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Travel Insurance for Diabetics guide 2024

Getting the right travel insurance policy for your holiday can make a significant difference to the overall cost of your trip and your own peace of mind, especially for people with pre-existing medical conditions like diabetes. Travel insurance for diabetics offers you cover for vital emergency medical treatment or care when you are abroad, worth up to £15 million.

It’s also important to make sure that you get the best cover that gives you everything that you need in case of an emergency, and doesn’t cost the earth.

Having a medical emergency when you’re abroad is distressing and especially if you don’t have proper travel insurance in place. This is when travel insurance for diabetics is invaluable because it gives you everything that you need to get the best medical treatment and takes care of everything for you to take away any unneeded stress.

Get an instant online quote for Travel insurance for diabetics from our carefully selected partners to save you time and money getting cover.

SUMMARY – when you travel overseas you should have proper travel insurance from when you book your holiday so that you’re properly covered. Travel insurance for diabetics will protect you for things like cancellation, curtailment, medical treatment, replacement medication and much more.

Can diabetics get travel insurance?

Travel insurance does not automatically include coverage for pre-existing medical conditions like diabetes.

Our specially designed travel insurance policies will provide cover for your diabetes should anything happen before you travel or when on holiday. You must disclose pre-existing medical conditions on your travel insurance application to make sure that you’re properly protected.

What is travel insurance for diabetics?

The right travel insurance can give you peace of mind from the moment that you’ve booked your holiday to after you return home. Diabetes can cause additional medical complications either before you travel or whilst you are abroad.

Travel insurance for diabetics means that you’ll be properly protected from the time that you take out cover to when you return home. There are many potential medical risks to travelling overseas for someone with diabetes, and the costs of treatment can be mind-blowing.

When you travel to a foreign country, you will naturally not be entitled to receive medical treatment should anything happen to you.

If anything happens to you whilst you are visiting some countries then the cost of medical care is likely to be extremely expensive. Without proper travel insurance you will need to pay these costs yourself, which is simply unaffordable for most of us.

What does travel insurance for diabetics cover?

If you experience any medical issues whilst on holiday, then your travel insurance will cover the cost of any treatment as well as provide you with vital support.

Experiencing medical problems in a foreign country can be distressing and extremely difficult due to things like language barriers. Someone with diabetes can need very specific treatment or medication to help them to manage their condition.

Some of the main things that travel insurance for diabetics covers:

  • Medical emergency and repatriation up to £15 million
  • 24/7 medical assistance
  • Travel insurance available for all types of diabetes
  • Cancellation and curtailment up to £12,500 (£30,00 on referral)
  • Missed departure up to £1,500 per person
  • Lost baggage up to £3,000 per person
  • Personal liability up to £2 million per person

How to get the cheapest travel insurance for diabetics

Cheapest isn’t always the best option when it comes to travel insurance, but you shouldn’t pay more than you need to. Paying a fair price for travel insurance and getting the very best cover can make a big difference to your trip and your plans when you’re overseas.

There are several ways to find the cheapest travel insurance for diabetics and get the right cover for you holiday.

We offer specially designed and fairly price travel insurance policies for diabetics from our panel of carefully selected insurance partners. We believe that insurance should be fair and it should always give you the best cover should you need it.

Travel insurance for type 1 diabetes UK

If you have type 1 diabetes and you are travelling abroad then you might have very specific needs or requirements for travel insurance. Someone with type 1 diabetes will need to make sure that they have cover for very specific medical emergencies, such as:

  • Hypoglycaemia
  • Hyperglycaemia
  • Diabetic Ketoacidosis (DKA)
  • Dialysis
  • Insulin (Lost or stolen)
  • Insulin equipment (e.g. pumps, kits, needles, cool bag for storing insulin etc.)

Many people with type 1 diabetes can live a very normal life with little or even no symptoms at times. It can also be an extremely unpredictable medical condition that can cause serious complications, especially if not treated properly.

Will I be covered for lost or stolen insulin?

