If you’re looking for HIV Travel Insurance, you may have been turned down by basic policies. As the UK’s most trusted Travel Insurance Provider², we’ve insured more than 3.5 million people. We provide specialist Medical Condition Travel Insurance for those living with HIV and AIDS.
Specialist Travel Insurance for HIV and AIDS
HIV holiday insurance will give you peace of mind if you or someone you’re travelling with is living with the virus. We think everyone deserves to enjoy a holiday while knowing they’re covered by the right Travel Insurance policy for them.
- Current HIV treatments mean most people with the virus can live a long, healthy life. In fact, more than 100,000 people are living with HIV in the UK
- Emergency medical costs are rising. If you’re travelling and need unexpected medical treatment, you could face high bills. According to ABTA, the average price of an air ambulance from outside Europe to the UK has more than doubled since 2019 to £65,000 – £74,000
- Some destinations have notoriously high medical costs, making Travel Insurance essential. For instance, in the USA per per-person health expenditure is more than twice that of the UK. That could leave you facing high costs if you need emergency treatment abroad.
Can you get Travel Insurance if you have HIV?
Yes, at AllClear, we provide specialist Travel Insurance for HIV, including:
- Cover up to a high level of severity
- Cover for a terminal prognosis
Many basic insurance policies will not cover HIV and AIDS, or medical screening will mean you are declined. However, our Medical Travel Insurance cover at AllClear means you can still get Single Trip and Annual Travel Insurance with HIV. What’s more, we can provide cover for more than 1,300 other conditions as well.
It’s quick and simple to get HIV Travel Insurance with AllClear. We will ask you a series of medical screening questions to make sure we provide you with the right level of cover for your holiday. Remember, you must declare any pre-existing medical conditions, including HIV and AIDS. If you don’t declare them, you will not be covered for any complications arising from those conditions.
Do I need HIV Travel Insurance?
If you have to cancel your trip due to unexpected complications with HIV or AIDS, face a medical emergency while away, or lose your medication, you want peace of mind that you’re covered. If you’re travelling with family or friends, including your whole group on the same policy will mean you’re all protected. What’s more, 99%+ of all claims from our customers are paid within 5 working days³.
Get your quote online now or phone our team for free.
Always make sure you read our Policy Wording for full details of what is and isn’t covered with your HIV Travel Insurance policy.
What cover does AllClear’s HIV Travel Insurance provide?
Get unparalleled peace of mind with our Medical Travel Insurance. Your holiday should be about relaxing and making memories. With Travel Insurance for people with HIV, you can go away with confidence knowing you’re covered. 97% of our customers would consider buying from us again⁴.
What’s covered?
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- Medical cover: AllClear policies include emergency medical cover, including costs for existing conditions. This includes prescription medication, medical emergencies and medical equipment
- Cancellation and cutting your trip short: Cover for your flight and accommodation costs if you unexpectedly have to cancel for reasons outside your control. We’ll also cover you if you need to return home early following an emergency
- Your baggage: Protection against the cost of stolen, damaged or lost luggage and personal possessions. You can also choose to add extra cover for gadgets to your policy
- Travel delays and missed departures: We’ll compensate you for the time if your flight is delayed. If you miss your flight due to reasons outside of your control. You’ll also be covered for accommodation and transport costs
- Personal liability: Cover for your legal expenses and any liability due if you accidentally injure someone. You also have cover if you damage their property while you’re away on holiday
- All ages: We believe Travel Insurance should be available to as many people as possible. That’s why our Travel Insurance has no upper age limit
What’s not covered?
-
- Deciding not to travel: We do not provide any cover if you can travel but choose not to
- Other regions: We won’t cover you if you travel outside your chosen region. Although you can contact us to upgrade your policy at any time
- Claims below the value of excess: You’re not covered for claims that fall below the value of the excess stated in your policy
- Medical conditions you fail to declare: You need to provide us with an accurate medical history when you buy Travel Insurance, so we can give you the right cover. This is especially vital for senior travellers and those with long-term conditions
- Activities: Always check that any activities you plan are included by reading the Policy Wording. We offer a range of optional extra cover if needed. We do not cover winter sports for anyone over 65
- Going away for medical treatment: You will not be covered if you’re going away for medical treatment or travelling against medical advice
For full details of what is and is not covered, please check your Policy Wording.
We have three levels of policy available, depending on your budget and needs. Take a look at our Gold, Gold Plus, and Platinum policy levels here:
SWIPE TO COMPARE POLICIES
| |
Gold
|
Gold Plus
|
Platinum
|
| Emergency medical expenses and Repatriation costs |
Up to £10m |
Up to £15m |
Unlimited |
| Cancellation* and cutting your trip short |
Up to £2k |
Up to £15k |
Up to £25k |
| Travel Delay |
Up to £300 |
Up to £1,500 |
Up to £1,500 |
| Personal Belongings |
Up to £2k |
Up to £2.5k |
Up to £5k |
| 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.
How to get HIV Holiday Insurance
From packing enough medication to buying Travel Insurance, we know going away with a pre-existing medical condition, such as HIV, can cause stress. As a specialist Medical Travel Insurance provider, we make the process of getting cover quick and easy.
