Diabete: Which Travel Insurance?
verified information
Information verified by Adeline Harmant
Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.
Discover the methodologyDo you have (or have you had) diabete and would like to get travel insurance for your coming trip in case you face medical expenses abroad?
Travel insurance that covers diabete treatment can be hard to find or very expensive. But you’ve come to the right place.
In this guide, we will explain everything you need to know about diabete travel insurance: is diabete travel insurance compulsory? What specific medical cover should you get if you have or have had diabete? What are the best diabete travel insurance companies and how much will you pay? Let’s dive in!
Why do I need travel insurance if I have (or have had) diabete?
Travel insurance for diabete patients is not compulsory.
However, you should know that your national healthcare cover, your European Health Insurance Card (if you are travelling in Europe), your credit card travel insurance or any other kind of assistance you would have as a country resident or citizen, may not be sufficient to cover any medical expenses you may have abroad.
Some countries may ask for valid proof of travel insurance to deliver visas, whether you have pre-existing medical conditions or not.
Much more than a nice-to-have, travel insurance is one of the highest value-for-money insurance products, especially for people with diabete.
A recent study from Which has shown that in around 10000 UK travellers in 2018, 64% of them have already had medical treatment while travelling abroad. The average spend of medical care abroad is around £1300. But it can be much more.
Whether you are diagnosed with a Type 1 or Type 2 diabete, you may face specific medical expenses abroad due to your medical condition. As a diabete sufferer, you may especially face expenses such as:
| What if... | What you will pay without travel insurance (outside Europe) | What you will pay without travel insurance (in Europe with EHIC card) | What you will pay with travel insurance |
|---|---|---|---|
| My trip is cancelled due to an unexpected medical appointment for diabete | £10,000 | £10,000 | £0 up to trip cancellation limit (minus excess) |
| I need specific diabete treatment abroad (injectable insulin treatments etc.) | £30,000 | £0 | £0 up to medical compensation limit (minus excess) |
| I need to be repatriated to the UK for specific diabete treatment | £100,000 | £30,000 | £0 up to repatriation compensation limit (minus excess) |
Travelling in Europe, what does my European Health Insurance Card cover?
As a current or former diabete sufferer, always remember that while travelling in Europe, your first ally is your EHIC card. Your EHIC card will cover for any treatment you may need abroad, including any treatment linked to a pre-existing diabete.
| What is covered by EHIC? | What is not covered by EHIC |
|---|---|
|
|
Remember that your EHIC will only cover you until 31/12/2020, the time of Brexit. Make sure you have both EHIC and travel insurance before travelling. Many insurers will ask you to get your EHIC if travelling in Europe, and would waive the excess if you have a valid card with you.
If you are going to Australia or New Zealand, the UK also has specific healthcare system cooperation programs.
For any specific information on the European Health Insurance Card, check out the NHS website.
Can I easily get travel insurance with or after diabete?
If you have been diagnosed with diabete, whether you are in remission or not, you may find it difficult to find cheap diabete travel insurance that will cover you for your trip without major exclusions.
Getting travel insurance after diabete can indeed be very time-consuming and you could end up paying three or four times the price people without a medical history would pay for a standard cover policy.
Unfortunately, insurers will see you as being at higher risk of making a claim such as:
- Cancelling your trip for reasons due to diabete, such as an important medical appointment being postponed
- Needing expensive medical treatment linked to your diabete while travelling abroad
- Needing repatriation to the UK.
We all agree that this is unfair, especially, for example, if you are in a very stable condition. But don’t worry, some insurers – fortunately – have agreed to cover people at higher risk. You could get travel insurance post diabete either through:
- Companies that will provide you with standard cover as they would do for any other tourist, but may invalidate any claim due to your treated diabete (if you are sure about your recovery and only need cover for a few days trip, for example);
- Or specialised travel insurance for diabete sufferers (or other existing medical conditions).
We are here to help you find the best and cheapest travel insurance after diabete surgery depending on your current medical condition, your age, the length and destination of your trip, etc.
