Ulcerative colitis travel insurance
The 146,000 people that have ulcerative colitis in the UK will most likely agree: the condition can be unpredictable. You can never really anticipate when your symptoms are going to flare up. Sometimes you can have a long period of time without symptoms, only to have them appear suddenly when you least expect it. Everyone is different. That’s why with our ulcerative colitis travel insurance you can make sure you are fully covered, just in case you need any emergency medical treatment as a result of your condition while you’re away.
The main benefits of cover
- Medical expenses covered up to £15,000,000.
- Cancellation and Curtailment covered up to £5,000.
- Personal Belongings covered up to £3,000.
- All ages. All medical conditions. All destinations.
Frequently asked questions
Are your travelling partners covered if you need come home early?
All other members that are named on your policy are covered for curtailment if you need to come home early as a result of your ulcerative colitis (or any other unforseen medical event).
If they are with a different insurance provider, you can still add Travelling Companion Cover. That means your travelling companions will still be covered for events that happen to you. Please note, in order for you to be covered for events that happen to your travelling partner, you will need to speak to their insurance provider.
What if you're under investigation for bowel obstruction?
If your medical condition is currently undiagnosed, we are not able to offer cover until you get a diagnosis.
If a doctor does confirm bowel obstruction, you can simply answer ‘yes’ to having had the episode during the questions about your ulcerative colitis.
What if you have a European Health Insurance Card (EHIC)?
If you decide to travel within the EU, carrying a European Health Insurance Card can help.
It allows you to get state healthcare at a reduced cost.
But always remember the EHIC does not replace your travel insurance. It won’t cover for you needing to cancel your holiday, or return any lost expenses if you need to come home early because of ulcerative colitis.
Also, while you are entitled to the same healthcare as local residents, it may still include relatively high expenses for treatment. Of course, if you’re travelling outside of Europe, travel insurance becomes even more vital.
What if you're waiting for treatment for ulcerative colitis?
We’re pleased to say we can still offer you a quote.
If you are yet to be given a date for your treatment, you have the ability to add the optional extra of Waiting List cover.
Also, be sure to answer that you are on a waiting list for treatment during the initial medical warranty section. That way, you will only be offered quotes which include the option to add Waiting List cover.
Do you have to tell us about medication?
You’ll only need to declare ‘ulcerative colitis’ during the medical section.
The questions about ulcerative colitis will ask about medication. However, we’ll only need to know how many different types you’ve been prescribed – rather than the names of your medication.
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Tips for travelling with ulcerative colitis
If you have ulcerative colitis, then you should have a good idea of how to manage your condition. You should also have an idea of how to avoid things that trigger your condition. Going on holiday should be a relaxing and enjoyable experience. However, the change in lifestyle can sometimes lead to people not paying as close attention to their ulcerative colitis as they might at home. With factors such as stress, sleep and diet affecting ulcerative colitis, you’ll want to make sure you have good travel plans in place.
Here are some points to consider
- Pack a travel kit containing containing all your daily necessities, including items like wet-wipes, for example.
- It sounds simple, but making sure that you have enough medication is vital. Speak to your doctor before you travel as they may prescribe additional medication for your trip. Also, ensure you have an extra 3-5 days’ supply in case of delays. Keep all medication in your carry-on luggage and in the original packaging.
- Know your body and your symptoms and plan your trip accordingly. For example, if you know that your symptoms are worse in the morning, consider resting in the morning and going out sightseeing in the afternoon.
- Prepare your own food for the journey, so you know exactly what you are eating.
- Stress can be a trigger for ulcerative colitis, so do what you can to stay relaxed. For some, listening to calming music during a journey can put your mind at ease.
- Sleep is very important if you have ulcerative colitis, as it will help your body deal with the disease. If you’re embarking on a long journey and don’t sleep well on planes, consider breaking up the flight with a stopover so that you can get a good night’s sleep in a hotel.
- Get an idea of where the bathrooms are around you, in case you need to find one in a hurry. There are a few apps that are designed to help you locate the nearest bathroom.
- If you are experiencing emergency symptoms such as blood in your stool, severe abdominal pain or high fever, seek treatment immediately.