What travel insurance should a diabetic get?
Diabetes is classed as a pre-existing medical condition, so standard travel insurance will not cover you if you’ve been diagnosed prior to your holiday. While not compulsory, we view diabetic travel insurance as essential so that you can receive medical attention that relates to your condition if the situation arises.
If you have diabetes, there’s no reason that you should not be able to get travel insurance. AllClear can cover you regardless of whatever type of diabetes you have, as well as any complications you are living with.
We offer diabetes travel insurance which covers all of your pre-existing medical conditions. In fact, we cover:
- Any age.
- Any medical condition.
Compare multiple quotes in one place, and select the diabetes travel insurance which matches your health requirements.
Key benefits of diabetes travel insurance from AllClear
- All diabetes related conditions considered.
- 24-hour medical emergency helpline.
- Medical emergency expenses of up to £15,000,000 (Including cover for lost medication).
- Up to £1,000 Medical inconvenience benefit for when you are in hospital as an in-patient.
- Cancellation cover of up to £5,000.
- Personal belongings cover of up to £5,000.
What’s more, all these figures are per person and per trip.
Frequently asked questions
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.
Are you unsure if you need to declare your diabetes?
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.
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.
Get quotes in just 3 easy steps
1. Call us or click a quote button on our siteOnce 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 processYou then declare the medical conditions for you (and any other travellers) and answer the specifically designed medical questions.
3. Get your quotesYou will then get your quotes and can either proceed to buy, or save your quote, at this stage.
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5 helpful tips for travelling with diabetes
- If you’re insulin dependent, it might be wise to wear a medical identification bracelet that states that you are diabetic and keep your medical emergency number on you. Doing so will also help overcome any language barriers.
- You’re allowed to let loose on holiday but remember to stick to your medication routine (Source: NHS). 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. Make sure to adjust the clock on your insulin pump to reflect the change in time zones.
- While you’re covered for losing medication, it’s still a good idea to take more than you need – just in case. Also, keep any medication in your hand luggage to further increase your chances of keeping them. Apart from lost luggage, checked baggage can be exposed to extreme cold or heat that can spoil medication.
- Let airport security know that you have diabetes. Keep your insulin bottles and pens in their original packaging to prove that the prescription is your own.
- 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.