Important Information About Our Policies
Please note, our policies do not provide cover for cancellation, abandonment or curtailment claims if the Foreign and Commonwealth Office (FCO) advises against all or "all but essential" travel.
Our policies will also not cover any claims caused by or relating to Coronavirus, COVID-19, Severe Acute Respiratory Syndrome (SARS-COV-2), any mutation of Coronavirus, COVID-19 or SARs-COV-2 or any pandemic or fear or threat of any the above. We also can not cover any claims relating to any fear or threat concerning these viruses. This general exclusion applies to all sections of cover except for the Emergency Medical Expenses section. Click here for more information.
Asthma Travel Insurance
If you have Asthma, even if it is Mild Asthma, it is a good idea to get a Travel Insurance policy in place, so you are fully covered for any medical expenses whilst travelling.
To get a quote by telephone, contact us on 0800 047 5065 (FREEPHONE) or 01273 773 017.
- Summary of Cover
- Travel Insurance Extras
- Medical Questions
- Symptoms and Causes
- Treatment for Asthma
- Travel Advice
- Useful Websites
- Important Information
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|
*The excess payable does vary depending on the claim benefit.
Travel Insurance Extras
|Extension Benefit||Europe (per person)||Worldwide (per person)|
Extends your policy to provide cover if you miss your pre-booked connecting Aircraft, Watercraft or Train as a result of the cancellation, or delay of 3 or more hours, on your initial international outward or return journey, due to adverse weather, mechanical breakdown or technical fault.
The policy provides cover up to £500 for additional transportation and/or accommodation expenses incurred to enable you to join your connecting Aircraft, Watercraft, Train or Motor vehicle or to get you to your pre-booked final destination.
We will pay up to £1,000 for the intrinsic value or cost of repair of your Gadgets (maximum £500 per Gadget), which are lost, stolen, damaged or destroyed whilst you are away on your trip. Unauthorised calls if your mobile phone is stolen up to £75
We can cover the following Gadgets: Mobile phones, ipads and tablet computers, e-readers, sat nav, ipods and MP3 players, cassette players/CD players, computer games machines and any equipment used with them such as CDs, games, tapes, cassettes or cartridges.
You must take reasonable care of your Gadgets and not leave them unattended in a public place. You must own the item and be able to provide proof of ownership. Allowance will be made for wear and tear and depreciation
Covers your portion of prepaid, irrecoverable transport, accommodation, foreign car hire costs and prepaid excursions up to a maximum of £2,000 (excursion limited to £250) should you not wish to travel due to an act of terrorism occurring prior to your outbound travel date and within a 40 mile radius of your booked accommodation.
If you have already travelled, your portion of prepaid, irrecoverable, accommodation, foreign car hire costs and prepaid excursions and either your pre-booked return travel costs, or the cost of your curtailment travel costs, whichever is the greater up to a maximum of £2,000 (excursion limited to £250) should you wish to return home due to an act of terrorism occurring within a 40 mile radius of your booked accommodation.
Epidemic or Pandemic Travel Restriction
£50 for each full 24 hour period up to a maximum of £500.
A benefit payable if, when you are abroad, you are prevented from leaving a country due to restrictions in travel caused by an epidemic or pandemic and will help with the cost of additional accommodation and living expenses.
The cover is not applicable under the following circumstances; You are travelling against Foreign Office or World Health Organisation advice or you have travelled to an area where the possibility of an epidemic or pandemic occurrence has already been announced.
When obtaining a quote for Travel Insurance to cover Asthma or Mild Asthma, you will be asked a number of questions.
- Have you ever had a Diagnosis made of chronic airways disease (eg Chronic Bronchitis or Emphysema) ?
- How old were you when this diagnosis was made ?
- How long ago was the date of onset of your breathing problem ?
- How many medicines do you take for your respiratory condition (count each inhaler as one medicine) ?
- How many hospital admissions have you had for your respiratory condition in the last year ?
- Have you needed treatment in an intensive care unit for this condition ?
- Can you always walk 200yds on the flat without becoming short of breath ?
- Have you ever been prescribed oxygen for use at home ?
- Have you ever been a smoker ?
- Do you use nebulisers as part of routine maintenance of asthma control ?
Symptoms and Causes
When a patient comes into contact with an Asthma trigger, their condition can become irritated leading to a tightening of the muscles around the walls of the airways. The lining of the airway also becomes inflamed and starts to swell.
Asthma triggers include air pollutants, colds and viruses, pollen, household dust mites, smoke and some foods.
What causes Asthma is not known but you are more likely to be a sufferer if you have a family history of Asthma, Eczema or other Allergies.
Rapid changes in climate can bring on attacks, for example travelling in an air conditioned plane and then coming out into a tropical climate can trigger an attack.
Asthma attacks often happen after a thunderstorm, this is because the grass pollen get ruptured and particles are released into the atmosphere.
Treatment for Asthma
Most people manage to lead an unrestricted life by managing their condition through effective treatments. Some example of treatments for Asthma include:
- Reliever and Preventer Inhalers (which deliver Medication directly to the lungs)
- Spacers (more common for children)
- Leukotriene Receptor Antagonists
- Oral Steroids
- Nebulisers (for severe Asthma attacks)
- Bronchial Thermoplasty (for severe Asthma)
Asthma should not restrict your holiday plans, but you need to plan ahead to minimise any problems. However it is not advisable to travel during an Asthma flare up.
- Discuss your travel plans with your Doctor and research where you can get medical help and extra medicine when you arrive at your destination.
- Pack enough medication and inhalers to cover you for the entirety of your trip and include an extra supply in case of loss or a delay of baggage.
- Take your reliever inhaler onto the flight as hand luggage. If taking a long haul flight you may also need your preventer inhaler and medication.
- If possible take all your medication onto the flight as hand luggage because Asthma medication would become less effective if it was to freeze in the hold.
- Remember to carry supporting documentation from your Doctor detailing why you need to carry your medicine onto the flight.
- Know what to do during an Asthma attack, and do not ignore any gradually worsening symptoms.
- If you are travelling with a companion make them aware of your condition and inform them about what they can do to help you during an Asthma attack.
- Travelling to highly polluted cities may trigger a flare up so it is important to be aware of the conditions at your destination.
- Travelling to mountainous and cold destinations may require an increase in medication, consult your Doctor.
- If you know that you have certain triggers for your Asthma, such as animals, smoke or feather pillows, check ahead to see if you are likely to encounter them at your accommodation.
- If you are affected by pollen, plan your trip at a time when pollen levels are low. Keep in mind that you may react to pollens that you have not previously encountered in your home country.
- If you have severe Asthma and need assistance at the Airport. Let your Airline know at least 48 hours before your flight.
- If you use a Nebuliser, keep in mind that other countries may have different power points. If your Nebuliser is battery powered and you intend to take it on the plane, check with your Airline in advance.
- If you have not already had a flu shot, be sure to get one before flying, as air travel will increase your risk of getting the flu.
It is important to purchase a Travel Insurance policy that will cover your Asthma or any other pre existing medical condition 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.