TRAVEL INSURANCE FOR CROHN’S DISEASE
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.
More about MEDICAL CONDITIONS TRAVEL INSURANCE.
CAN YOU GET TRAVEL INSURANCE WITH CROHN’S DISEASE?
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.
It is possible you could be offered travel cover that excludes Crohn’s disease as a reason to claim. You would still be able to claim for a range of other unexpected events that occur while you are away.
WHAT DOES TRAVEL INSURANCE FOR CROHN’S DISEASE COVER?
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
Someone with Crohn’s will need to ensure they have adequate cover for replacing medication or stoma supplies if they were to be lost. You also need to consider that changes in your diet while you are away or a general flare up of symptoms could cause illness while you are away.
HOW MUCH IS CROHN’S DISEASE TRAVEL INSURANCE?
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
There can be extra requirements when applying for travel insurance with pre-existing conditions like Crohn’s disease. Some insurers will want to see a letter from your doctor, stating you are fit and well enough to travel.
CHEAPEST TRAVEL INSURANCE WITH CROHN’S DISEASE
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.
You should remember that the lowest price policy isn’t always going to be your best choice. You are always better off choosing the policy with the right level of cover, rather than the lowest cost option. A decent travel insurance policy could save you hundreds of £s if something went wrong while you are on holiday.
WHAT IS THE BEST TRAVEL INSURANCE FOR CROHN’S DISEASE?
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.
It is always best to disclose Crohn’s disease when you apply for travel insurance. This helps insurers to give you the right level of cover. You also risk your cover being invalid if you need to claim for something Crohn’s related and you didn’t declare it on your application.
DOES CROHN’S DISEASE AFFECT WHERE I CAN TRAVEL TO?
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.
It can also be useful to have a Global Health Insurance Card (GHIC) when travelling with Crohn’s. This can help lower the costs of medical treatment in a range of different countries.
IS THERE AN AGE LIMIT FOR CROHN’S DISEASE TRAVEL INSURANCE?
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.
CLICK HERE for quotes for Over 50s travel insurance for Crohn’s disease.
COMPARE TRAVEL INSURANCE FOR CROHN’S DISEASE SUFFERERS
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
You will then receive your specifically tailored travel quotes from our exclusive travel insurance partners.
OTHER INSURANCE PRODUCTS FOR PEOPLE WITH CROHN’S DISEASE
Here, we have more insurance products that our Crohn’s disease insurance experts can help with:
- Crohn’s disease life insurance
- Crohn’s disease income protection
- Critical illness cover
- Personal accident insurance
FREQUENTLY ASKED QUESTIONS ABOUT CROHN’S DISEASE
| 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: Diarrhoea Stomach aches and cramps Weight loss Fatigue 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. |
USEFUL RESOURCES
Crohn’s & Colitis UK – Travelling with Crohn’s or Colitis
Fit for Travel (NHS Scotland) – Travel and Inflammatory Bowel Disease (Crohn’s/Colitis)
