Rheumatoid Arthritis Travel Insurance

Yes — rheumatoid arthritis is a pre-existing medical condition. So, if you have received a diagnosis or any related treatment, you will need to declare this condition on your policy.

Being open about your condition ensures you get the suitable cover for your needs and, most importantly, that your policy is valid.

If there has been a change in your medical condition in any way after you've taken out your policy – please let us know so we can ensure your cover remains up to date.

The GHIC (Global Health Insurance Card) can help you access state-provided healthcare in some EU countries. However, it is important to understand its limitations and what it doesn’t cover.

For example, it won’t cover costs for private medical treatment if necessary or emergency medical transport to get you home (known as medical repatriation.

Additionally, holiday insurance can provide cover for common travel problems such as trip cancellations or lost baggage.

To make sure the policy gives you the cover you need, you’ll need to answer a few medical screening questions.

The questions may include when doing medical screening for rheumatoid arthritis:

• Hospital Admissions – Details of any unplanned hospital visits related to your condition within the last 12 months
• Medical Treatment – Information about any treatments or procedures you have received for your condition
• Severity of Symptoms – The impact of rheumatoid arthritis on your mobility and whether you have symptoms affecting other parts of the body
• Current Treatment – Details of your medication and whether you’re awaiting tests, results, or surgery
• Associated Conditions – Information about any related complications you have or have had and how severe they were

Yes, rheumatoid arthritis can affect the price, as you will need to complete a medical screening.

Medical screening may increase the policy price, depending on the severity of your condition and your medical history.

However, there are other factors that can affect the cost of travel insurance with rheumatoid arthritis, for example: your age, trip duration, destination, and other pre-existing medical conditions you need to declare.

Able2Travel provides flexible holiday insurance that takes your medical needs into account. Whether you’re a solo traveller, travelling as a family, or a senior traveller, there are two main types of cover to choose from:

• Single Trip Cover: Designed for those planning a one-off trip. Covers the full duration of your trip from the day you leave until you return home.
• Annual Multi-Trip Cover: Ideal if you travel frequently. It covers all your trips within a 12-month period under one policy.

At Able2Travel, we offer cover for people with rheumatoid arthritis travelling to Europe and beyond. Cover is available from UK staycations to European city breaks and long-haul worldwide trips.

We divide the destinations covered by our policy 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 travelling to Europe, you can choose between two types of European policy, depending on the countries you’re visiting:

• 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 a worldwide policy, 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 for rheumatoid arthritis holiday insurance is straightforward. 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 rheumatoid arthritis 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