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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. Specialist diabetes travel insurance will provide you with up to £15 million medical emergency expenses cover for costs that may arise 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, including your passport and cash.

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. 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 with prediabetes then you’ll 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’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. 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 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 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.

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  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, as well the length of your holiday and also the country that you are visiting. If you enhance your policy with 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 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 need.

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 won multiple awards for our outstanding commitment to customer service and product choice.  Our current Trustpilot rating is 4.9 out of 5 and 97% of our customers rate us as “Great” or “Excellent”.

Call our team today on 0800 077 777.

Read AllClear Trustpilot Reviews

Helpful tips for travelling with diabetes

  • If you’re insulin dependent, consider wearing a medical identification bracelet that states that you are diabetic.
  • 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 – which can affect your insulin levels. When travelling east the day will be shortened and when travelling west the day will be extended. 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 and if it’s 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 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.
  • Flying:  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.  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 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.

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


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