Diabetes Travel Insurance

Yes, whether you have type 1 or type 2 diabetes, it is classed as a pre-existing medical condition. So, you must declare it when going through the medical screening, whether you’re getting type 1 diabetes travel insurance, or travel insurance for type 2 diabetes.

Being open about your medical condition ensures you receive the appropriate policy, tailored to your needs. Most importantly, it ensures that your policy remains valid in the event of a claim.

If your condition changes in any way after you've taken out your policy – such as a change in medication or symptoms – please let us know so we can ensure your cover remains up to date.

If you have a pre-existing medical condition like diabetes, you'll need to answer a few medical screening questions. These are designed to make sure your policy gives you the right protection.

The questions may include when doing medical screening for:

• Hospital Admissions – Any unplanned hospital stays related to your diabetes in the last two years
• Current Treatment – The medication you take and details of any ongoing treatments, such as dialysis
• Associated Conditions – Details regarding whether you have, or have had, any related health complications linked to your diabetes
• Underlying Cause – Information about any other medical condition that may be the cause of your diabetes

The cost of travel insurance for diabetics isn't a single fixed price. Whether you need travel insurance with type 1 diabetes, or travel insurance for diabetes type 2, the price is based on factors.

For instance, your age, trip duration, destination, and how well-managed your condition is. The price will also be influenced if you have any other pre-existing medical conditions to declare.

Able2Travel offer flexible holiday insurance designed to fit your specific needs, whether you require holiday insurance for diabetics type 1 or holiday insurance for type 2 diabetes. You can choose from two main types of cover that fits how you travel:

• Single Trip Cover: Ideal for those planning a one-off getaway. This provides cover from the start to the end of your trip.
• Annual Multi-Trip Cover: Perfect for travellers who enjoy travelling frequently as it covers all your trips within 12-month period

At Able2Travel, we offer holiday insurance for diabetics’ travellers going to Europe and beyond. From staycations in the UK to city breaks in Europe and long-haul worldwide trips. Our cover is divided into five areas:

UK Only Coverage (For UK Residents Only)

• Area 1: Includes England, Scotland, Wales, and Northern Ireland, as well as Isle of Man

Europe Coverage

If you’re going on holiday to Europe, you can choose between two types of diabetes holiday insurance for Europe, based on the countries you are travelling to:

• Area 2: Includes all countries in Area 1, Western & Northern Europe, Mediterranean Islands, and Eastern Europe
• Area 3: Include all countries in Areas 2, and including Turkey

Worldwide Coverage

If your trip involves travelling beyond Europe, you’ll need worldwide diabetic holiday insurance which includes cover for countries outside of Europe. Able2Travel has two options to choose from:

• Area 4: Includes all countries in Areas 1, 2 and 3 (excluding the USA, Canada, the Caribbean and Mexico)
• Area 5: Includes all countries including those in Areas 1, 2, 3 and 4

Getting a quote from Able2Travel is simple and only takes a few minutes. Here's how:

1. Tell us about your trip – choose your destination, when you’d like cover to begin, and who will be travelling
2. Complete the medical screening about your diabetes and any other medical conditions you have had – this can be done online or over the phone
3. Get your personalised quote
4. Compare three levels of cover and choose the option that suits you best
5. Add optional extras to tailor the policy to your needs, such as cruise cover or winter sports cover

With the GHIC (Global Health Insurance Card) you have access to use state-provided healthcare in countries in the EU at the same level as a local would receive.

However, the GHIC shouldn’t be a substitution holiday insurance, as some areas that is covered under diabetes holiday insurance not GHIC:

• Private medical treatment, if this is the most appropriate place for you to be treated for injuries or your medical condition
• The cost of being getting you back to the UK if medically necessary (known as repatriation)
• Unexpected incidents such as trip cancellations, travel delays, or lost/damaged luggage