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It’s fair to say that asthma is very common in the UK. This condition can be extremely mild with very little or no difference to lifestyle. You should still make sure that you disclose asthma when applying for travel insurance, so it’s taken into consideration.

Travel insurance will protect you financially if you suffer a serious asthma attack on holiday or lose your inhaler. You will also be well covered for other events such as lost luggage, flight delays or cancellations.



You should be able to find a great travel insurance policy that will cover someone with asthma. If you have severe asthma, suffering an attack while abroad could cost you greatly. Medical treatment can be very expensive in some countries and travel insurance can help cover these costs.

Even with mild asthma, travel insurance can still be useful and save you a lot of money. You could become ill or injured for another reason or experience other events such as:

  • Lost valuable items
  • Lost medication (inhalers)
  • Delayed flights
  • Cancellations
  • Lost cabin baggage or hand luggage


YES – When you apply for travel insurance for someone with asthma, asthma will be classed as a pre existing condition. Standard travel insurance won’t cover pre existing conditions automatically.


YES – Asthma is a respiratory condition and will be classed as one when you apply for travel insurance. Asthma has different levels of severity of symptoms, so how much you pay can vary from person to person. You can get travel insurance for mild asthma or more severe asthma with the right advice.


You should always declare asthma on travel insurance applications. Even if your symptoms are generally mild, you could encounter triggers when away which lead to a serious attack. This includes triggers such as:

  • High altitudes
  • Changing temperatures
  • Allergens e.g. pollen or dust
  • Dry air on the plane
  • Increased physical activity


When you apply for travel insurance you will be asked a few basic questions about your trip e.g. destination, duration of trip etc. You will then be asked about your health (medical screening process).

If you have asthma, you should disclose this to the insurer. They will then ask a few questions such as:

  • When were you diagnosed with asthma?
  • How frequently do you experience symptoms?
  • What is the severity of symptoms?
  • What medication or treatment have you been prescribed for asthma? E.g. inhalers, steroids
  • Do you smoke? (Can increase risk of medical issues)
  • Have you ever been hospitalised due to asthma? Has there been recent hospital admissions?


Specialist travel insurance for asthma (UK) will cover you in a range of situations. These policies are designed to prevent you losing money due to anything unexpected occurring on holiday. You will be covered for:

  • Emergency medical expenses and repatriation (up to £15million)
  • 24/7 medical assistance
  • Lost baggage
  • Missed departures
  • Cancellation cover
  • Personal liability (up to £2million)


Asthma is classed as a pre-existing medical condition for travel insurance, and you will be asked about it when you apply. You could apply for a standard travel insurance policy, but this won’t offer the comprehensive cover needed for serious medical issues.


Most policies where asthma is disclosed will take in to account the additional potential medical requirements whilst traveling. The level of impact on the cost of cover will depend on how severe, recent, and frequent your symptoms are.

There are several other factors that will have an impact on costs, such as:

  • Destination
  • Length of stay
  • Type of cover (e.g. single trip vs annual)


Cheapest isn’t always the best option but you certainly shouldn’t pay more than you need to for travel insurance. Getting the right cover at an affordable price can make a big difference to your holiday.


There isn’t one ‘best’ type of travel insurance, as the level and type of cover needed by each person can vary. There are two main options for travel insurance which are:

  • Single trip cover: Can be a lower cost option, will only cover one specified trip.
  • Annual travel cover: Useful for frequent travellers, as this covers multiple trips within one year (12 months)


There shouldn’t be any restrictions for where you can travel to with an asthma travel insurance policy. There are also NO AGE LIMITS if you take out cover through our carefully selected travel insurance partner.

Just enter your age and trip details and you can receive a personalised quote for your cover.


Over 12% of the UK population has been diagnosed with asthma, which is more than 8 million people affected.*

If you are looking for travel insurance for asthma patients, this is what you should do.

1.    Call and speak to a travel insurance expert (or get an online quote)

A specialist advisor can help you find the most cost-effective policies with the level of cover you need. It is always advisable to get cover in place as soon as your holiday is booked, in case anything goes wrong.

CLICK HERE to get an asthma travel insurance UK quotes online

2.    Answer some simple questions about your travel insurance and asthma

You will be asked a few quick easy questions about your trip and the type of travel insurance you need. This will be followed by some simple questions about your asthma and any other conditions (medical screening).

3.    Receive personalised quotes for travel insurance for people with asthma


Here, are some other policies for people with asthma that our insurance experts can help with.

Can you travel with asthma?YES – Asthma shouldn’t prevent you from going on holiday if you want to. The dry air on airplanes can be triggering for asthma though, so make sure to keep your inhaler with you.
What are the most common asthma symptoms?The most common symptoms of asthma are difficulty breathing, coughing, chest tightness, wheezing and shortness of breath.
What triggers asthma?A variety of things can trigger asthma symptoms. Your asthma may be made worse by allergies, air pollution, physical activity and respiratory infections.
What are the signs of an asthma attack (NHS)?The NHS states the main symptoms of an asthma attack are:

Severe wheezing, coughing and chest tightness
Breathlessness that prevents eating, speaking or sleeping
Rapid heartbeat
Drowsiness of dizziness
Fainting and blue lips or fingers (severe attacks)
What is an asthma action plan UK?An asthma action plan is a management plan to help you manage and control your asthma symptoms. This will be developed alongside a doctor or nurse.

It may be useful to take this on holiday with you, in case your symptoms become worse while you are away.

*According to Asthma + Lung UK


Asthma + Lung UK – Travelling with a lung condition

Superdrug – Top tips for travelling with asthma

NHS – Living with asthma

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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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https://www.iaminsured.co.uk » guides

Martin Lewis Travel Insurance - iam|INSURED

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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https://www.iaminsured.co.uk » guides

Martin Lewis pre-existing medical conditions - iam|INSURED

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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