HIV Travel Insurance

Our specialist policies are designed for anyone who needs to either declare HIV or AIDS, including those who:

• Have recently been diagnosed with this pre-existing medical condition
• Are currently managing their condition, whether they’re in the early stages of the condition or have progressed to AIDS

We understand that sharing details about your health can feel personal, but rest assured all information is treated with sensitivity and confidentiality.

Yes, if you have a diagnosis or have received any treatment for HIV, it’s important that you declare this when purchasing your travel insurance.

Being open about your pre-existing medical conditions ensures you get the suitable cover for your needs and, most importantly, that your policy is valid.

If there has been a change to your condition, such as a change in medication or symptoms, while your policy is active, it’s also important to let us know so your cover stays up to date.

To make sure your holiday insurance with HIV provides the right cover, we’ll ask a few straightforward questions about your medical condition.

These will typically cover areas such as:

• Recent Medications – Have you started on a new prescribed drug or will be starting a new one?
• Current Health Information – What are your latest CD4 count and viral load results?
• Medical Treatment – Has your doctor suggested starting or changing your current treatment?

Rest assured, your responses are always kept strictly confidential.

Please note: If your doctor has recommended starting or changing your treatment and you choose not to follow that advice, we may be unable to offer cover because you would be travelling against your doctor's advice.

At Able2Travel, we offer two main types of holiday insurance, depending on how often you travel:

• Single Trip Cover: Ideal for a one-off holiday. The cover begins from the moment you depart until you return home.
• Annual Multi-Trip Cover: Perfect for travellers who take multiple trips throughout the year. The option covers all trips taken within a 12-month period.

At Able2Travel, we offer holiday insurance for people who have HIV and are travelling to Europe and further afield. From staycations in the UK to city breaks in Europe and long-haul worldwide trips. Our cover is divided into the following areas:

• Area 1: The United Kingdom including Northern Ireland.
• Area 2: Western Europe, the Channel Islands, the Isle of Man, Madeira, and Iceland (including Area 1).
• Area 3: Worldwide excluding North America.
• Area 4: Worldwide including North America.

Please note there is no cover for you travelling to an area that FCDO have advised against ‘All Travel’ or ‘All but Essential Travel’.

We are also unable to provide cover to some countries due to the existence of international sanctions – please see our homepage for an up-to-date list.

The GHIC (Global Health Insurance Card) is not a substitute for travel insurance. While it gives you access to state-provided healthcare in countries in the EU, there are some areas that are not covered by it.

For instance, private medical treatment costs are not covered by a GHIC. If you medically need to be returned to the UK (known as repatriation), this isn’t covered by a GHIC either.

Additionally, HIV or AIDS travel insurance can also provide cover for unexpected travel incidents such as trip cancellation, travel delays, and lost or damaged luggage.

For travellers looking for HIV travel insurance, the process is simple with Able2Travel:

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 HIV or 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