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Home » Travel insurance » Diabetes Travel Insurance

AllClear Comprehensive Travel Insurance for Diabetes (Type 1 or 2)

Living with diabetes doesn’t mean you can’t still enjoy your much-loved holidays. We at AllClear can provide you with specialist diabetes travel insurance that you can rely on when you need it most. Our emergency medical expense cover will provide you with up to £15million cover for costs that may arise while you’re abroad, including all costs of 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 will also be covered for the cancellation of your holiday and curtailment, should 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, including your passport and cash.

Benefits of an AllClear Policy

Main Benefits
  • Cancellation and Curtailment covered up to £25,000, including for Covid-19
  • Up to £15 million emergency medical expenses cover, including for Covid-19
  • Up to 30 days FREE extended cover (if due to unexpected circumstances beyond your control)
  • Up to £2,000, if medically necessary, for a friend or relative to travel from your home area to stay with you if you fall ill with Covid-19 (costs for room and to accompany you home)
  • Repatriation costs, when medically necessary, to bring you back to the UK where it is deemed to be in your best interests
  • Following recovery from Coronavirus, costs for a continued recuperation stay, when medically necessary and under doctors advice
  • Costs for your return flight following your enforced stay due to Coronavirus
  • Personal Belongings covered up to £3,000
  • All conditions. All ages.
Freephone to get your quote on: or
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.

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. Freephone to get your quote on: or

Do You Need to Declare a Diagnosis of Prediabetes?

If you’ve been diagnosed by your GP or medical practitioner as having prediabetes then you will still need to get that condition covered as it may lead to you needing medical attention or treatment abroad. You may have been placed on blood pressure tablets as a result of 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 require while away. Make sure you declare any diagnosis of prediabetes when setting up your travel insurance policy.

Do you need Specialist Medical Travel Insurance for Diabetes?

If you have 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. That’s where AllClear can help. You’ll require a specialist medical travel insurance policy to ensure you have the correct cover should you need any treatment while away, linked to your diabetes.

With so much to think about when planning a trip , it’s easy to forget why we need travel insurance when booking a holiday.

Even if you’re travelling within the UK with diabetes, you should still have a medical travel insurance policy. An AllClear policy can cover you for the cancellation of your UK holiday due to your diabetes or other unforeseen circumstances. You may even require repatriation back to your local area by medical transportation and this cost may not be covered by the NHS.

When travelling abroad with diabetes or prediabetes, it’s vital to have a medical travel insurance in place before you travel. If you have any pre-existing medical condition then it is essential that you declare it to your insurance provider.

Medical costs abroad can be life-changing. Don’t leave yourself paying large medical bills. A simple comprehensive medical travel insurance policy from AllClear can cover you up to £15million for emergency medical treatment and up to £5,000 for cancellation.

Call us today on 0800 077 777!

All Clear Enhanced Coronavirus COVID-19 travel insurance

Our AllClear policies now offer enhanced Coronavirus travel insurance for medical emergency expenses and for 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.

Covid-19 and Diabetes

With the effects of the Coronavirus (COVID-19) still being felt worldwide, we have to take extra care and caution when making travel plans. If you have type 1 or 2 diabetes or prediabetes then it’s more important than ever before to ensure that you’re making the right decisions when it comes to travelling.

We’re all desperately yearning for our long-awaited holidays but before we travel it’s important for everyone that we know how the Coronavirus might affect us and those around us. According to Diabetes UK, those living with diabetes are not in the “clinically extremely vulnerable” group but they are in the “clinically vulnerable” group. You may want to consult with your GP or a medical practitioner before making your plans.

For Diabeteseducator.org, Christel Oerum, owner of Diabetestrong.com, stated that “people living with diabetes are not immune-compromised, and there is no evidence that people living with type 1 or type 2 diabetes are more likely to get infected with COVID-19”.

As long as you’re declared fit to travel and the WHO or FCDO are not advising against travelling then AllClear can cover you.

How much will your Travel Insurance for Diabetes cost?

Your diabetes, other pre-existing medical conditions and your age will contribute to your final premium. Also the length of your holiday and also the country that you are visiting will contribute to your insurance premium. If you enhance your policy with additional optional extras such as winter sports cover or cruise cover then this will also affect the final premium. Talk to our team today to find out which policy is right for you.

AllClear Enhanced Cover and Optional Extras

At AllClear, we can tailor our policies to suit you and your travelling party specifically. We offer fully removable cancellation and curtailment cover and we can enhance your policy significantly, with our optional extras – to give you the cover you require.

If you’re thinking of going on a cruise holiday then add AllClear cruise travel insurance to your policy to make sure you have the correct level of cover for a holiday at sea.

Going on a skiing holiday? Just add winter sports cover to your policy and get fully covered. We also offer travel disruption cover, golf cover and gadget cover.

Do You Need a Single or an Annual Multi-Trip Policy?

Depending on your specific travel plans, you may find that either a single trip policy or an annual multi-trip policy might suit you. With annual multi-trip cover, you can travel as often as you like and still be covered throughout. Our single trip policies can cover you for up to 365 days maximum duration.

