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diabetic travel insurance

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anyone diabetic got annual travel insurance recently? where did you find the best deal? i'm recently diagnosed and have been told you can't just go through the usual "channels", but have to get a spec… Read More
lickylonglips Avatar
9y, 5m agoPosted 9 years, 5 months ago
anyone diabetic got annual travel insurance recently? where did you find the best deal? i'm recently diagnosed and have been told you can't just go through the usual "channels", but have to get a special policy with having a "condition".....
lickylonglips Avatar
9y, 5m agoPosted 9 years, 5 months ago
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#1
I have to get specialist travel insurance too.
I have gone through [url]www.allcleartravel.co.uk[/url] in the past. Can't say whether it's the cheapest but it's worth a try.
#2
I always use [url]www.allcleartravel.co.uk[/url] Its not the cheapest but they they specialise in travel insurance for people with health conditions a lot better than add ons from general companies. I always found they wouldn't cover me if i had a hospital appointment 6 months before travel no good when ii have an appointment at 3 different hospitals every month for treatment.! Also found it cheeper for the year rather than one trip.
#3
thanks for the info... will have a look!
#4
You don't necessarily need specialist insurance, you just need to declare it when you get a quote. The main problem is that this cuts out most online (cheaper) quotes
#5
how do you declare when getting a quote on-line, though?
#6
My insuarance is through work and when I was diagnosed the insuarance is still the same but if anything happens due to diabetes when Im away they wont pay? Is that standard?

Hmmm.... Me may need to look into some other options.
If people have one which covers FOR diabetic issues when away how much are you paying?
#7
yep thats standard you can pay top ups on most policies but you can easily get caught on the small print most won't pay if you had a hospital appointment in the last 3-6 months with all clear it is taylored around each condition I pay around £120 a year for world wide with neurological (and other) conditions also includes my husband
#8
Thanks dmissy rep on the way....

My work policy is a standard £70 (ish) for me and the mrs wish hasnt changed since I was diaganosed.
I'll stick with it (tax benefit as well)
#9
worth sticking with then the average quote i was getting to cover my condition was over £300 and the post office quoted me over £400! Once i tell them i have a contraption in my brain with tubes draining down into my heart you can hear the panic :lol:
#10
I would love to go away with 'go travel insurance'. Ridiculously cheap but...
When you have multiple health conditions it is too risky.
Saying this, any time I have been ill abroad, I've been too scared to go to the hospital so my £120 insurance was a waste of time anyway!
If it was a condition (not too chronic) that I could hopefully regulate by blood tests and eating correctly, I probably would just declare the condition and go cheap but mine can hit at anytime out of the blue so too much of a gamble.
#11
i know what you mean If i get bad my surgery is 20 grand in the UK dread to think how much i'd get charged without all clear when abroad!
#12
All depends what type of diabetes you have. If on insulin and/or other conditions as well, you have no choice except specialist insurance.

However, if you are diabetic controlled by tablets or just diet alone, (and no other conditions) the risks of becoming ill due to diabetes are rare.
#13
iglimpse;1527565
All depends what type of diabetes you have. If on insulin and/or other conditions as well, you have no choice except specialist insurance.

However, if you are diabetic controlled by tablets or just diet alone, (and no other conditions) the risks of becoming ill due to diabetes are rare.


Not sure I agree, I've been diabetic (T1, insulin) for many years and in the past I've declared it and had everything from won't cover me, stupidly high quotes and NO difference at all. It all depends on the insurance company and what risk factors they are willing to accept.

That said, I no longer declare I'm diabetic as my control is very good and I have no complications at all, so claiming doesn't concern me.
#14
SteveA;1528043
Not sure I agree, I've been diabetic (T1, insulin) for many years and in the past I've declared it and had everything from won't cover me, stupidly high quotes and NO difference at all. It all depends on the insurance company and what risk factors they are willing to accept. That said, I no longer declare I'm diabetic as my control is very good and I have no complications at all, so claiming doesn't concern me.


Is there any point in taking out insurance then ? Highly likely they will void it - (no payout) becuase you failed to tell them you were diabetic. Does not matter that you become ill with something unrelated to your diabetes.

Unfair I know but....
#15
iglimpse
All depends what type of diabetes you have. If on insulin and/or other conditions as well, you have no choice except specialist insurance.

However, if you are diabetic controlled by tablets or just diet alone, (and no other conditions) the risks of becoming ill due to diabetes are rare.


Im insulin dependant Type 1 and our generic policy covers me just wont pay-out for incidents related to diabetes. i.e. break my leg, they will pay. Go into a diabetitc coma and I'm paying myself.

With regards to not having any I know what your saying but you legally have to have travel insuarance with most people to travel, and if Steve was claiming for a Lost Passport/Flight issue etc.. they would pay.
Really the only reason they would ever know he had diabetes is if it was linked to his claim in which case they are not going to pay anyway
#16
It is not a legal requirement to have any travel insurance. Although, it would be foolish to travel to places like USA without it.

If you don't tell the insurers you are diabetic, they won't pay out for anything. I would also be careful when they SAY they will pay out unless it is related to diabetes. I hope you have this in writing AND their small print as to what conditions they would cover as NOT related to diabetes.

Broken legs can be very simple and heal quickly but can also be complicated and have problems healing. Insurance companies always look for a way not to pay. I suspect they would say it did not heal properly due to diabetes and would therefore considerably reduce the payout, if any payment was given.
Unfortunately bad experience of this with my partner (skiing trip injury). It took 4 yrs to sort it all out and finally reached agreement on the steps of the court. Put 2 doctors together and they can relate the most bizarre conditions to diabetes, or complications of.

They are too good at getting your business and then putting all the clauses up when you claim.

I agree, lost luggage has nothing to do with diabetes but I was only talking about potential health claims.
#17
didn't know this. GREAT post, thanks all yiou guys
#18
Have been Insulin Dependant Diabeitic for 17years (no major problems -good control). You need to phone the insurance company for medical screening and prices - this cannot be done online. You will be asked a number of questions relating to your health then they will give you a quote and tell you if there'sanything they wont cover! I always use Boots tavel insurance (tel:08451253830) and pay standard prices! Obviously this could change depending on health! I am also covered for everything!!!!! Have just paid £125 for an annual family policy (worldwide inc USA) which considering quotes I have had in the past is fab! Get a list of numbers for insurance companies and go through it.
#19
Forgot this! As said in previous posts you need to check carefull if you're taking cover with exclusions! I was once quoted over £300 for 2 weeks ins which would not cover the diabetes. I questioned this and was told that if I was knocked down by a bus and suffered a heart attack I would n't be covered as diabetics are more at risk of heart attacks than non diabetics!!
Good Luck

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