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Cystic Fibrosis Travel Insurance Guide UK 2024

It can be more challenging to travel with a condition like cystic fibrosis (CF), but this shouldn’t mean you can’t enjoy holidays like anyone else. It may just take some extra planning to make sure everything goes smoothly.

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60-Second Summary – Cystic Fibrosis Travel Insurance Guide UK 2024

A specialist cystic fibrosis travel insurance policy will protect you financially if anything unexpected happens while you are on holiday. You will be able to claim for events like lost luggage, missed flights and medical emergencies.

  • If you have a medical condition like cystic fibrosis, you will need to declare this when you apply for travel insurance. If you don’t, you risk your policy being invalid and the insurer not paying out.
  • Your travel insurance provider may want to see proof that you are fit to travel before approving your application. This will normally be in the form of a ‘fit note’ from your doctor.
  • There can be additional things to think about when travelling if you have cystic fibrosis. This is why a specialist travel insurance policy will usually be more suitable, as it ensures you have the right level of cover.

Can you get travel insurance with cystic fibrosis?

A commonly asked question is ‘can people with cystic fibrosis travel?’. The answer is yes though you might need to plan ahead to avoid high costs for things such as lost medication.

Before travelling you should check with your doctor that you are fit and able to travel. Cystic fibrosis can affect blood oxygen levels so it is important to check if you will need additional support such as an oxygen tank when flying.

What does cystic fibrosis travel insurance cover?

Travel insurance is designed to protect you if something unexpected happens while you are away. If you lost your luggage or flights are delayed, travel insurance can prevent you from losing out financially.

Someone with a medical condition like cystic fibrosis will have extra things to think about when planning a trip. Cystic fibrosis travel insurance will protect you for events such as:

  • Emergency medical treatment and repatriation
  • Replacement medication/medical equipment
  • Lost or stolen items of value
  • Flight delays or missed connections
  • Cancellations
  • Lost hand or hold luggage

You should declare any health condition when applying for travel insurance, particularly one like cystic fibrosis which can have severe symptoms.

This helps the insurer work out the right price for your policy and what level of cover will be most appropriate. You could also risk your policy being invalid if you needed to claim due to cystic fibrosis and did not disclose CF on your application.

The insurer might request more medical evidence before approving your cover to check you are well enough to travel. A letter from your doctor stating that you are fit to travel will normally be enough proof for most insurers.

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It can be cheaper and easier than you might think to get travel insurance for someone with cystic fibrosis. The key is to apply to a specialist insurer as they will be able to offer the right level of cover and the fairest pricing.

The amount you pay for your travel cover will be based on:

  • Your destination
  • Trip duration
  • Type of cover (single trip or annual)
  • How much cover you need (£s)

People with cystic fibrosis can be at a higher risk of medical problems while travelling. Things like air travel and certain holiday activities could worsen symptoms, leaving you in need of medical assistance.

This makes it even more important to have protection in place so you aren’t stuck with huge medical bills. You could even have to rely on loans or savings which may be unaffordable or impractical. Travel insurance is a cost-effective way to make sure this doesn’t happen. You have two main options for cover which are:

  • Single trip cover: will provide travel cover for one trip
  • Annual travel insurance: will cover multiple trips within 12 months

The easiest way to find the best cystic fibrosis travel insurance is by speaking to a medical travel insurance expert. A specialist with a good knowledge of cystic fibrosis and travel insurance will know exactly which insurers are and where to find the lowest prices.

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Our excellent medical travel insurance policies can find the best travel insurance for cystic fibrosis sufferers – with NO AGE LIMITS.

Just submit a few basic details about your trip and your health and you will receive fully personalised quotes to protect your next holiday.

Compare travel insurance for people with cystic fibrosis

Here is how to quickly compare quotes for top quality cheap travel insurance for cystic fibrosis.

1. Call for advice from a medical travel insurance specialist (or get an online quote)

It can be useful to get advice and help before choosing your travel insurance policy. It is a good idea to buy travel insurance as soon as your holiday is booked so you’re fully protected.

CLICK HERE to get an online quote

2. Answer a few quick and easy questions

A travel insurance expert will ask you about your holiday and your health to work out your best options for cover.