It is common for people to lose, damage or misplace their possessions when away on holiday. You may lose your baggage or hand luggage containing important items. If this happens to be your insulin or your medical equipment then this can be dangerous and extremely expensive if you don’t have cover.

Travel insurance for type 2 diabetes

Type 2 diabetes can range from extremely mild symptoms with no major risks to your health, to severe and more serious dangers. Travel insurance for type 2 diabetes will be tailored to your circumstances and makes sure that you’ve got the cover that you need should anything happen to you whilst abroad.

Travel insurance for type 2 diabetes should be based on your own personal circumstances and your premiums should reflect that. People with mild symptoms may pay more for travel insurance than those with more serious or severe issues.

Some of the potential risks for travel insurance with type 2 diabetes are:

  • Hypoglycaemia
  • Hyperglycaemia
  • Hyperosmolar Hyperglycaemia State (HHS)
  • Diabetic Ketoacidosis (DKA)
  • Medication (e.g. Blood pressure or cholesterol)

It is generally unlikely that you’ll need medical treatment or care for your type 2 diabetes when you’re on holiday. However, in the event that you do experience complications or a medical emergency then the implications can be extremely serious.

How much is travel insurance for diabetics?

Your travel insurance premiums will be based on your individual circumstances as well as your trip, such as:

  • Destination (e.g. Europe or Worldwide)
  • Length of stay
  • Type of cover (e.g. Single Trip or Annual Trip)
  • Type of holiday (e.g. Cruise or standard holiday)

Travel insurance premiums for diabetics will also be based on:

  • Age
  • Date of diagnosis
  • Type of diabetes (e.g. type 1 diabetes or type 2 diabetes)
  • Hospitalisation
  • Insulin dose
  • Complications (e.g. retinopathy, neuropathy or nephropathy)
  • Symptoms (blood glucose levels etc)
  • Medications/treatments (e.g. insulin pump)

Does diabetes affect where I can travel to?

Due to the nature of our travel insurance specialist cover, there should not be any restrictions to your options for travel destinations because of your diabetes.

You should make sure that you answer any questions truthfully to make sure that you are properly covered for your diabetes, regardless of your destination. Some travel insurance policies may restrict your options for travel if you have diabetes, so it’s important to check what you’re covered for and where.

What’s the age limit for travel insurance for diabetics?

Our insurance partners are specialists and don’t have any age limits to their policies or travel cover. Enter your age and your trave details to get your personalised quote for travel insurance for diabetics.

Compare travel insurance for diabetics

It is estimated that there are currently just under 5 million people in the UK living with diabetes. Travel insurance for diabetics is a common type of cover and here’s how to compare premiums.

1. Call our team of experts or get a quote online

When you’ve booked your holiday, it’s advisable to get travel insurance as soon as you can to get the most from your cover.

CLICK HERE to get your quotes online

2. Answer a few simple questions

We will ask some questions about your holiday plans and complete a medical screening questionnaire to make sure that we find you the cheapest premiums and the best cover.

3. Get your travel insurance for diabetics quotes

You’ll get your tailored quotes for travel insurance from our panel of carefully selected travel insurance partners.

Other insurance products for people with diabetes

Here, we have more excellent insurance products that our diabetes insurance experts can help with:

Can a person with diabetes travel?YES – it is possible to travel when you have diabetes. It is however best to make sure you take enough medication and have enough medical cover in case anything goes wrong.
What are the first signs of diabetes?Some of the main first signs that can indicate you have diabetes are:

Frequent urination
Unexplained weight loss
Increased thirst/hunger
Fatigue
What is diabetes?Diabetes is a condition that causes your blood sugar to be too high. There are two main types of diabetes:

Type 1 diabetes – your immune system attacks the cells that produce insulin

Type 2 diabetes – your body doesn’t produce insulin or doesn’t react properly to insulin
What are the main symptoms of diabetes?The main symptoms of diabetes are:

Being very thirsty
Extreme hunger
Frequent urination
Muscle loss
Weight loss
Tiredness
Blurred vision
Genital itching

Useful resources

Gov.uk – Foreign travel advice

Gov.uk – Travel abroad

Office for National Statistics – Leisure and tourism

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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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