Do I need travel insurance to cover my allergies?

Declaring allergies is really important on your travel insurance, especially if you suffer from serious allergic reactions.

Nobody likes to think about something bad happening on holiday – whether it’s medical related or something like losing your baggage – but it does happen.

In fact 1 in 20 people claimed on their Annual Travel Insurance policies in 2017**.

Having a good travel insurance policy and declaring your allergies will mean that you’re protected if you have a medical emergency – including allergic reactions.

We believe that travel insurance is worth doing right to make sure you’re properly protected. Don’t you?

Get a quote online now, or call us on 0800 033 4902.

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Declaring your allergies

For our travel insurance policies, we’ll ask you to declare any pre-existing medical condition where you’ve had symptoms, treatment or appointments with medical professionals in the past two years.

If you’ve not had any of the above in at least two years, then you won’t need to declare your allergies with us.

This is because in the event of a claim, we’ll compare your declared conditions with your medical history from the past two years.

What will I be asked during the medical screening?

Declaring your allergies with us is really simple. We use a medical screening to ask you a few questions.

There’s no medical check up, just a few questions. We’ll ask you to answer them truthfully, so it may be a good idea to have a list of all of your pre-existing medical conditions from the past two years to hand.

The questions we ask about your allergies include:

  • Are you at risk of life-threatening allergic reactions?

Have you needed hospital treatment for life-threatening allergic reactions in the past 2 years?

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
  • Optional upgrades for cruise, golf and more
  • Excess £65

Will my European Health Insurance Card (EHIC) cover my allergies?

If you’re travelling in Europe, then you should definitely take an EHIC with you as it could help if you have a medical emergency related to your allergies or otherwise.

EHICs are free and entitle you to free or subsidised healthcare in most European countries that offer state-funded facilities.

It’s also a condition of our cover that you take an EHIC with you when travelling in Europe. If you do use your EHIC on holiday and still need to claim for medical expenses, then we’ll even remove our excess waiver so you’ll be able to recover the full amount.

It’s really important to understand that although the EHIC is great if you’re travelling in Europe, it’s not a substitute for good travel insurance. It won’t give you the added benefits of an insurance policy – such as cancellation cover or travel delays.

Tips for travelling with allergies

When you have a serious allergy, you’ll know how important it is to be prepared. Here are a few handy tips to help you get ready for your holiday so you can concentrate on all of the fun things you’re going to do!

  • Carry any adrenaline you use with you in your hand luggage, ready to cover an emergency attack
  • Always have an emergency plan and find out where you could get emergency treatment fast if needed
    Bring a letter from your doctor stating your allergy and your medical requirements
  • Wipe your seat down so that your skin doesn’t come into contact with any food particles that may have fallen on it and could cause an allergic reaction
  • Avoid airline food as it may contain something you are allergic to. Be safe and take your own with you instead
  • Be conscious of foreign food and inform restaurant staff of your allergies in no uncertain terms. It’s a good idea to carry with you a dietary note, explaining your restrictions in the language of the country you are visiting
  • If you have allergies to pollen, remember to bring plenty of medication with you to cover for delays as well. If you are travelling with someone else, consider separating your medication across your bags just in case one gets lost
  • If you are allergic to insects, as always avoid walking barefoot, and try not to drink from cans or bottles where insects might fly in. Don’t forget to wear insect repellent at all times.

Get your travel insurance quote to cover your allergies today

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

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*£15,000 cancellation available on Comprehensive policies subject to further underwriting criteria.

**5.04% of Annual Travel Insurance policy holders claimed on their insurance in 2017.