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Home » Travel insurance » Ulcerative colitis travel insurance

Ulcerative colitis travel insurance

Ulcerative colitis travel insurance covers you if you are currently living with ulcerative colitis and wish to travel with peace of mind. This type of insurance covers you for medical emergencies, even those related to COVID-19, which is vital to prevent unexpected medical bills and give you the support you need if you have any medical problems while you are away.

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.

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.

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 unforeseen 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.

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.

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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.

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