What are the best travel insurance policies for diabete patients?
You will find below a list of specialist travel insurance policies for diabete patients – as well as for those with other pre-existing medical conditions – who will provide you with good cover and dedicated assistance.
| Travel insurer | Price | Features |
|---|---|---|
 | £13,18 |
|
 | £14,24 |
|
 | £14,78 |
|
 | £15,56 |
|
 | £16,12 |
|
 | £18,27 |
|
 | £21,43 |
|
 | £25,99 |
|
 | £26,32 |
|
 | £28,44 |
|
 | £29,18 |
|
 | £33,27 |
|
 | £39,18 |
|
All the above insurers are specialists in covering pre-existing medical conditions. Unless it is clearly mentioned in the features, they all use the Verisk screening system and apply a change in health disclosure in their policy which will allow them to inflate premiums and change or cancel your travel insurance policy if an unexpected event related to your healthcare occurs before your trip.
Find out more cheap travel insurance for diabete with our 100% anonymous tool.
Do I need to declare diabete for travel insurance?
You are required by law to declare any pre-existing medical condition when purchasing an insurance policy.
A pre-existing medical condition is typically one for which you have been diagnosed and have received treatment before you apply for any travel insurance policy, regardless of whether this is short- or long-term.
Therefore, diabete counts as a pre-existing medical condition. You are therefore required to declare your diabete to your insurer, whether you are in remission or not.
Good to know
Not disclosing your diabete could invalidate your claim as well as your entire travel insurance policy.
How does diabete screening for travel insurance work?
If you have diabete, or any pre-medical condition, you are more likely to be screened before applying for a policy.
On insurers’ websites, you’ll be asked to answer a set of questions administered most of the time by the Verisk medical screening system before getting quote results. Some insurers may have their own set of questions and may attribute their risk rating based on your answers.
Do you have or have you had diabete? Here is the list of questions you will most probably be asked to answer when purchasing travel insurance covering diabete:
| Screening questions | Answer |
|---|---|
| Lead traveller’s medical condition | diabete |
How old is the person with this condition? | 16 or younger |
Do you take insulin for your diabetes? | Yes |
How many unplanned hospital admissions have you had for diabetes in the last two years? | None |
Have you ever been a smoker? | No |
Do you have (or have you had) any of the following medical conditions? | Impairment of kidney function |
Have you been advised to take medication for high blood pressure? | Yes |
Have you been advised to take medication to lower your cholesterol? | Yes |
The below list of screening questions is not exhaustive and may vary depending on your specific answer to each of the question.
Those questions are the most common ones you may find on insurer's websites. In the case that there is no screening system on an insurer’s website, you will need to disclose any health condition by contacting your insurer directly.
How much is diabete travel insurance?
Here are some indicative quotes for single trip and annual travel insurance for diabete patients:
| 7 days’ trip to Europe* | |
|---|---|
| 18-35 years old | £9,50 |
| 36-55 years old | £11,68 |
| 56+ | £23,36 |
*Quotes above are only indicative and for diabete with no recent complications.
It is quite difficult to give precise ranges of how much diabete care travel insurance is. Prices are based on a wide range of criteria and will not only depend on your pre-existing medical condition, but also:
- Your age and destination
- If you’re going for a single or annual multi-trip, as mentioned above
- If you’re subscribing to upgrades such as cruise, business or gadget cover
- The length of your stay abroad
- If you’re travelling alone, with your partner, a group or your family
- The financial limits you’d like to get in case of a claim
- The excess amount you’re willing to pay
- What you will be doing abroad (e.g. winter or extreme sports).
What is usually covered by diabete travel insurance?
Insurers covering a pre-existing medical condition such as diabete often provide a high compensation amount for trip cancellation, medical expenses and repatriation.
