Why do I need specific travel insurance for asthma?
It’s fair to say that asthma is very common and 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.
Most travel insurance policies will include a certain limited level of medical cover for expenses. A travel insurance policy for someone with asthma will also make sure that you’re covered for any asthma-related treatment whilst on holiday. Asthma is classed as a pre-existing medical condition for travel insurance and you will be asked about it when you apply.
Does asthma affect travel insurance premiums?
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 a number of other factors that will have an impact on costs, such as destination, length of stay, and type of cover. You can shop around to find the right cover and often a more specialist company would be better suited because they are more equipped to help.