Diabetes travel insurance
If you have diabetes, you may have noticed how difficult or expensive purchasing travel insurance can be. You’ll be pleased to know that Staysure considers all medical conditions when providing travel insurance quotes and our simple medical screening process can be completed online or over the phone.
For a free quote today, contact our specialists on 0844 692 8444^ who will gladly help you find the best options to suit you, or click below for an online quote.
Why do I need travel insurance for diabetes?
Adequate travel insurance on your holiday is essential, especially if you have an illness such as diabetes that could leave you with unwanted bills if you fall ill while you are away.
Travel insurance for diabetes is not expensive – often the cost of a simple meal while you’re on holiday. Even our most basic policies provide vital cover whatever happens, whether it is loss of personal items, emergency hospital treatment or repatriation.
We can also offer you more comprehensive cover to insure you against many other eventualities, including personal liability; in fact, we will even tailor-make our policies to make sure we cater for your exact needs, including replacement of lost medications. With the right diabetes travel insurance in place, you can go on holiday, safe in the knowledge that you have everything covered.
Be aware that, if you take out travel insurance that does not fully cover your medical conditions, this may result in your claim being rejected. Therefore it is always in your best interest to fully disclose any medical conditions you may have when you take out your policy.
What will I be asked during the screening process?
When applying for travel insurance, you’ll need to complete a short medical screening questionnaire where you’ll be asked few questions about your diabetes including:
- Do you take insulin
- How many (if any) 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).
Tips for travelling with diabetes
Travelling with diabetes takes careful planning to avoid unnecessary hassle should you run short of insulin or other medications while you are away. If you suffer from insulin-dependent diabetes (commonly called Type 1 diabetes), you will need to take into consideration the following:
- In the UK, we use insulin strength U-100, as do many other countries
- In some other countries the insulin strength may be U-40 or U-80
- Syringes vary according to the strength of the insulin you are taking. As it is not safe to interchange these syringes, it’s important to use the right syringe for the insulin strength you need
- As it is never good to freeze insulin, when travelling by air insulin should always be carried in your hand luggage
- Don’t forget to bring extra medication to cover any delays you might experience while travelling
- Take with you extra blood glucose testing strips to help you keep a close eye on your blood glucose levels – these could be affected in different ways while you are on holiday
- Order spare insulin about three weeks before you travel and take it with you to cover the time you will be away and the time it will take to obtain more when you return home
- Keep all your medical supplies with you in your hand luggage to avoid loss or delays. Diabetes.co.uk gives a useful checklist for travellers with diabetes.
How to pack a diabetes travel kit
Common questions about diabetes travel insurance
Would you cover the cancellation of my holiday if I suddenly couldn’t go due to my diabetes?
- If you have purchased our Comprehensive policy or our Basic policy with the added cancellation and curtailment cover options, then yes you would be covered should a medical emergency prevent you from travelling. You must have declared any pre-existing medical conditions to us beforehand and they will have to have been accepted by our underwriters.
Can I get replacement medicines if they are stolen or lost while I am away?
- Yes, by purchasing our Comprehensive cover we are able to help by sourcing and delivering any medications, syringes and insulin that may go missing while you are away. Keep a careful note of the medications and dosages you take as this will make it quicker and easier to arrange for replacements should you need them.
What if I need medical attention and the doctors don’t speak English?
- Our 24-hour assistance team consists of trained experts who are on the end of the phone to help in any language should you find yourself unable to communicate. They will liaise with doctors and medical staff to ensure you get all the care you need.
Can you take insulin needles on a plane?
- Yes, provided you notify the airline and have a letter from your doctor to prove you are a diabetes patient in need of the equipment during your travels.
Can you fly with diabetes?
- Yes, however a bit of planning is required when it comes to medication as flying with insulin needles and medication, pumps or glucose monitors can be difficult. Consult your doctor before your travel and contact the airline, airport and any device manufacturers for advice about travel and going through airport security.
I have type 1 diabetes. Will you still cover me for my holidays?
- You will need to complete our online medical screening process and declare any pre-existing medical conditions, before we can come up with an accurate quote. If your doctor gives you the all clear to travel and our underwriters agree to cover, we could offer you the cover you need for your holidays.
My diabetes is stable and I already have a European Health Insurance Card (EHIC), is it necessary to get travel insurance?
- Although it’s not a legal requirement to purchase travel insurance for diabetes, you are certainly taking an unnecessary risk if you go without it. The free EHIC should cover any emergency medical treatment in the EU, but it will not cover you for extra accommodation or missed flights due to illness. Our Comprehensive policies will also fly your grandchildren home to the UK with a competent adult, should you end up in hospital.
Diabetes Travel Insurance
Apply for a diabetes travel insurance quote online or call our travel insurance specialists on 0844 692 8444^.
All travel insurance provided by Staysure is subject to agreement from our underwriter. Terms and conditions apply, details of which can be found within the Policy Document.