Eczema Travel Insurance

If you have eczema, you will be well aware of the ongoing challenges for yourself and your family. It is important to be adequately insured should something unforeseen happen, not only when getting on with daily life but also if you are going on holiday.

As with all medical complaints, it is important to let your insurers know if you have eczema as this enables you to be covered properly for all eventualities when you go on your travels. To find out more, please call our holiday insurance specialists on 0800 033 4902 or get an online quote by clicking below.

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Why do I need travel insurance for eczema?

When you go on your summer holidays, especially if you are going to sunnier climes, there’s a possibility that you will be exposing your skin to an unfamiliar environment, bringing with it various potential allergens and irritants. In addition, water, food, sunlight, salt water, sun creams, stress, or even the journey itself could all bring challenges.

The thought of being ill on holiday is something we try to avoid, but should you require medical assistance due to your eczema, it is good to know you are covered for all eventualities, especially in a foreign country. In addition to health insurance, you can rest assured that your policy will also be covered for loss or theft of personal possessions, flight delays, legal costs and more.

Tips for travelling with eczema

  • Before you go away, ask your doctor for advice or even medication such as topical steroids to help keep your eczema at bay should it give you any problems
  • Remember your moisturiser cream or ointment when you pack to go on holiday. If you are going to a country where the climate is different from back home, this could trigger flare-ups like cracked or flaky skin, creating a perfect opportunity for more serious infections to take hold
  • By this, we of course mean non-alcoholic drinks – ideally water or fruit juices. Travelling can easily cause your body to be stressed and dehydrated, and if you go to a hot country, your body will lose more fluids than you are used to. The more hydrated you are, the better you will feel, so don’t forget to bring a bottle of water with you wherever you go
  • Extreme sunlight, humidity and cold temperatures can put you at risk of a flare-up, so pack items like hats, gloves and cotton clothing to protect your skin. As always, try to avoid wearing wool and synthetic fabrics as these are common causes of skin irritation
  • Irritants such as bleach, detergents and dust mites are among the many triggers that you could be exposed to on your holidays. Pack your own sheet with dust-mite protection to avoid contact with anything that may cause a flare-up
  • The National Health Service (NHS) advises all travellers to cover their holidays adequately. If travelling to Europe make sure you apply for a European Health Insurance Card (EHIC) for additional cover. To apply for a EHIC card call 0300 330 1350.

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Common questions about eczema travel insurance

  • Does eczema increase the price of my travel insurance policy?

    As with all medical conditions, eczema could represent an extra risk to the underwriters. Therefore, you need to declare your eczema and pay an extra premium if necessary. If not, you will not be adequately insured should you need to make a claim.
  • If the heat or other conditions aggravate my eczema and I have a flare up, will you cover me for treatment or medication when I’m away?

    Your policy covers you for emergency medical treatment only. Therefore your doctor would have to satisfy the underwriters that this is an emergency case and then we could cover the cost of your treatment and medication.

    We may also cover you if you have to see a GP. However, any claim over £350 must be authorised by us in the first instance. You will be required to inform us prior to your appointment and your treatment must be deemed as unforeseen and medically necessary.

  • Will the EHIC cover me for emergency medical treatment?

    The free European Health Insurance Card (EHIC) provides treatment on the same basis as ordinary citizens.

    Most insurance companies require you to use your EHIC at state hospitals and, in so doing, you will normally be exempt from paying the excess fee. Please bear in mind that if you don’t use your EHIC, your medical claim may well be denied.

    Remember that the EHIC is no substitute for travel insurance and we require you to have one, in addition to your Staysure policy, as advised by the National Health Service (NHS). Amongst other things, the EHIC will not cover the cost of any extra flights or accommodation you might need in an emergency, neither will it compensate you for repatriation, lost or stolen personal baggage, cancellation or curtailment – all things that a Staysure policy will often pay for.

Eczema Travel Insurance

Get a quote online for eczema travel insurance or call 0800 033 4902.

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