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Asthma Travel Insurance

Asthma Travel Insurance

With as many types of insurance policy as there are health problems Asthma travel insurance can normally be found at reasonable prices. Those who have Asthma in a mild form can find firms who do not charge any additional loading at all, although premiums tend to rise the more significant the form of asthma suffered.


Want to talk to someone regarding travel insurance covering Asthma?

JustTravelCover.com
  • No Age Limit Travel Insurance Comparison service
  • 5% voucher code (MAX5) for MoneyMaxim users - use online or on phone
  • Company can suggest the best policies dependent on the severity of your condition and other medical conditions
  • Get an instant quote online or call via Freephone number 0800 542 7166 (Mon-Fri 9am-8pm, Sat 9am-4pm, Sun: 10am-4pm)
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www.JustTravelCover.com

Insurance Choice
  • Broker offering 12+ insurers including Asthma specialists
  • Over 250 conditions covered without medical screening
  • Save time searching online - speak to an expert, call 0843 227 8231 (Mon-Fri 9am-5pm, Sat 9am-1pm) or get a quote online
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www.insurancechoice.co.uk

Travel Insurers who may be able to cover Asthma free for many travellers

Avanti Travel Insurance
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www.avantitravelinsurance.co.uk

Good to Go Travel Insurance
  • Specialist insurance for medical conditions
  • No age limit on Single Trip Policies (AMT limit 65)
  • Covers wide range of pre-existing medical conditions including Mental Health, Severe and Terminal Conditions
  • Asthma covered free for many mild sufferers
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www.goodtogoinsurance.com

Standard Travel Insurers providing cover for Asthmatics

Insure For Travel
  • Choice of cover options
  • Covers ages to 79 (74 for Annual policies)
  • Single trip policies to 122 days (30 days for over 70s)
  • Online screening for asthmatic conditions
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www.insurefortravel.com

Columbus Direct
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www.columbusdirect.com

Flexicover
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www.flexicover.com

Specialist Insurers offering travel insurance for Asthma sufferers

All Clear Travel
  • No age limit on Single Trip Policies (Annual Multi Trip limit 65)
  • Can cover almost any form of Asthma, any age or any destination
  • Can cover those with serious conditions
  • Can cover travelling companions
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www.AllClearTravel.co.uk

Staysure Travel Insurance
  • Single Trip age limit 86, Annual 81 and Long Stay 76 years old
  • Over 220 pre-existing medical conditions covered free
  • Travel Insurance for the over 50s with a medical condition
  • Long-stay policies, up to 550 days for under 65s
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www.staysure.co.uk

Asthma sufferers can find insurance whether they suffer from a mild or a more serious form of the condition. Asthma is triggered when a sufferer comes into contact with something that irritates their airways and causes the muscles around the walls of the airways to tighten. When travelling Asthma can be trickier to control as it can be more difficult to avoid situations that create the Asthma trigger.

Do I need to declare I am an Asthma sufferer?

We would not suggest travelling without adequate travel insurance for any pre existing medical condition - even when a condition is mild if an Asthma attack causes a more serious situation to develop you can face significant medical costs which may not be covered if your insurer considers the root cause was your Asthma. Medical costs abroad can be very expensive and without adequate insurance cover you can end up facing financial ruin if you suffer from a health-related problem while aboard.

We have listed some of the companies on the right which will cover your condition, including some who do not load premiums for mild sufferers (although this is dependent on other factors such as age and medical history).

Benefits of Asthma travel insurance

The main benefit of this type of insurance is that it allows travellers with Asthma to go abroad with peace of mind and without having to worry about extra medical costs in case something happens. With this service, Asthmatic holidaymakers are free to enjoy themselves as any other person on holiday does.

What are the requirements for Asthma travel insurance?

In order to make an accurate assessment of your risk, an insurance company will ask for your medical history in order to tailor the insurance to your specific case. Typical questions are the following:

  • Have you ever had a diagnosis made of chronic airways disease (eg chronic bronchitis or emphysema)?
  • How old were you when this diagnosis was made?
  • How many medicines do you take for your Asthma (count each inhaler as one medicine)?
  • Do you use nebulisers as part of routine maintenance of Asthma control?
  • How many hospital admissions have you had for your Asthma in the last year?
  • Have you been treated for Asthma in an intensive care unit in the last five years?
  • Can you always walk 200yds on the flat without becoming short of breath?
  • Have you ever been prescribed oxygen for use at home?
  • Have you ever been a smoker?

The price you pay for travel insurance with Asthmatic conditions can vary widely depending on the specific type or circumstances.

Tips for finding the best Asthma travel insurance

Something to bear in mind when looking for relevant travel insurance to cover a specific health condition is to remember that you should always tell the truth when making an application for insurance. If you do not reveal your full state of health and make a claim on your insurance at a later date, it could be invalid and you'd be left to cover full medical and repatriation costs back to the UK.

Where can I purchase Asthma travel insurance?

Asthma travel insurance can be purchased in many ways. You can even get a quote for pre-existing Asthma travel insurance or for Asthmatic people's travel insurance online or over the telephone. These days there are numerous platforms available, so purchasing travel insurance when in bad health can be solved within minutes.

This content was last reviewed on 08/08/2013