Getting the right travel insurance with HIV and AIDS

Getting travel insurance when living with AIDS or HIV can feel like a difficult process. But, if you have the right insurance in place, you can sit back and relax, knowing that you’re covered.

We want you to have a stress-free holiday, with the peace of mind that you’re in the best hands if anything goes wrong.

You’ll have the confidence that you’re supported by the UK’s Most Trusted Travel Insurance Provider.**

To find out what cover is available for people living with HIV or AIDS, simply talk to our friendly team on 0800 033 4902, or get a quote online today.

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Why do I need travel insurance for HIV and AIDS?

It’s always best to be protected when travelling, just in case something doesn’t go according to plan.

We like to do things the right way. We’re sure that where travel insurance is concerned, you have the same approach.

In 2017, 1 in 20 people made claims on their Annual Travel Insurance***. So, it’s not as uncommon as you might think.

Covering the costs of lost luggage, cancellations, flight delays or a lost passport, travel insurance saves you the hassle and expensive fees that come with any unexpected problems that disrupt what’s meant to be a relaxing trip.

As for the cost of medical treatment, services vary between countries but for many, it can be costly.

The right policy could save you a lot of money (and unnecessary stress) if issues do crop up while you’re away. After all, we know that peace of mind at a time you’re meant to be stress-free, is priceless.

To get a quote you need to complete a medical screening. The process takes only minutes and can be taken over the phone with one of our helpful advisors, or online with a simple questionnaire. All information given is treated confidentially.

What does our travel insurance cover?

Basic Comprehensive
  • Medical emergencies and repatriation up to £5m
  • Cancellation and cutting your holiday short covered from £500 with optional upgrade to £3,000
  • Baggage claims up to £300
  • Cash lost or stolen up to £250
  • Excess £85 – £100
  • Medical emergency and repatriation up to £10m
  • Cancellation and cutting your holiday short covered from £5,000 up to £15,000
  • Baggage loss up to £2,500
  • Cash lost or stolen up to £500
  • Legal protection cover of up to £25,000
  • Excess £65

Can you cover me if my condition is terminal?

Unfortunately, no. We cannot provide cover for any terminal diagnosis.

If we can’t provide the right cover for your condition, then we can signpost you to The British Insurance Brokers Association (BIBA). They may be able to help you find an alternative provider.

What will I be asked during the medical screening?

To check that we can cover you for HIV or AIDS, you’ll be asked a few questions about your condition, such as:

  • In the last three months have you started a new antiviral drug or is a new drug planned?
  • What is your latest CD4 count?
  • If you have been on antiviral treatment for more than three months, what is your latest viral load?
  • Have you been advised to start antiviral treatment but chosen not to?

Do I need to tell you about all my medical conditions?

Yes. It’s vital to get the details right at this stage, to avoid any disappointment later. If a medical condition is not included in your policy it would end up meaning you are not covered if you later need to make a claim.

Beforehand, it’s important to talk to your doctor or care provider to be sure of any risks you may be taking and that they’re happy with your travel plans, especially if you plan on visiting a developing country. Be aware that food and water in some countries may not be clean, so would be unsafe to consume and leaving you vulnerable to infections.

Unfortunately, some locations are unsafe to visit for those with HIV related illness’. To find out more information, visit the Terrence Higgins Trust.

I’ve already bought my policy. Can I make additional changes to it?

If something changes before you take your trip, such as your CD4 count, new conditions, symptoms or any changes, we’ll need you to let us know as soon as possible. We’ll do our best to see if we can increase the coverage of your policy where necessary. It is best to let us know sooner rather than later so we can update your policy details and ensure your cover is tailored to your needs.

You can tailor your cover to different circumstances, to ensure you have the right cover for you. Every customer is an individual and we take care to ensure you’re covered properly.

After all, if something is worth doing, it’s worth doing right.

To see what insurance cover is best for you, call us for free on 0800 033 4902, or get your quote online today.

Get a Quote

Get your travel insurance quote today

Give us a call today on 0800 033 4902. Or, you can get a quote online in just a few minutes below.

Get Quote

*£15,000 cancellation cover available on comprehensive policies subject to further underwriting criteria
**Moneywise Customer Service Awards 2017 & 2018, based on the biggest survey of financial consumers in Britain.
*** 5.04% of people claimed on their Annual Travel Insurance Policy in 2017.