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Can I get travel insurance if I have fibromyalgia?
We know that travelling with fibromyalgia means thinking about a few extra details – whether it’s getting around, managing pain, or making sure you’ll have access to healthcare if you need it. That’s where we come in.
As specialists in medical travel insurance, we can often provide cover for pre-existing conditions, including fibromyalgia. Just tell us about your condition(s) when you get a quote.
When you’re ready to explore, you can see the world at your own pace with the support of our award-winning policies.
Why get travel insurance for fibromyalgia with Staysure?
We’re specialists in covering medical conditions, including fibromyalgia.
Receive all the benefits of our award-winning travel policy, including luggage loss, cancellation cover and more.
We’re by your side day or night, with specialist medical advisors available 24/7 abroad during your trip.
Get cover for unlimited emergency medical expenses with no excess on our Signature policy
How Staysure fibromyalgia cover works in three easy steps
To get cover, you’ll need to declare your fibromyalgia and any other pre-existing conditions to us when getting a quote for travel insurance. We make it easy to tailor a quote to your trip and health.
1. Tell us about your trip
To get started, we’ll need to know:
if you need cover for one trip or multiple trips
who the insurance is for
where you’re going and how long for
2. Let us know about your fibromyalgia
Our simple medical screening helps us understand you better.
Some things we’ll ask include:
In the last two years, has your condition affected your daily life?
Have you had hospital admissions in the last 12 months?
Do you have any back or neck pain?
Don’t forget to let us know about any other pre-existing medical conditions.
3. Get your quote
If you complete the screening and we can cover you, your tailored quote will be available to view online and emailed to you. It includes travel insurance tailored to cover your condition(s).
Explore and choose from three levels of cover to suit your needs (as below).
Choose optional add-ons to tailor your quote to your trip, including winter sports or cruise plus benefits.
We understand the worry of an emergency abroad. We’re here 24/7 if you need to access a doctor or emergency care. Our Comprehensive and Signature policies cover you for unlimited medical expenses.
No matter where you are or the time of day, we’ll help get you in safe hands, locating your nearest appropriate services and covering the expense of getting there.
When you’re travelling with fibromyalgia, you want to know you’ve got everything you need. But it can be tricky to track down medicines abroad.
If you ever find yourself short while you're away, we’re here to help. We can assist you in locating a nearby pharmacy that stocks your medication, so you’re not left searching in an unfamiliar place.
Just so you know, the cost of replacing medication isn’t something we cover – but we’ll still do what we can to make the process easier.
If your health means you need to unexpectedly cancel or cut your trip abroad short, we’ll get you home safely without the extra expense. That includes travel to the airport, any medical assistance or accommodation you need en route, and cancellation costs up to the agreed amount of your cover level.
We’ll help with:
coordinating care with your medical team back home
arranging accommodation if you need to extend your stay
your transport arrangements, including travel to your local hospital if needed
rebooking flights and transfers
How much does travel insurance cost with fibromyalgia?
Having fibromyalgia shouldn’t have to mean paying the highest premium for travel insurance. Our offer is tailored to your individual circumstances and travel plans.
You can find out how much your tailored policy may cost in minutes with our simple medical screening when you get a quote.
For people who have trouble finding travel insurance for pre-existing medical conditions, the British Insurance Brokers' Association (BIBA) has a directory of specialist insurers, like us!
To find out more, or if on the odd occasion we are unable to provide the cover you need, contact BIBA on 0370 950 1790. You can also search BIBA's Medical directory online.
Flexible cover add-ons to suit you
Tailor your insurance to your trip with optional add-ons. Everything you need, covered under one policy.
Living with chronic pain can make something like a trip all the more special and important.
“Going on a trip can be a wonderful way to take the time away from the stresses of everyday life to reconnect with yourself – body and mind. With your doctor’s advice and some careful preparation in advance, going away can be a relaxing, comfortable, and enjoyable time even with fibromyalgia.
”
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Other conditions we cover at Staysure
We’re experts in travel insurance for pre-existing health conditions. Just let us know your conditions when you fill out your quote, or contact us to amend an existing policy.
Trips can be times of rest and relaxation which is especially important for those with fibromyalgia. Spending a little extra time to properly plan your trip can help you take it easy when away.
Pre-travel checklist for travelling with cancer
Have a talk with your GP to make sure you’re fit to travel, and for any helpful guidance on booking your trip such as suitable destinations and activities.
Refresh yourself on your up-to-date flare up action plan.
