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COPD travel insurance

Chronic obstructive pulmonary disease (COPD) is a general term which covers many persistent conditions affecting the lungs like chronic bronchitis and emphysema. There are approximately three million people in the UK with COPD. There are as many types of insurance policy as there are health problems and fortunately COPD travel insurance is possible to find at normally reasonable prices.

COPD sufferers can find insurance whether they suffer from a mild or a more severe form of the condition.

Do I need to declare I have Chronic Obstructive Pulmonary Disease?

We would not suggest travelling without adequate travel insurance for any pre existing medical condition - even when a condition is mild. An undeclared condition could lead to problems if you need to claim. Chest infections are more common if you have COPD and can have more serious consequences. If a more serious situation develops you can face significant medical costs which may not be covered if your insurer considers the root cause was your COPD and you didn't tell them. 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 COPD travel insurance

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

If possible, try to use the same company to provide travel insurance for the whole party. If you have separate travel insurance policies and have to cancel because your travelling companion with COPD had to cancel, your travel insurance company may not pay out. If you are in this situation and are unable to get cover on the same policy discus this with all travel insurers involved.

What are the requirements for COPD 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 long ago was the date of onset of your breathing problems?
How many medicines do you take for your respiratory condition (count each inhaler as one medicine)?
How many hospital admissions have you had for your respiratory condition in the last year?
Have you needed treatment in an intensive care unit for this condition?
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 / how long ago did you stop?

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

Tips for finding the best COPD 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 COPD travel insurance?

COPD travel insurance can be purchased in many ways. You can even get a quote for pre-existing COPD 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.

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Travel Insurance - 65+

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Travel Insurance for the under 18s travelling on their own

COPD Travel Insurance

Want to talk to someone regarding travel insurance covering COPD?


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 of the severity of your condition and other medical conditions
Call friendly Freephone no 0800 542 7166 (M-F: 9am-8pm, Sat 9-4, Sun 10-4) or get a quote online

insurancechoice medical condition travel insurance
Broker offering 12+ insurers including COPD 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 9-1) or get a quote online

Standard Travel Insurers providing cover for COPD sufferers

insure for you
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 COPD

Columbus Direct
Travel insurance covering COPD for ages to 99 (Single Trip online) or 74 (AMT)
As well as the standard 10% discount for booking online, moneymaxim users can save an additional 2% on single trip and 5% on annual policies using our link.
Optional cover for Natural Disasters incl. Volcanic Eruptions

Covers children travelling on own
10% off Travel Insurance policies using a voucher code - click for further information
Single trip and annual policies available up to 85 y.o.
Travel Insurance with simple screening for COPD.

Specialist Insurers offering travel insurance for COPD sufferers

avanti travel insurance
Cruise cover included free
Covers ages to 85 (75 for Annual policies)
Specialists in over 50's Travel Insurance
Wide range of COPD severity levels covered

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 & Terminal Conditions
COPD covered free for many mild sufferers

All Clear Travel
No age limit on Single Trip Policies (AMT limit 65)
Can cover almost any form of COPD, any age or any destination
Can cover those with very serious conditions
Can cover travelling companions

Staysure 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

This information is based on journalistic investigation and research. It is not financial advice. Any information should be considered in regard to specific circumstances. Any suggestions followed up are done so at your own risk and your own research is key. Prices and features were checked and correct as at 29th April 2014.