Allergy Travel Insurance
If you require Travel Insurance for any Allergies you may have, you will need to declare them and answer some medical questions before a policy can be issued.
An Allergy is a medical condition that triggers a person’s immune system to behave differently than it normally would to an interaction with a certain substance. This reaction to a generally harmless substance can cause swellings, rashes, sensitive eyes, difficulty breathing and other uncomfortable sensations and sometimes the reaction can be quite severe, even life threatening. The most common Allergenic substances are pollen, pet hair, and food.
JS Travel Insurance can now provide cover for your Gadgets, such as Mobile Phones, Tablets and Computer Game Consoles. You will be able to select this cover on the quote page of our website.
JS Travel Insurance provides cover for Residents of the United Kingdom and the Channel Islands.
If you are a Resident of the Republic of Ireland, please get a quote for Travel Insurance or call us to discuss your requirements.
Summary of Cover
|Section & Cover||Silver||Gold||Platinum|
|Cancellation or Curtailment||-||£2,000||£5,000|
|Medical and Repatriation||£10,000,000||£10,000,000||£10,000,000|
|Failure of Carrier||£1,500||£1,500||£1,500|
Medical Questions if you have an Allergy
When obtaining a quote for Travel Insurance to cover an Allergy, you will be asked a number of medical questions. It is always important to answer these questions to the best of your ability. Here is an example of the questions that will be asked:
- Are you at risk of life threatening Allergic reactions ?
- Have you needed Hospital Treatment for this Allergy in the last 2 years ?
If you are travelling with others, we can include them on the policy, even if they do not have an Allergy or any other pre existing medical conditions to declare.
If you suffer from an Allergy, the medication you may need to take will vary according to the Allergy you suffer from. Most treatments are available over the counter. Some common medications to treat the symptoms of an Allergy include Antihistamines, Decongestants and Leukotriene Receptor Antagonists. If you should go into Anaphylactic shock, you will need an injection of adrenaline.
If you suffer from a Food Allergy and are travelling by plane, it is important to check the policy of the Airline you are using regarding food service. If you suffer from a Peanut Allergy, try and find an Airline that does not serve complimentary peanuts with their drinks. You can also request in advance that you are served a nut free snack such as pretzels.
When booking your trip, inform the reservation agent and ask them to inform other relevant personnel such as the Airline, Flight Crew and Catering Staff of your Allergy. Carry with you your adrenaline, emergency plan, a letter from your Doctor stating your Allergy and your medical requirements as well as some form of Medical Identification. Make sure your adrenaline shot is with you at all times and is in your hand luggage and not in the hold of the plane. Wipe down your seat to ensure that your skin does not come into contact with any spilled foods or food particles that could cause a reaction.
When travelling, be conscious of the food you come into contact with and always inform any restaurant staff of your Allergy as well. Check when ordering and when your food arrives that it is free of any thing you may be allergic to. Carry on you a personal dietary card that translates your restrictions into the appropriate language.
If for example, you suffer from a Pollen Allergy, ensure you take your medication with you before leaving the country to keep you symptoms under control. Stay inside during peak pollen times (usually 10am - 4pm). Ask for a room in your Hotel that has not had pets staying in it before you, if you are allergic to pet hair.
If you are allergic to insect bites, try avoiding anything that will attract insects such as flowers and plants. Do not walk around bare foot. Try to drink out of a glass instead of a can, as insects can hide in a can and sting your lips. Avoid bright colours and wear long sleeves and trouser legs that cover your skin and protect you from potential stings and bites and wear insect repellent. Should you be surrounded by bees, wasps or insects, move away slowly and avoid waving them away as it may irritate and agitate them.
Before you leave the country, it is important to purchase a Travel Insurance policy that will cover your Allergy or any other pre existing medical conditions you may have.
This Travel Insurance is provided by goodtogoinsurance.com. Goodtogoinsurance.com is a trading name of Ancile Insurance Group Limited, Registered Address: Kao Hockham Building, Edinburgh Way, Harlow, Essex, CM20 2NQ. Authorised and regulated by the Financial Conduct Authority - No. 471641.