Getting the right travel insurance with diabetes

Having diabetes type 1 or type 2 doesn’t stop you having great holidays, so why should your travel insurance?

With our tailored policies, you can be protected properly.

That means you can soak up the sun, or enjoy a city-break, knowing that if something does go wrong, we’ll be here to help.

That’s one of the reasons why we’ve been voted as the Most Trusted Travel Insurance Provider for two years running by Moneywise in 2017 and 2018.

Get your tailored quote in minutes online, or talk to us on 0800 033 4902.

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Do I need to declare diabetes for my holiday insurance?

Did you know, that if you have a condition and don’t add it to your holiday insurance, that it could affect the chance of claims being accepted?

With 1 in 20 people claiming on their Annual Travel Insurance in 2017*, we’re here to give you peace of mind.

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 best to tell us.

When it comes to holiday insurance for diabetics, it’s worth doing right. Right?

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

For holidays and trips to Europe, it’s a condition of our insurance that you get an EHIC.

Having a free EHIC allows you to have subsidised or free healthcare in most European countries when using their state healthcare provider – like our NHS. It’s a good idea to check that your holiday destination is covered, as places like Monacco and Jersey do not accept EHIC.

EHIC also doesn’t cover other things that can go wrong, like having to cancel your holiday, Or having to pay for emergency medical transportation home.

What it can do, is help to reduce your potential medical costs where subsided healthcare is available. Using your EHIC isn’t a substitute for good travel insurance.

If you can use your EHIC and you’ve still had to pay a subsidised fee for healthcare, we’ll remove the excess fee for medical emergency claims.

Getting travel insurance for diabetes when you have other pre-existing medical conditions

As well as tailoring your quote to add diabetes type 1, type 2 or gestational, we also consider all other pre-existing medical conditions.

We believe in doing insurance the right way, so we ask a lot of questions about your conditions. We call it a medical screen.

This process also makes sure that we treat everybody fairly and equally.

So whether you have complications from diabetes such as high blood pressure or something unrelated such as allergies, asthma or eczema, it’s worth telling us about it.

We’ll go through what’s involved in the medical screen for diabetes below:

What will I be asked during the medical screen?

When applying for holiday insurance, we’ll ask a few questions about your diabetes and other conditions you have.

It’s nothing to be worried about, but we do need you to answer these questions honestly.

Giving a false answer could invalidate your policy. So it’s a good idea to make sure you have the answers to hand before you start.

Here’s a list of common questions we ask diabetics:

  • Is the person who has diabetes over 16?
  • Do you take medication for your diabetes?
  • How many unplanned hospital admissions you’ve had in the last two years?
  • Do you have high blood pressure or cholesterol and are you taking medication? You will also be asked which medication and whether it has been prescribed/dosage has been increased in the last six months
  • Do you have any of the following conditions relating to your diabetes?
  • Impairment of kidney function
  • Angina and/or heart attack and/or narrowed arteries of the heart
  • Peripheral vascular disease (causes poor blood supply to legs)
  • Leg or foot ulcers
  • Retinal (eye) damage
  • Nerve damage
  • Amputation of leg, foot or toe
  • Stroke and/or TIA (mini-stroke).

Once you’re ready, either start your quote online, or talk to us on 0800 033 4902.

Types of travel insurance policies we offer

We offer two types of insurance policy to suit you and your family’s travel plans:

Single Trip Travel Insurance is great for one-off holidays. From UK breaks to worldwide tours, our Single Trip policy has you covered. Once your holiday is over, your cover will stop too. You can even stay for up to 104 days at a time and add in multiple destinations.

Annual Travel Insurance can cover all of your trips in a year if you’re planning on going on more than one holiday. It can even save you up to £79** compared to buying a single policy for each trip you take. For under 70s, you can stay for up to 50 days in any one trip up to a total of 183 days. Although this can be extended up to 100 days for one trip for an additional premium.

All our policies can be tailored to suit your unique travel plans to make sure you’re covered properly.

Travelling for longer?

If the above two policies aren’t long enough to cover your travel plans, you’ll need one of our long stay policies. For under 65s, our long stay plan allows you to travel for up to 550 days – great to explore the world, or delve into a new culture!

Here’s a simple comparison between our two levels of cover – available on both Single Trip and Annual Travel Insurance policies.

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What are the features of Staysure’s travel insurance?

Basic Comprehensive
  • Medical emergencies and repatriation, up to £5m
  • Cancellation and cutting your holiday short covered up to £500
  • Baggage claims, up to £300
  • Cash lost or stolen, up to £250
  • Excess from £85-100
  • Medical emergency and repatriation, up to £10m
  • Cancellation and cutting your holiday short covered up to £5,000
  • Baggage loss, up to £2,500
  • Cash lost or stolen, up to £500
  • Legal protection cover of up to £25,000
  • Optional upgrades to cover for cruises, winter sports and golf
  • Excess of £65

Take a look at our policy documents for a more detailed look at the level of cover we offer.

What happens if you have to cancel your holiday, or cut it short because of something unforeseen relating to your diabetes?

Will your policy you’ve chosen cover the full cost of your trip?

It’s worth looking at the total cost of your holiday and opting for a level that will fully cover you. With both our basic and comprehensive level covers, we have options to upgrade to cover more of your holiday cost.

What if I need to find a health centre that I can trust?

Not knowing where your nearest health centre is while on holiday can be really worrying.

Which one can you trust? When you have a medical non-emergency and need to speak to a doctor, we’re on hand to help you find the right place to go.

You can call us 24 hours a day – which is particularly helpful when you’re in a different timezone!

We can also act as a translator between you and your doctor and medical team to make sure that nothing gets lost in translation.

Be fully covered with tailored travel insurance

Although being competitively priced is important, what’s more important is making sure that when you need us? We’re here to help.

If our basic level insurance will fully cover you? Then great. But if it won’t? Then you may want to think about tailoring your plan to boost your cover where it’s needed.

Or, for full peace of mind, choose our comprehensive cover. In most cases, it has all the bells and whistles you’ll need.

If you’re doing something extra special on holiday like a cruise? A round of golf? Or skiing? You can also upgrade to get extra cover for these sort of activities to make sure your plans are fully covered, when you take out our comprehensive cover.

To find out what cover we can provide you with, simply talk to us for free on 0800 033 4902 or get a quote online.

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How can I make changes to my policy?

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 after you’ve pre-booked your round of golf. If 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.

Get your travel insurance for diabetes today

Get a quote in minutes and tailor your quote for you and your family’s medical and travel needs today.

Call us on 0800 033 4902 or tailor your quote online.

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*5.04% of people claimed on their Annual Travel Insurance Policy in 2017.

**You could save up to £79 when you buy an Annual Multi-Trip policy instead of multiple Single Trip policies. Based on an adult couple, 50–64 taking one 5 day Barcelona break, one 2 week holiday in Turkey, one 8 day Winter Sports trip in France and one 4 day break in Dublin in a 12 month period on a Comprehensive European Annual Multi-Trip policy, travelling within 30 days of purchase.