There are many people in the UK who might feel that the medical problems such as diabetes are holding them back from going on the holiday of their dreams. Even more upsetting can be the thought that people cannot afford to visit family abroad because of expensive travel insurance premiums charged against an existing medical problem such as diabetes.
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.
There are numerous and different options to help you choose the right travel insurance and the best diabetes travel insurance in the market today. The good thing about travelling abroad when you are fully insured, but perhaps worried about a medical condition, is that you can relax and unwind while away without having to worry about issues such as whether or not you are covered should anything happen.
With diabetes there are many insurers who will cover type 2 diabetes without increasing their standard premium, and perhaps without even requiring medical screening. However this is normally subject to certain criteria being met, so do check you meet the requirements fully.
Diabetes travel insurance can be purchased in many ways. You can even get a quote diabetes travel insurance online or over the telephone. These days there are numerous platforms available, so purchasing travel insurance when in bad health is a procedure that can be solved within minutes.
We do recommend however running a number of quotations for diabetes travel insurance - companies do try to entice customers in with discounts, savings, or 'no loading' offers, but we also see those who do not make such bold marketing statements offer equally good or better cover for less. It is very difficult to measure the value of a 15% off promotion when the base price is subject to so many variances, especially when medical conditions such as diabetes are concerned!
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. The price you pay for travel insurance with medical conditions can vary widely depending on the specific type of illness or circumstances.
Do remember that if another member of your party has diabetes, that your cancellation cover may not be applicable if you have to cancel if your insurer is not aware of your travelling companions condition. If you are in this situation and you are unable to be all insured on the same policy discuss this with all travel insurers involved.
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 you 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.
VoyageMD is a very useful free access website for people living with diabetes (or those travelling with them) and who are planning to long haul trips. There is plenty of practical information for the travellers with diabetes including:
Our panel of travel insurers can help those looking for travel insurance covering almost all types of diabetes and complications which occur as a result of diabetes, as long as your doctor is happy for you to travel. These include:
This content was last reviewed on 07/09/2015