If you’re having talking therapies, let your counsellor know you’re travelling and ask for advice on managing your symptoms while away.
If you’re in physical therapy, consider asking your physiotherapist to change your programme to suit your trip or for general tips on staying active abroad.
Consider your destination – you may want to avoid cold climates or local cuisines that include a lot of your food triggers.
If you’re taking any medication, leave plenty of time to prepare enough for the whole trip with extra days in case of delays.
If you take medicines as a liquid, keep them in your hand luggage.
Make copies of your prescriptions to take with you through security.
Look up the local healthcare and emergency services in the area you’re going to and how to use them.
Call your travel agent or provider in advance to arrange any special assistance you’ll need such as a wheelchair, support getting on and off the plane, or help with bags.
If you’re travelling in Europe, get a GHIC – remember, this doesn’t replace travel insurance.
Certain medicines and equipment may need a signed doctor’s letter, which you can check with the embassy of the country you're going to. Some doctors may charge for this service. This isn't covered by travel insurance.
“Adding pre-existing conditions ensures you're fully protected in case of unexpected flare-ups or medical needs during your trip. Without proper cover, you could face significant out-of-pocket costs. Declaring these conditions gives you peace of mind and access to the care you might need while traveling.
”
Tips for travelling with fibromyalgia
You may be taking medication to manage your fibromyalgia.
It’s best to keep all your medication in its original packaging, along with copies of the prescription. You may also want to pack it in both your hand luggage and suitcase in case any baggage is lost or delayed.
Some medications need to be taken at the same time every day. If you’re travelling to a new time zone, speak to your nurse about adjusting your schedule to match the local time.
If you’re having talking therapies, talk to your counsellor about having your sessions online. You might find it helpful to keep up with your appointments even while travelling.
Part of living with fibromyalgia can be managing pain and sensitivity to temperature or new environments. You might want to consider packing:
lightweight, breathable walking shoes with a well-cushioned sole
loose-fitting comfortable cotton clothes
reusable hot packs or pads
a travel pillow or blanket
hand warmers, thermals, and plenty of layers if you’re travelling somewhere cold
protection including sunscreen, a wide-brimmed hat and bug spray if you’re travelling somewhere hot
a small self-care bag of things that offer you comfort such as your favourite book, scents, or colouring book
snacks that are safe for you to eat and can provide an energy boost throughout the day like nuts (double-check your travel provider’s rules, as some don’t allow certain foods)
a reusable water bottle – it’s easy to forget to stay hydrated when you’re on the go
You may find it easier and less stressful to pack light. It might also be a good idea to use a suitcase that you can push instead of pull.
For many people, new foods can cause an upset stomach. This can be especially troubling for people with fibromyalgia. Here are some things to keep in mind so you can make the most of the local cuisine:
Research before you go – what ingredients are commonly used in the local cuisine?
Look up restaurant menus in advance.
Bring snacks that are safe for you to eat so that you can keep your energy up between meals.
Consider getting cards listing your food triggers translated into the local language to show restaurant staff.
Going away is a great time to relax away from the stresses of everyday life. Everyone’s definition of relaxing is different. But here are some things you can do to help ease pain and fatigue while travelling:
Space things out – plan plenty of breaks between activities and don’t cram everything into one day.
Take the time to exercise – begin and end your day with some gentle stretches to ease muscle aches and joint pains.
Plan routes in advance and leave plenty of time for travel to avoid feeling rushed.
Book things – whether it’s a restaurant table, a cab ride, or a museum ticket, book in advance to avoid queues and stress.
If you’re flying, book an aisle seat so you can freely get up to stretch and move your body.
If you’re driving, ensure you get in plenty of rest stops so you’re not sitting still for too long.
Get a good night’s rest – it’s tempting to keep going when you’re on a trip but it’s important to give your body and mind enough time to rest and reset for the next day.
We’ve put together more travel tips for travelling with anxiety that you may also find helpful.
Having somewhere you can go back to every day to unwind and rest is a must when you’re travelling, especially if you have fibromyalgia.
It’s important to think about your needs before you book a place to stay. For example, if you have a wheelchair you may need somewhere with wide corridors.
Some things you may want to consider as you look:
Location – a place close to local amenities like restaurants and shops, or attractions would cut the need for travel down.
A room on the ground floor by reception, lift, or emergency exit for peace of mind.
Accessible amenities like adapted bathrooms or low beds.
Step-free access to public areas.
