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Home » Travel insurance » COPD Travel Insurance

Why do you need COPD Travel Insurance?

COPD travel insurance covers you if you have a lung condition and wish to travel with confidence. Lung condition travel insurance covers you for medical emergencies, which is vital to prevent unexpected medical bills and support you if you have any medical issues while you are away.

A comprehensive COPD travel insurance policy should cover you for your particular COPD condition e.g. chronic bronchitis, emphysema or chronic obstructive airways disease.

Key Benefits of AllClear Lung Disease Travel Insurance

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

Will you be covered if you’re travelling during the COVID-19 pandemic?

There are three things to check so that you can make sure you're covered:

  • You must be fit to travel
  • The FCDO must NOT have advised against travel to your destination - check the FCDO travel advice
  • You must follow the local government advice for your destination, checking and following their guidelines and entry requirements

You can then be covered for emergency medical expenses and cancellation for a positive diagnosis of COVID-19, with AllClear travel insurance with enhanced Coronavirus cover. Existing policyholders should read our Frequently Asked Questions if your trip is affected by Covid-19.

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.

Getting travel insurance for someone with COPD

Making sure they are covered

When completing your quote it’s important to declare any form of COPD you have.

As part of our medical screening process for travel insurance with COPD, we’ll also ask you to provide information about your previous and current state of health. There are a few easy to answer questions about your personal details and then you move onto declaring any pre-existing medical conditions you may have.

How to declare COPD

At AllClear we use COPD as an umbrella term to cover a variety of respiratory diseases. Once you declare your COPD we may ask you the following questions:

  • How many medicines are prescribed for your condition? (We do not require the names of any medication).
  • How many hospital admissions have you had in the past year?
  • How short of breath do you get when walking on flat ground?
  • Have you received a prescription for oxygen other than when in hospital?
  • Have you ever been a smoker?
  • In the last year have you had a chest infection or an episode of pneumonia?

The importance of declaring all conditions

Once you have successfully declared COPD you will also need to declare any other recurring illnesses, on-going or lifelong conditions, previous surgeries and any conditions you’re currently living with. This is because if you fail to declare your COPD, or any other condition you may have when taking out travel insurance, you could invalidate any claim resulting from a particular condition.

What will affect the price of your policy?

There are a number of factors we use to accurately calculate the quotes we offer you, for example:

  • Medical condition.

Using more than 15 years of comprehensive claims data we accurately assess your medical conditions and their severity in order to calculate the level of risk and determine the premium of our AllClear policies.

  • Age.

As we get older we become more likely to make a travel insurance claim, this consequently affects the price of your premium.

  • Destination.

Some countries will treat you through private hospitals rather than the state system. This then means that if you need medical attention whilst on holiday your healthcare would be more expensive and this factors into your premium.

  • Duration.

The longer you’re on holiday for the more likely it is that you will need to make a claim, so this is factored in when rating the risk of a claim.

We offer quotes for you to review based on all these factors. You can then choose a policy and make your purchases.

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COPD travel tips

The importance of planning ahead when travelling with COPD

  • Since difficulty breathing is a hallmark of COPD, if you have the condition you may be reluctant to travel far from home. The key to travelling with COPD is in the preparation, particularly if you use oxygen. Therefore, last minute deals might not be a good idea – you might want to aim to plan your trips at least 4 to 6 weeks before you travel. You should consider seeking medical advice before you book your holiday to ensure you’re fit to travel. Get the names of local doctors, hospitals, and clinics where you can get help if needed – your own doctor or healthcare provider may be able to help you here. Make sure the holiday providers at your destination understand your COPD and any special requirements.
  • It’s also important to be realistic when deciding whether your destination is suitable for you, (think about terrain, access and the cost of travel insurance). If you’re able to go on long walks over hilly terrain that’s great, but if not then make sure you don’t plan for that holiday. Also, research travel insurance costs and remember to tell your travel insurer about all your pre-existing medical conditions!

Do you require a medical certificate?

  • The amount of oxygen in an aircraft can be 15% (compared to 21% on the ground); this can cause complications if you have COPD. Because of this some airlines require medical certificates confirming that a patient is currently stable and fit to fly – your GP can advise you on this.

Using oxygen whilst flying

  • If you use oxygen when travelling with COPD, you may want to check specific airport and airline regulations on oxygen prior to travel and see if they will allow you to carry a portable oxygen concentrator on board. You may be required to use a special inflight oxygen concentrator when on the plane. Book direct flights whenever possible as this eliminates the need to have oxygen during layovers. Always be sure to arrive at the airport early to help ensure a stress free check in.

On your holiday

  • If you have prepared well for your holiday, then once you are away you should be able to relax and have fun. You might want to make sure to carry a list of emergency contacts and a list of your medication. It’s also important to keep your EHIC card on you (if you’re in Europe) and to have your travel insurance documents kept in a safe place.
  • You may also want to locate the nearest medical facility to you so you can seek medical assistance quickly if you begin to feel unwell.

Article References:

  1. British Lung Foundation: Flying with a lung condition 
  2. COPD Foundation: Traveling with COPD

 

Frequently asked questions

Annual multi-trip or single trip?

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

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

What will affect the price of your policy?

We calculate the premiums you’re displayed using multiple factors. These include age, trip duration, destination and pre-existing medical conditions.

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