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Diabetes is a pre-existing condition for travel insurance so it’s important you let us know about your diabetes and any other pre-existing medical conditions you may have.
After all, if you have an exciting holiday planned, you’ll want your travel insurance to be just right. With tailored travel insurance for your diabetes, you can travel with peace of mind. We see that as the key to a happy holiday.
With 1 in 20 people claiming on their Annual Travel Insurance in 2018*, things go wrong on holiday more often than you might’ve realised. That’s why it’s really important to declare all conditions that you have – even if you think they aren’t important or that you won’t need to claim.
Whether you have type 1, type 2 or diabetes in pregnancy, it’s essential to declare your pre-existing medical condition on your travel insurance, so you can travel with confidence.
When it comes to holiday insurance for diabetics, it’s worth doing right.
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It’s important you declare your diabetes and any other pre-existing medical condition you may have, when taking out a policy with us.
You can declare your medical condition through our online medical screening process, which is a straightforward set of questions for us to understand how your medical conditions affect you. Or, if you prefer, you can complete the medical screening over the phone.
It’s important that all pre-existing conditions are declared on your medical travel insurance policy. This will avoid large medical bills if you need treatment in another country. Failure to disclose any pre-existing medical conditions may affect the validity of your policy should you need to claim.
| Basic | Comprehensive |
|---|---|
| Medical emergencies and repatriation | |
| Up to £5 million | Unlimited |
| Cancellation | |
| Up to £500 | Up to £5,000 |
| Cutting your holiday short | |
| Up to £500 | Up to £5,000 |
| Baggage claims | |
| Up to £300 | Up to £2,500 |
| Cash lost or stolen | |
| Up to £250 | Up to £500 |
| Personal liability | |
| - | Up to £2 million |
| Legal protection cover | |
| - | Up to £25,000 |
| End Supplier Failure | |
| - | £3,000 |
| Excess | |
| £85-£100 | £65 |
Tailor your policy to suit your needs. Not all holidays are created equal, so whether you’re hopping over to Paris for a weekend, or planning an epic worldwide tour, you’ll want to tailor your policy to cover you properly.
Before you take out a policy with us, it’s worth thinking about the areas where you might need to upgrade your level of cover.
| Basic | Comprehensive | |
|---|---|---|
| Medical emergencies and repatriation | Up to £5 million | Unlimited |
| Cancellation | Up to £500 | Up to £5,000 |
| Cutting your holiday short | Up to £500 | Up to £5,000 |
| Baggage claims | Up to £300 | Up to £2,500 |
| Cash lost or stolen | Up to £250 | Up to £500 |
| Personal liability | - | Up to £2 million |
| Legal protection cover | - | Up to £25,000 |
| End Supplier Failure | - | £3,000 |
| Excess | £85-£100 | £65 |
Tailor your policy to suit your needs. Not all holidays are created equal, so whether you’re hopping over to Paris for a weekend, or planning an epic worldwide tour, you’ll want to tailor your policy to cover you properly.
Before you take out a policy with us, it’s worth thinking about the areas where you might need to upgrade your level of cover.
Even if you don’t need to manage your Type 2 diabetes with medication, you still need to declare and cover it on your travel insurance as a pre-existing medical condition.
For holidays and trips to Europe (excluding Norway, Iceland, Liechtenstein and Switzerland), it’s a condition of our insurance that you take a GHIC or a valid EHIC with you.
Having a GHIC or valid EHIC entitles you to free or subsidised emergency healthcare in most European countries when using their state healthcare provider - like our NHS.
But a GHIC or EHIC doesn’t cover other things that can go wrong, like having to cancel your holiday or having to pay for medical transportation home. While a GHIC or EHIC helps to reduce your potential medical costs where subsidised healthcare is available, it doesn’t serve as a substitute for proper travel insurance.
If you can use your GHIC or EHIC and you’ve still had to pay a subsidised fee for healthcare, we’ll remove the excess fee for medical emergency claims.
Of course, every individual's medical circumstances vary, but the types of questions you can expect about diabetes include:
If something changes before you go on holiday, you’ll need to let us know.
Whether that change is updating us with your medical conditions, a change of medication, or adding optional extras. Where we can help, we will.
What we aren’t able to do is reduce coverage in return for a partial refund so please do check that you’re happy with the level of cover when you book.
Whenever you need us, our 24/7 claims team is here for you.
View claims information95%
of claims paid in 5 working days^* As provided by our underwriter
** Winner of the British Travel Awards 2016-2020
Based on more Trustpilot reviews than any other travel insurance provider.
