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Travel insurance can give you peace of mind that your holiday is protected, if something unexpected happens. It’s important to get the right cover to protect you if you are traveling abroad and especially for conditions like Crohn’s.

If you’ve got Crohn’s disease, then travel insurance will generally be available for most people. Premiums can vary dramatically between travel insurance companies though, so it’s best to speak to a specialist.



Most travel insurance companies would offer cover to someone with Crohn’s disease. However, it is often cheaper to get cover through a medical specialist. Companies that specialise in cover for people with Crohn’s and other conditions understand the risks better.

You must make sure that you tell your travel insurance company about your medical condition and answer all questions accurately. Medical treatment when you’re overseas can be extremely costly, so you should make sure that your cover is good enough.


Standard travel insurance won’t offer cover for pre-existing medical conditions. It is important to choose travel insurance that covers Crohn’s disease, so you are properly protected.

A specialist Crohn’s disease travel insurance policy will prevent financial losses if you need medical treatment while overseas. Changes in diet or even stress from travelling can worsen Crohn’s symptoms, which in severe cases could lead to medical treatment. If you’re not covered then you could be at risk of extremely expensive medical procedures.

Travel insurance will also cover the following:

  • Emergency medical costs and repatriation (up to £15million)
  • Personal liability
  • Cancellation cover
  • Flight delays and missed departures
  • Lost items of valuable
  • 24/7 medical assistance


Though Crohn’s disease can have a big impact on daily life and activities, many people with Crohn’s still choose to travel.

Crohn’s disease travel insurance will be available with a range of specialist providers. It’s always best to shop around before making any decisions to find the best prices.

The cost of travel insurance can vary depending on several different factors. This includes:

  • Duration of trip
  • Destination (Europe or Worldwide)
  • Type of travel cover (single trip vs annual)
  • Type of holidays (e.g. cruise or winter sports)

If you have Crohn’s disease, the price of cover will also be affected by:

  • Age
  • Date of diagnosis
  • Severity of symptoms
  • How frequently you experience symptoms
  • Are you currently experiencing symptoms or in remission?
  • Any surgeries you have had related to Crohn’s
  • Any medication you take and the dosage


The best way to get cheap travel insurance for Crohn’s disease is to speak to a travel insurance specialist.

Someone with a proper understanding of how Crohn’s can affect travel insurance will know which insurers are your best option. They will also be able to compare policies quickly and easily to find you the right cover at the lowest price.


There are a few options when you are looking for travel insurance. Your main two choices will usually be:

  • Single trip cover: covers you for one specified holiday/trip, can be a more cost effective choice.
  • Annual travel insurance: will cover multiple trips within one year, useful for someone who travels often.


Specialist travel insurance policies shouldn’t limit where you can travel to with Crohn’s disease or Ulcerative Colitis. It is wise to remember that medical bills can vary in each country though.

Depending on your destination, you could face very high medical expenses, so your medical cover amount needs to reflect this. It is always best to be honest about your health when applying for travel insurance. This helps insurers to give you the right policy and pricing for the level of cover you need.


Our brilliant travel insurance partners can help you get the best Crohn’ disease travel cover with NO AGE LIMITS. All you need to do is provide a few basic details about your holiday and your health to receive your personalised travel insurance quotes.


In 2022, Crohn’s and Colitis UK reported that more than 1 in 123 people in the UK is living with Crohn’s disease or Colitis. This number increases to 1 in 67 people after the age of 70.

Here is how to get advice and support about getting travel insurance with Crohn’s disease.

1.     Speak to a travel insurance specialist (or get an online quote)

You should get travel insurance as soon as possible after booking a holiday, to fully benefit from your policy. You are fully protected from the moment you buy your policy, before you even leave your home.

CLICK HERE to get an online quote for travel insurance with Crohn’s disease

2.    Answer some simple questions

Answer a few easy, quick questions about your health (medical screening process) and your holiday. Be honest about your medical history, so you can get the right cover at the lowest price.

3.    Get your personalised Crohn’s disease travel insurance quote


Here, we have more insurance products that our Crohn’s disease insurance experts can help with:

What is Crohn’s disease?Crohn’s disease is an incurable condition that causes the digestive system to become inflamed.
What are the symptoms of Crohn’s disease?The main symptoms of Crohn’s disease are:

Stomach aches and cramps
Weight loss
Blood in your stool
What are the early warning signs of Crohn’s disease?The most common early sign of Crohn’s disease feeling generally unwell, stomach pain and diarrhoea.
What is the life expectancy of someone with Crohn’s disease?People with Crohn’s disease can live between 5-8 years less on average.

More information – Average life expectancy UK
Can people with Crohn’s disease travel?YES – you can travel with Crohn’s disease. It can be helpful to bring additional supplies such as extra clothing, wipes and ointment in case your symptoms flare up.


Crohn’s & Colitis UK – Travelling with Crohn’s or Colitis

Fit for Travel (NHS Scotland) – Travel and Inflammatory Bowel Disease (Crohn’s/Colitis)

WebMD – Tips to make travel easier with Crohn’s disease

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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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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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