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Osteoarthritis travel insurance

Osteoarthritis travel insurance covers you if you are currently living with osteoarthritis and wish to travel with peace of mind. This type of insurance covers you for medical emergencies, even those related to COVID-19, 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.

Getting a quote is simple and can be done online within just a few clicks. To get a quote you’ll go through our simple quote process where you’ll be able to declare your medical conditions.

You’ll then be shown a range of quotes from our providers where you can compare prices all in one place. This simple comparison process allows you to view the cover for each policy so you know exactly what you’re getting.

Osteoarthritis travel insurance will cover you:

  • For any unexpected medical treatment you need while abroad.
  • To use a 24 hour emergency medical assistance service from your destination.

*Providers will vary, so do check the cover limits of the policy you intend to purchase.

When you’re getting a quote for travel insurance with osteoarthritis you’ll be asked relevant questions about your condition and how it affects you.

Some of the questions you’ll be asked include:

Have you had any joints replaced or resurfaced?

Do you currently use any mobility aids because of your arthritis?

Have you ever needed treatment for any back or neck problems?

Depending on your answers to these, you’ll then be asked more questions to determine your 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 £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

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.

Declaring your osteoarthritis

It’s important to declare your osteoarthritis when completing your quote so that you’re covered for any potential complications related to your osteoarthritis while you’re abroad.

As part of our quote process, you’ll be asked to provide information about your osteoarthritis and any other medical conditions you may have.

You’ll also answer questions about your trip length, destination and personal details. This information will then be used to determine your premium. We then search our panel and list suitable quotes in price order for you to review.

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Osteoarthritis travel tips

Planning your holiday

  • Planning your trip in advance is a good way to ensure you’re organised and ready for your holiday. Taking a couple of weeks to think about what you want to do and where you want to go will help you have a more relaxing and enjoyable time away. Depending on the severity of your osteoarthritis, you may want to consider a holiday destination which doesn’t require lots of walking and isn’t located somewhere difficult to access. Know what climates set off your osteoarthritis pain and avoid them to ensure you fully enjoy your holiday.


  • If your pain is brought on by sitting in one position for long periods of time, it might be best to avoid long haul flights. Alternatively practice some gentle exercises for you to do throughout the flight to keep your joints moving and to avoid stiffness.
  • Purchasing priority boarding when you book your flights can mean you avoid the long queues to get on the plane and you’re able to board before the crowds get on. If you struggle with walking, you could arrange to use a wheelchair while in the airport.


  • If you have specific medication for your osteoarthritis, make sure you see your doctor before you travel so they can prescribe you enough for your trip, plus some more supplies in case of any delays. If you just take painkillers to manage your pain, you’ll be able to pack them in your case for the hold.
  • Pack any creams or bandages you might need throughout your trip and if you use a cane, you can purchase a travel one which will fold up to go in your luggage.


  • If you’re travelling within Europe you’ll be entitled to an EHIC which is a European Health Insurance Card. This will allow you the same level of medical care as the residents in the country you’re visiting, however, this isn’t a valid form of travel insurance and won’t cover you for things such as repatriation.

Relaxing and staying healthy while on holiday

  • Depending on what triggers your osteoarthritis stiffness and pain, keep long bus or taxi journeys to a minimum. If you’ve got an excursion planned which is a bit further from where you’re staying and you need to travel by bus, consider taking some cushions for your comfort while travelling.
  • If you were overweight when you were diagnosed with osteoarthritis, your doctor probably would’ve told you that you need to lose weight and start living a healthier lifestyle. If you’ve put this into action at home there’s no reason for it to go out the window when you go on holiday. It’s nice to indulge while you’re away but that doesn’t mean eating processed foods for the whole trip. Keep a good balance of treats and healthy, whole foods and remember to stay hydrated.
  • If your doctor has recommended you do some gentle exercise, a holiday can be the perfect place to do this. From swimming a couple of lengths in the pool or taking a morning stroll to keep you active, this way it shouldn’t feel like a chore!

Article References:

  1. Arthritis Foundation: 8 Tips for Pain-free Travel
  2. Osteoarthritis Foundation International: Osteoarthritis
  3. NHS: Osteoarthritis

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

[1] Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 30,000 reviews as of January 2023.