If you’re planning on travelling more than once throughout the year then you may save on your premium by travelling on our annual multi-trip policies. With an annual multi-trip policy you can travel as often as you like with an individual trip duration limit of 45 days. We can even increase that to 55 days. At AllClear we have a policy that will suit you, no matter what your plans are.

Can You have One Policy for the Whole Family?

If you are travelling with someone that doesn’t have diabetes or other pre-existing medical conditions then you don’t have to have separate insurance providers or even separate policies. With an AllClear policy we can cover singles, couples, families and large groups, so you can keep it simple and get everyone on the same policy.

Why Choose AllClear for Diabetes Type (1 & 2) Travel Insurance?

At AllClear we have over 20 years experience supplying our customers with high quality, specialised medical travel insurance and have assisted them throughout thousands of claims – saving our customers tens of thousands of pounds in medical costs. We have many awards and accolades for our outstanding commitment to service, product and satisfaction. Our current Trustpilot rating is 4.9 and 97% of our customers rate us as “Great” or “Excellent”.

When you travel with AllClear you are travelling with the experts. So sit back and let us do all the work for you.

Call our team today on 0800 077 777.

Read AllClear Trustpilot Reviews

Competitor comparison table

This table shows how AllClear Travel Insurance compares to other providers i AllClear Staysure Avanti Saga
5-star Trustpilot reviews 82%77%77%71%
5-star Defaqto rated
Good Housekeeping endorsement
Established for 20+ years
Maximum cancellation cover £25k£15k£7.5k£10k
Minimum standard excess £0£65£0£70
Baggage delay benefit after 12 hours i £250£0£75£250
Number of product choices 4231
No age limits i
Travel companion cover
Terminal conditions cover
Admin fee for cancelling during the cooling off period £0£25£25£0
Refund provided outside of cooling off period
Claims paid within 5 working days i 100%95%N/AN/A

Helpful tips for travelling with diabetes

If you’re insulin dependent, consider wearing a medical identification bracelet that states that you are diabetic, keep your medical emergency number on you, 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.

You can let loose on holiday but remember to stick to your medication routine.If you’re insulin dependent, travelling outside of your time zone and jet lag might cause you to eat at strange hours – which can affect your insulin levels. When travelling east the day will be shortened and when travelling west the day will be extended.

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.

Let airport security know that you have diabetes.

Keep in mind that long periods of sunbathing can affect your control of your diabetes, as 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.

Consider contacting your insulin manufacturer to find out if your insulin is supplied in the country you’re visiting and if it’s sold under the same name. Find out where you could get an insulin supply in case of emergency.

In some countries blood glucose is measured in milligrams per 100 millilitres (mg/dl) instead of millimoles per litre (mmol/l).

If you use a pump or Continuous Glucose Monitor (CGM) get in touch with your airline before your departure so that they can take your needs into account (some airlines may require 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.

Be aware that the decrease in cabin pressure on ascent may slightly increase insulin delivery and the increase in cabin pressure on descent may slightly decrease insulin delivery. Make sure to adjust the clock on your insulin pump to reflect the change in time zones.

Frequently asked questions about diabetic travel insurance

Should I buy travel insurance for diabetes?

The UK government recommends buying comprehensive travel insurance wherever you travel abroad, whether or not you have diabetes. Diabetes UK recommends you buy travel insurance too. Do apply for a free European Health Insurance Card (EHIC) if you don’t already have one, but note it only entitles you to the same quality of care at the same terms as a resident of the country you’re visiting, and it doesn’t cover some medical expenses including emergency repatriation.

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. If you are on a waiting list for treatment, or you join one, you can add on Waiting List cover. While some travel insurance providers exclude or remove cover in relation to future treatment, 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. 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.

Do I have to declare diabetes on travel insurance?

It may be that your diabetes is stable and not of great concern to you. After all, since 1996 the number of diabetics living in the UK has more than doubled, as it’s an increasingly common condition. However, for the purpose of your travel insurance, it is still important to declare it. Doing so makes sure you have full cover for any diabetes related complications – unexpected or otherwise. Please rest assured that during your quote you will be able to accurately state how diabetes affects you during our questions about the condition. 

Does diabetes increase travel insurance?

Depending on what you declare and the policy you choose, you may or may not be charged an additional premium for your diabetes. The important thing is that you have declared your conditions and your insurance covers them.

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, all of our policies will cover you. What’s more, any other travelling members listed on your policy are also covered.

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.

Can you fly with diabetes?

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

Can diabetics get travel insurance?

Many travel insurance policies don’t cover diabetes. But at AllClear we are the specialists in providing travel insurance for medical conditions including diabetes.

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. By Daniel Davies, AllClear Medical and Travel Content Creator. “It’s important to us that our customers are given all the information they require before making their decisions. We go the extra mile, making sure customers are well informed and feel secure before they travel”. 28/01/2021

Edited by Letitia Smith MSc, Content Manager