Diabetic Travel Insurance – Everything You Need to Know – Forbes Advisor UK

As soon as you have booked a vacation, purchasing the right travel insurance is essential. But if you have a pre-existing condition, such as diabetes, finding a travel insurance policy can be more expensive and less straightforward.

Here is a summary of what you need to know.

What is diabetes travel insurance?

When you buy travel insurance, you are asked a number of questions about your state of health.

Whether you have type 1 diabetes, type 2 diabetes, pregnancy diabetes, or even pre-diabetes, it’s important to report it. If it turns out that you have been dishonest or that you withheld medical information, your policy may be considered invalid.

When you report your condition on a standard travel insurance policy, the policy may not cover the costs associated with it. Other policies may cover illness but charge a high premium.

In that case, a specialized policy designed to cover pre-existing conditions like diabetes might be your best bet.

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Do i need diabetes travel insurance?

While you don’t need to purchase specialized travel insurance for diabetics, having the right policy for your condition could prove invaluable if something goes wrong.

A specialized policy may cover loss or replacement of your insulin, for example, while a standard policy would not. And if you travel on a standard policy without comprehensive diabetes medical coverage, you could end up with a tempting medical bill.

You can compare the policies for your state on a comparison website. But if you’re having trouble finding a policy because of your diabetes, or if the premium seems too high, Money Advice offers you a specialized directory travel insurance providers who offer insurance for serious medical conditions. The British Insurance Brokers’ Association also has a directory of specialized companies.

What will I be asked about my diabetes during the medical screening?

When you take out a new travel insurance policy, you will be asked a number of questions about your health. These could include:

  • Whether you are taking medication for your diabetes
  • How many times have you been unexpectedly hospitalized in the past few years
  • If you have other conditions related to your diabetes
  • Whether you have high blood pressure or high cholesterol.

Regardless of your health, you will need to answer honestly, otherwise you risk voiding your insurance.

What should diabetes travel insurance cover?

One of the most important elements of a travel insurance policy is the level of medical coverage it provides, as overseas medical bills can be extremely high.

According to the Association of British Insurers (ABI), a medical bill in 2020 cost a total of £ 124,000 to cover a month of private medical treatment in Spain following a fall and emergency repatriation to UK.

To properly cover medical costs, look for policies with at least £ 5million medical coverage. And make sure repatriation (bringing you back to the UK after a medical emergency) is included.

Comprehensive travel insurance policies should also cover:

  • Cancellation and reduction – this will cover you if you need to cancel or shorten your vacation due to unforeseen circumstances
  • Luggage and personal effects – if your property is lost, stolen, damaged or destroyed
  • Personal responsibility – to cover you if you accidentally injure someone or cause damage to their property while you are away.

Also consider the level of Covid coverage of any policy offerings. Our best Covid 19 travel insurance policies have more information.

Also be aware that unless you take out a specialized policy, your travel insurance may be void if you travel against the advice of the Foreign, Commonwealth & Development Office (FCDO).

What should I bring for my trip if I have diabetes?

Along with travel insurance, diabetes also requires a bit more planning when it comes to packaging. Carry the following in your carry-on baggage (you will need a letter from your doctor, in case you are stopped at security):

  • Short- and long-acting insulin
  • Insulin delivery device such as a pen or an insulin pump
  • Replacement pen and needles
  • Insulin storage wallet with cooling
  • Blood glucose meter, with spare batteries and test / disposal kit
  • Plenty of blood sugar test strips to last the trip
  • Medical alert identification
  • ICE (emergency) number (save it in your phone)
  • General practitioner contact details
  • Letter from your doctor
  • Copy of diabetes prescriptions
  • Emergency kit
  • Snacks for your trip in case of delay

You can find more information about this as well as other useful information about traveling with diabetes at Diabetes.fr.

I have a GHIC – do I still need travel insurance?

The Global Health Insurance Card (GHIC) has replaced the EHIC and gives you access to public health care at the same price as a local when you travel in Europe (excluding Norway, Iceland, Liechtenstein or Switzerland).

It will either be at a reduced cost or sometimes free.

Some travel insurance providers may require you to have a GHIC as a condition of purchasing your policy, while others may waive the deductible for emergency medical claims if you have one.

However, GHICs are not a substitute for travel insurance as they do not cover you for costs such as an unexpected cancellation while approaching a trip or loss of property.

Additionally, the card will not protect you against all medical costs such as repatriation if you have to return home due to a medical emergency, whether or not it is related to your diabetes.

How can I reduce the cost of my travel insurance?

In addition to pre-existing conditions like diabetes, the price of a travel insurance premium is calculated using factors such as your age, where you are going and the length of your trip.

However, the price offered to you can vary widely from vendor to vendor, so it’s a good practice to shop around and compare what’s on offer.

However, the best value for money doesn’t necessarily mean the cheapest. Fiscal policies may not provide adequate protection for your needs.

Instead, along with the price, compare claim limits, excess amounts, and what items you’re covered for side by side.

Diabetes isn’t a reason not to travel, but it’s even more important that you have the right policy in your pocket when you do.

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About Nancy Owens

Nancy Owens

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