Travel Insurance For Diabetes

Travel Insurance For Diabetes – The consultant’s editing is independent and objective. We receive payment from companies that advertise on Advisor to support our reporting and provide this content to our readers for free. This comes from two main sources.

First, we offer paid placements for advertisers to display their offers. Payments for these placements affect how and where advertisers’ offers appear on the site. This site does not cover all companies or products available on the market.

Travel Insurance For Diabetes

 

Second, we also include links to advertiser offers in some articles. These “affiliate links” may generate revenue for our site when you click on them. Compensation from advertisers does not affect the recommendations or advice our editors provide in our articles or otherwise influence the editorial content of Advisor.

Best Travel & Holiday Medical Insurance For Type 1 & 2 Diabetics

Although we work hard to provide accurate and up-to-date information at the time of publication that we believe to be relevant to you, the Consultant does not and cannot guarantee that any information provided is complete and makes no representations or warranties in relation to it or its accuracy. or applicability. Always check with the product supplier to ensure that the information provided is the most current.

Editor’s Note: The consultant may earn a commission from sales made through the affiliate links on this page, but this does not affect the opinions or ratings of our editors. We provide investment and savings information, but we do not provide advice or personal recommendations. If you are unsure whether an investment is right for you or which investments are right for you, consult a licensed financial advisor.

Once you’ve booked your holiday, good travel insurance is a must. However, if you have a medical condition such as diabetes, finding a travel insurance policy can be more expensive and easier.

According to the charity Diabetes UK, more than 4.3 million people in the UK are living with diabetes. If you’re one of them and you’re looking for travel insurance, here’s a rundown of what you need to know.

How To Manage Diabetes During Air Travel

When you take out travel insurance, you will be asked a number of questions about your health. And whether you have type 1 diabetes, type 2 diabetes, gestational diabetes or even prediabetes, it’s important to let them know. If you are found to be dishonest or withhold medical information, your policy may be voided.

If you declare your condition under a standard travel insurance policy, it may not cover the resulting costs. Other policies may cover the condition but charge a large premium.

In this case, a specialist policy designed to cover pre-existing conditions such as diabetes may be your best bet.

While you don’t need to take out special diabetes travel insurance, having a policy tailored to your situation can be invaluable if something goes wrong.

Schengen Visa Travel Insurance Why Schengen Consulate Needs It?

A specialist policy may cover, for example, the loss or replacement of your insulin, while a standard policy does not. And if you’re traveling on a standard policy without full diabetes health insurance, you could end up with an eye-opening medical bill.

According to insurer Staysure, the average cost of medical claims on travel insurance is around £1,650. But claims can run into tens of thousands of pounds. This means that a quality policy can be invaluable.

You can compare policies for your situation on a comparison site. But if you’re struggling to find a policy because of diabetes, or the premium seems too high, the Financial Advice Service offers an expert guide to travel insurance providers that offer cover for critical illness.

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

Medical Travel Insurance

Regardless of your medical condition, you must answer honestly or risk having your insurance cancelled.

One of the most important elements of a travel insurance policy is the level of medical cover it provides, as medical bills abroad can be incredibly high.

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

 

Look for policies with a medical cover of at least £5 million to cover your medical expenses adequately. Make sure repatriation (getting you back to the UK after a medical emergency) is included.

Visitors Insurance Plans: Travel Insurance For Visitors

In addition to travel insurance, diabetes requires a little more advance planning when packing. Bring the following items in your hand luggage (you will need a letter from your doctor in case you are stopped at security):

The Global Health Insurance Card (GHIC), which replaced the EHIC, provides access to national healthcare at the same price as local when traveling in Europe (except Norway, Iceland, Liechtenstein or Switzerland).

Some travel insurance providers may require you to have a GHIC as a condition of taking out your policy, while others may remove your emergency medical claims excess if you have one.

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

Patients With Type 1 Diabetes Spend About $2,500 A Year In Health Care Costs

In addition, the card does not protect you against all medical expenses, such as repatriation, if you have to return home due to an emergency, whether related to your diabetes or not.

In addition to pre-existing conditions such as diabetes, the cost of travel insurance is calculated based on factors such as your age, where you are traveling to and how long you are travelling.

However, the price you’re offered can vary significantly between suppliers, so it’s good practice to shop around and compare what’s on offer.

The best price does not necessarily mean the cheapest. Budget policies may not provide adequate protection for your needs.

Schengen Travel Insurance For Belgium Visa Application Process

Diabetes is no reason not to travel, but it does make it even more important to have the right policy when you do travel.

Talk to your doctor before you travel, including whether a different climate will affect your diabetes and whether different time zones mean your treatment plan needs to change.

It may also be wise to take more medication with you on holiday than is normally needed as a precaution. Keep the phone number of your diabetes care team with you to call if you have problems or concerns while you are away.

Find out where you can get emergency insulin from abroad – in case of unforeseen circumstances that mean you need extra insulin.

Best Travel Insurance For Japan: Top Options In 2023

Check whether blood sugar levels are measured in the same way in the country you are traveling to as in the UK. If in doubt, ask your GP and the charity Diabetes UK for advice.

Store the insulin in the refrigerator after you reach your goal. Hotels can usually help if your room doesn’t have a fridge.

Holidaymakers with pre-existing conditions, including diabetes, should pay more for their travel insurance than those with standard insurance. This is because there is an increased risk of claims for the insurer.

 

The amount you pay for coverage depends on other factors, such as the severity of your condition and your age, as well as where you want to travel and the length of your trip.

Insurance And Diabetes

If you have complex medical needs, you may need to speak to a specialist broker to find a policy that suits your needs, although this can be expensive.

If you want to keep to a limited budget, you can exclude additional coverage such as luggage, valuable gadgets and cash. Sometimes choosing to pay a higher voluntary premium can also lower your premium.

You can search for travel insurance, compare offers for your situation to find the best quality policy at the most competitive price.

As part of this process, you will need to provide details of your diabetes and other pre-existing conditions.

Clinical Case Presentation

The search should then show you the travel insurance policies that suit your needs, listed in order of lowest cost, depending on your circumstances.

Don’t forget to compare the coverage offered and read the terms and conditions, as well as check the payment for each claim.

A diabetes travel insurance policy should cover any medication that is lost or damaged while on holiday. This means that if you need to buy replacement insulin while abroad, you can claim back the cost.

 

Get the Advisor newsletter for helpful tips, news, product reviews and recommendations from a trusted name.

Should You Use Your Credit Card’s Travel Insurance Or Buy Your Own?

I agree to receive the consultant’s newsletter by e-mail. More information and opt-out details can be found in our Privacy Policy.

The information provided on Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for you. We do not offer or provide financial advice, consulting or brokerage services

Insurance for diabetes patients, travel insurance type 2 diabetes, travel insurance for people with diabetes, life insurance for diabetes, diabetes bags for travel, best insurance for diabetes, health insurance for diabetes, travel insurance for type 1 diabetes, insurance for diabetes, travel insurance with diabetes, travel insurance diabetes, diabetes uk travel insurance