance if I have a renal condition?

Yes — at AllClear, we can help you find Travel Insurance even if you’re living with a renal condition or if you’ve had a kidney transplant. We specialise in Travel Insurance for people with pre‑existing medical conditions, and we work with providers that are experienced in arranging cover for a wide range of kidney‑related health needs.

What does AllClear’s Travel Insurance cover for kidney patients?

When you declare your renal condition with us, we’ll tailor your Travel Insurance to your needs. Depending on the policy you choose, cover can include:

  • Emergency medical treatment while you’re abroad

  • Repatriation if you need to return to the UK for care

  • Cancellation or curtailment if you can’t travel due to your condition

  • Protection for lost, stolen or damaged prescribed medication

  • 24/7 medical assistance wherever you are in the world

AllClear policies are designed to support people with pre-existing medical conditions, so you can travel with confidence knowing you’re protected. Your quote will clearly show what’s included and excluded, and our UK-based team is always on hand to help if you have questions.

Will a GHIC cover medical care if you're travelling with a renal condition?

The GHIC (Global Health Insurance Card) will cover any emergency medical costs while you’re travelling in a participating country in Europe. However, the UK Government recommends that all British nationals get the recommended type of Travel Insurance before they leave the country.

While the GHIC will cover emergency medical costs, it does not cover other medical expenses – such as transport to or from a hospital. It also does not cover other holiday emergencies, such as lost luggage or cancelled flights.

Will I be covered when receiving dialysis treatment while abroad?

You can obtain cover for trips if you require dialysis treatment while abroad providing the following conditions are met:

  • The treatment is deemed necessary by a medical practitioner as routine treatment of your condition while on holiday.
  • Your condition has been diagnosed, declared and covered on the policy.
  • You are not going abroad solely for the purpose of receiving dialysis or a form of dialysis unavailable in your home country.
  • You have been declared fit to travel by your general practitioner or specialist medical professional.

You must ensure that the facilities available in the area you are travelling to are of a high enough standard to safely provide dialysis treatment. You can do this by contacting Kidney Care UK on 01509 808668.

You can not claim for the cost of any complications that arise as a result of pre-booked dialysis treatment. You can not claim for the cost of any pre-booked dialysis treatment if you are unable to go on your trip as planned.

Get the most out of your trips with our helpful guides

Where are you visiting? 

Having trouble knowing what you need? Explore our helpful guides for tips.

Which activities do you have planned?

Whether you’re planning a group holiday or setting sail on a cruise, remember to add extra coverage to your policy for a worry-free trip.

Letitia Smith
Travel Insurance Expert

Letitia is a Travel Insurance expert with more than 20 years experience in science and medical communication and helping people find specialist insurance. As Head of Communications at AllClear, she brings in-depth knowledge on medical cover. Letitia cares about supporting people with medical conditions to travel with confidence.

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^ Based on UK companies in the ‘insurance’ category on Trustpilot, as of July 2025. AllClear Gold Plus and Platinum achieved Which? Best buy. AllClear Gold Plus and Platinum has been 5 Star rated by Defaqto.

  1. Based on 574 responses, post-purchase survey June 2025