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.
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 could 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 abroad.
Declaring that you have asthma is especially important to declare at this time, as it can be a contributory factor in individuals getting a more severe for of Covid-19. If you are looking for insurance that covers Coronavirus do read our article covering Travel Insurance covering Covid-19
We have listed some of the companies on the left 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).
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.
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:
The price you pay for travel insurance with Asthmatic conditions can vary widely depending on the specific type or circumstances.
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.
Asthma travel insurance can be purchased in many ways. You can even get a quote for pre-existing Asthma 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 14/10/2020