Get a quote online today or phone our team on 0800 848 8608. We’ll need a little information about your trip, and then you will complete our medical screening process. We will ask you questions about your HIV and any other pre-existing conditions you may have, such as:
- Have you started a new medication or treatment in the last three months?
- What is your viral load?
- What is your CD4 count?
We will use your answers to make sure we offer you the best cover for your conditions and holiday plans.
Do you need to declare HIV on your Travel Insurance policy?
You must declare any pre-existing condition during our medical screening process, including HIV and AIDS. This is so we can make sure we offer you the right cover. We cannot cover you for costs relating to any pre-existing conditions you do not declare. You could face high emergency medical costs from your own pocket if you don’t have the right Travel Insurance cover.
For full terms and conditions and details of what is included in your HIV Travel Insurance, read the Policy Wording.
AllClear’s Travel Insurance for HIV with other pre-existing medical conditions
As the UK’s most trusted Travel Insurance Provider⁵, we cover more than 1,300 medical conditions. If you have any pre-existing medical conditions as well as HIV, it’s important to declare these during medical screening.
We help customers with multiple medical conditions get quotes every day. In fact, 62% of customers in our annual survey had more than one pre-existing medical condition⁶.
You must disclose to us if you or anyone else insured on the policy has:
- In the last two years, taken any prescribed medication or received medical treatment or advice at a hospital, clinic, GP surgery or via remote consultation;
- Received or been offered palliative care;
- Been placed on a waiting list that could cause you to cancel or curtail your trip;
- Been advised of a terminal illness.
Whether you have diabetes, a heart condition, high blood pressure, asthma, cancer, epilepsy, or another pre-existing condition, get in touch today. We’ve already covered more than 3.5 million travellers.
Always read our Policy Wording for full details of the terms and conditions and any exclusions.
Find the best HIV Travel Insurance for your trip
We know everyone is different, that’s why we offer a range of options to suit your holiday. Whether you need:
- Single trip Travel Insurance: If you’re going away on one holiday this year, this is the best option for you
- Annual Travel Insurance: Our annual policies can often save you time and money if you have more than one trip planned
- Cruise cover: Cruises may require you to have Travel Insurance covering your conditions, such as HIV, before you can board
- Family cover: If you have to cancel due to causes outside of your control, such as complications with your HIV, your family is covered on the same policy⁷.
- And much more: Get additional cover for your gadgets or extra protection for activities such as a golfing holiday
Always read the Policy Wording to find out what is and isn’t included in your HIV Travel Insurance.
How our Travel Insurance for people with HIV works: A simple 3 step quote process
Get HIV Holiday Insurance with our simple 3-step screening process:
- Get a quote online or by phone
Tell us a little about you, who you’re travelling with and your trip. You can do this online or over the phone with our friendly team.
2. Complete our simple medical screening process
Declare your pre-existing medical conditions, including HIV, and answer some questions. This helps us provide you with the right level of cover.
3. Get your quote
You can decide to either buy your policy right away or save your quote for future use.
“If you have HIV or AIDS, you may have concerns that you won’t be able to get Travel Insurance. Our team at AllClear can help. We can provide policies for those with a high level of HIV severity or a terminal prognosis. Helping with the costs from a medical emergency while you’re away or if your medication is lost or stolen.”
Letitia Smith – Head of Communications.
What our Customers Say
98% of our customers rate us as ‘Excellent’ or ‘Great’ on Trustpilot⁸. Find out what they have to say.
Great company to deal with
“I have used AllClear before and find them very easy to deal with and their staff are friendly and helpful.
I have some medical issues that other insurance companies wouldn’t cover but AllClear were happy to do so at a reasonable cost. This makes holiday planning more secure for me and my family.
All in all, a great company”.
– Mr D Martin. AllClear customer.
Frequently asked questions on Travel Insurance with HIV
Is HIV considered a pre-existing condition for Travel Insurance?
Yes, HIV and AIDS are considered pre-existing medical conditions for travel insurance. You must declare that you have HIV or AIDS when you complete our medical screening. Otherwise, you will not be covered for any complications or costs associated with the condition. This could leave you facing high medical bills if something goes wrong.
How much does Travel Insurance cost for people with HIV?
Many different factors can affect the cost of Travel Insurance for HIV. These include::
- Where you’re going
- How long you will be away for
- How many people you wish to cover
- Whether you require any additional cover for activities or equipment
- Whether you have any other pre-existing medical conditions
- The status and treatment of your condition
We tailor your policy to suit your needs. Get a quote online or phone our team on 0800 848 8608 to find out more.
Will you be covered by GHIC if you have HIV?
The Global Health Insurance Card (GHIC) gives you access to necessary state healthcare in certain European countries at the same price as residents. This normally means treatment will be free or at a reduced cost.
The GHIC card does not apply to all countries. It also does not cover all medical costs such as repatriation if you need to be transported back to the UK. It only helps you to access state healthcare, it does not provide cover for lost or stolen baggage, cancellations or delays.
It is always recommended that you buy Travel Insurance as well, to cover you for your trip away.
Get the most out of your trips with our helpful guides
Where are you visiting?
Explore our helpful guides for tips on remembering everything you need when travelling to one of our destinations.
Which activities do you have planned?
Want a worry-free trip? Don’t forget to add extra cover to your policy. Whether you’re planning a family holiday or setting sail on a cruise, we’ve got you covered.