Here is a typical list of what you should pay attention to while applying for diabete travel insurance cover:
| Compensation | Average | What you should pay attention to |
|---|---|---|
| Medical expenses compensation amount | From £5M to £10M depending on your medical situation and your destination |
|
| Repatriation compensation amount | Real fees |
|
| Trip cancellation | £5000 - £10000 depending on your destination |
|
Besides compensation limits, you should also go for a company including specific healthcare upgrades as standard such as:
- Bespoke medical screening before applying for travel insurance: the possibility to easily talk to someone and find the right cover for your needs (especially for terminal illness)
- UK-based 24/7 assistance helpline while you’re abroad: dedicated free-of-charge landline to get healthcare advice and help in finding the right doctor or hospital abroad, reactive assistance, etc.
If you are about to make a medical claim while you are abroad, we advise you to get your insurer to accept it first and pay upfront. In the case you need to pay up front, always keep receipts and submit your claim as soon as possible.
What is not covered by diabete travel insurance?
That will vary from one insurer to another.
Besides the main exclusions usually found in insurers’ policy booklets (terrorism, strikes, natural disasters, claims related to drug, alcohol, etc.), regarding pre-existing travel insurance, your claim may be invalidated:
- If you are travelling without your doctor’s consent
- If you have been told you have a terminal illness and you have applied for travel insurance without saying so
- If you are waiting for a diagnosis or medical treatment at the time of applying.
Does travel insurance cover terminal diabete?
As said above, most insurers will not cover any terminal illness diagnosed, and therefore won’t cover incurable diabete.
However, we’ve come up with a list of companies still offering cover for people with terminal diabete depending on the length and destination of your trip, the stability of your medical condition and your doctor’s consent:
| Insurer | Covers terminal cancer |
|---|---|
 | yes |
 | yes |
 | yes |
 | yes |
 | yes |
 | yes |
 | yes |
 | yes |
 | yes |
Most of the time, insurance companies will still ask you a minimum duration between your prognosis and your return travel date. You should also know that no insurer will cover you for your trip against your doctor’s consent.
What if I am diagnosed with diabete after having applied for travel insurance?
When it comes to medical condition travel insurance, insurers often add an ‘ongoing duty of disclosure’.
It basically means that if any important change related to your healthcare occurs after you applied for travel insurance policy, they have the right to either:
- Screen you again;
- Raise your premiums;
- Change your policy contract;
- Cancel your policy.
Most of the time, if your health condition changes, insurers will either:
- Provide you with new travel insurance for your new health condition with an additional fee;
- Provide you the same insurance but the new condition will be excluded;
- Or simply offer no cover, as they consider your condition too risky.
Ask for a pro rata refund or full refund if they cancel or change your policy before you make any claim.
Can you travel abroad with diabete?
The short answer is yes, of course.
However, here are some tips we would advise you to carefully read:
- Get your doctor’s consent and advice before travelling with past or current diabete.
- Get any vaccinations needed.
- Get the right diabete travel insurance for your trip, covering treatment linked to your disease and any medical care you may need abroad, and carefully read your policy booklet (exclusions, limits and deductible amounts, etc.)
- If you are not in remission, be sure that the trip will not be too much effort and not too tiring for your medical condition.
- Remain prudent and take with you your doctor’s phone numbers and local emergency contact details. If possible, travel with someone.
- Make a list of needed medication and keep them in their original packaging (for customs) and store them safely. Prepare back-up meds.
Top 5 tips to get cheaper travel insurance quotes for diabete victims
If you have or ever had diabete, here are some tips you may like to use to lower your insurance premiums:
- Use our comparison table to find out which companies are the best and the cheapest for diabete patients.
- Take your phone and try to speak to humans! If you have someone on the phone, they are more likely to understand your diabete medical situation and find you the appropriate cover.
- Go for single trip cover rather than annual multi-trip. You’ll be seen as a lower risk traveller as you will only need cover for a defined stay.
- Change your destination and opt for European trip rather than a roadtrip across the USA’s legendary Route 66! You’ll be less likely to make a very high medical care claim, which could see your premium go down.
- Benefit from a joint travel policy discount, insuring both your partner or family and yourself.