3. Get your fully personalised cystic fibrosis travel insurance quotes

Other insurance policies for people with cystic fibrosis

Here are more insurance policies that can be useful for people with cystic fibrosis.

What is cystic fibrosis?

Cystic fibrosis is a medical condition that causes mucus to build up in the airways, lungs and digestive system.

What is cystic fibrosis life expectancy?

According to the NHS, around half of people with cystic fibrosis will live past the age of 40.

The average life expectancy of children born and diagnosed with cystic fibrosis is now longer due to advances in medical treatments.

What are 3 symptoms of cystic fibrosis?

Common symptoms of cystic fibrosis include:

  • Recurring chest infections
  • Coughing
  • Wheezing
  • Shortness of breath
  • Damaged airways
  • Issues with growth and development (children)
  • Jaundice
  • Digestive issues

What is cystic fibrosis caused by?

Cystic fibrosis is a genetic condition. This means it is inherited rather than caught or developed and usually diagnosed when you are a child. All children in the UK are tested for cystic fibrosis as newborns to try and diagnose CF as early as possible.

Useful resources

Cystic Fibrosis Trust – Going on holiday

CysticFibrosis.com – Travelling with cystic fibrosis

Cystic Fibrosis Foundation – Before travelling

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What does Martin Lewis say about travel insurance?

Martin Lewis provides lots of guidance for holidaymakers who are searching for the best deals on their travel insurance. One of the biggest recommendations from Martin Lewis travel insurance advice is ‘ASAB’ (As Soon As you Book), which basically translates to suggesting that you should buy your travel insurance as soon as you’ve booked your holiday.

In an interview on This Morning talking to Martin Lewis about travel insurance, he claims that he is constantly being asked by consumers, “what can I do if I’ve been diagnosed with a medical problem and I can’t go on holiday because my travel company won’t give me a refund?”. According to Martin Lewis travel insurance recommendations, 50% of the value of your travel insurance cover is before you are due to travel.

Top reasons for holiday cancellations before travelling:

  • Sickness or illness
  • Accidents causing an injury
  • Emergency at home
  • Family emergency
  • Work commitments
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Is it worth taking out travel insurance?

Almost all financial experts such as Martin Lewis and citizensadvice.org.uk, strongly recommend that you take out a travel insurance policy and that you do it quickly. The financial and emotional impact of not having travel insurance while overseas can be catastrophic if you require medical treatment or if you are victim of a crime.

The cost of travel insurance is generally affordable for most holidaymakers and you should factor this in to the cost of your holiday. Risking not having travel insurance and then having a medical emergency when you are overseas, especially in certain destinations, can cost you thousands.

What does travel insurance cover?

Most travel insurance policies will provide the same core elements such as medical emergencies, repatriation, legal expenses, loss, theft or damage to personal belongings, and cancellation or curtailment of your trip. The types and levels of cover can vary dramatically from one policy to another so you should make sure that you’re getting the cover that you want and that you need.

Also, some travel insurance policies won’t cover you for certain destinations, activities or types of holidays, such as:

  • Cruise holidays
  • Winter sports
  • Worldwide travel
  • Pre-existing medical conditions

Note: Travel insurance will generally exclude any accident or injury that has happened whilst under the influence of alcohol or drugs.

What is classed as a pre-existing medical condition for travel insurance?

According to one of the UK’s top travel insurance providers, Staysure clearly states that ‘you must declare ALL pre-existing medical conditions when your take out a travel insurance policy’. Witholding any information about your health or medical history could expose you to the risks of rendering your cover invalid and therefore class any claims as ‘null and void’.

Any of the following pre-existing conditions must always be disclosed on your travel insurance application:

  • Cardiovascular conditions (e.g. blood pressure, cholesterol, heart disease etc.)
  • Cancer(s)
  • Any Stroke or Transient Ischemic Attack (TIA)

You should also let your travel insurance provider know about any of the following medical investigations, tests or treatments in the past two years:

  • Symptoms (whether or not you have consulted a doctor)
  • Medication or treatments
  • Scans or investigations
  • Medical appointments and check-ups
  • Surgery
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How much should I spend on travel insurance?

According to a recent travel insurance survey carried out by Forbes Advisor’s Analysis (Average cost of travel insurance 2023), the average cost of travel insurance is between 5% and 6% of the cost of your trip.

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