A microwave in your room for your hot packs or heated pads.
Access to air conditioning and heating.
A sleep in a comfortable, quiet and peaceful room away from busy main streets can help reduce feelings on anxiety, pain, and fatigue. Call hotels before you book so they can help you find a room that meets your needs.
Frequently asked questions
If you’ve had symptoms, tests, medications, treatment, or appointments for fibromyalgia in the last two years, you need to declare it on your policy.
For a valid policy, you’ll need to tell us about your fibromyalgia and any other pre-existing medical condition(s) you have.
If we don’t know about your conditions, we won’t be able to cover you if you need to make a claim.
If you want to find out more, have a chat with a friendly member of our support team over the phone at the following times:
Monday - Friday: 8.30am - 8pm
Saturday: 9am - 5.30pm
Sunday: 10am - 4pm
Car rides can be especially uncomfortable if you’ve got a chronic pain condition like fibromyalgia. Here are some things you might find helpful in easing discomfort and pain on car rides:
Sit in the passenger seat so you have ample leg room for gentle stretches and exercises like circling your ankles.
Plan plenty of rest stops so you can get up and move to get your circulation going and work out aches.
Stay hydrated – dehydration can worsen pain symptoms and cause headaches.
Use a pillow at your lower back for extra support.
Get plenty of rest before and after your journey – this can help with fatigue.
If your pain is especially difficult, you may want to talk to your doctor or physiotherapist before going on a long car ride. They’ll be able to offer you tailored advice for a more comfortable journey.
Flying can feel challenging when you’ve got fibromyalgia. There are steps you can take to make air travel more comfortable.
Consider a flight with stopovers – breaking up your journey will give you the chance to take a break and move about.
Book an aisle seat so you can easily get up and move your body.
Do simple exercises and stretches at your seat like pointing your toes and circling your shoulders.
Put your bag at your feet to raise your knees.
Bring a travel pillow, blanket, and heated pads for extra support and warmth as air cabins can be cold.
Occupy yourself – a good book, podcast, or colouring book can help pass the time quickly and soothe your anxiety.
Get plenty of rest before and after your flight – this can help with fatigue.
Some people with fibromyalgia find the cold agitates their symptoms and triggers pain. But everyone is different. You should always talk to your doctor for tailored advice about your condition and needs.
Here are some tips for managing colder climates when you’ve got fibromyalgia:
Wear lightweight, breathable clothes that you can layer.
Get thermal layers – these will keep you warm without making you feel overheated.
Use reusable hand warmers.
Stay active – it may be more difficult to find the motivation when it’s cold but gentle exercise and stretches can help reduce pain and stiffness.
In an emergency, contact the local emergency services first, and then call our 24-hour emergency helpline. Our team will help arrange your care, find the most appropriate place for treatment and follow-up care.
If you or someone on your policy is admitted to hospital or your outpatient treatment is likely to cost more than £350, contact us as soon as possible. Where you have a valid claim, and your medical expenses exceed £350 we will look to settle the bill directly with the medical provider where possible.
If you have a non-urgent medical concern, such as sickness, headaches, or mild pain, contact our helpline first for advice on where to go for assistance
As good as travel insurance is, some things can’t be covered.
You’re not covered for:
travelling against your doctor’s advice
claims for pre-existing medical conditions you haven’t told us about
routine check-ups, planned treatment or non-emergency care
travel for medical procedures abroad
reimbursement for lost, damaged or stolen medicines or equipment
incidents related to alcohol or controlled substances
strike action that was common knowledge at the time of booking
choosing private treatment when suitable public facilities are available
choosing not to travel
Discover more about what travel insurance covers. Always check your policy documents carefully to understand exactly what you’re covered for.
When comparing travel insurance policies for fibromyalgia, you’ll want to look out for what’s covered and what’s not.
The right travel insurance for fibromyalgia should:
agree to cover fibromyalgia and any other conditions you have
cover medical expenses, including necessary emergency travel home
have a high medical cover limit
help you replace lost, stolen or damaged medications
cover you for cancellations or interruptions during your trip
include 24/7 emergency assistance services abroad
Learn more about what’s covered under our medical insurance for pre-existing medical conditions, or get a quote.
Stay in control of your account with My Staysure
You can make changes to your policy, online and in your own time with My Staysure.
It’s quick and easy to make changes to your policy online. If you need to make simple changes such as updating traveller details or renewing a policy that’s details are staying the same, just visit your My Staysure account.
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