Diabetes Travel Insurance
If you are travelling abroad and you have Diabetes, you should make sure that you have a Travel Insurance policy in place before your departure.
We can cover all types of Diabetes such as Type 1 and 2.
To get a quote by telephone, contact us on 0800 043 0020 / 01273 092 757
- Summary of Cover
- Medical Questions
- Travel Advice
- Using Insulin Abroad
- Medical Equipment
- Global Health Insurance Card
- Covid-19 / Coronavirus Cover
- Useful Websites
Summary of Cover
|Section & Cover||Silver||Gold||Platinum|
|Cancellation or Curtailment||-||£2,000||£5,000|
|Medical Expenses and Repatriation||£10,000,000||£10,000,000||£10,000,000|
|Scheduled Airline Failure||£1,500||£1,500||£1,500|
|Overseas Return Quarantine||Included||Included||Included|
*The excess payable does vary depending on the claim benefit.
Please read the full Policy Wording of this policy provided by JS Travel Insurance.
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.
When getting a quote for Travel Insurance with Diabetes, you will be asked a number of questions to ensure you get the right quote.
- How old is the person with this condition?
- Do you take insulin for your Diabetes?
- How many hospital admissions have you had for diabetes in the last year?
- Have you ever been a smoker?
- Have you ever been advised to take medication for High Blood Pressure?
- Do you have (or have you had) any of the following Medical Conditions? Impairment of kidney function/ Angina and / or a heart attack / Peripheral vascular disease (causes poor blood supply to legs)/ Leg or foot ulcers / Retinal (eye) damage / Nerve damage/ Amputation of foot or leg / Liver damage?
- Consult your GP well in advance of travelling as you will need to be well prepared for your holiday.
- Carry a Diabetes ID card or bracelet plus a letter from your GP stating that you have diabetes, the medication you take and how you take it.
- Remember that different countries use different Diabetes medicines so it is important not to run out of your own supply.
- Discuss with your Doctor how you will have to change your insulin doses as you travel between time zones on a long haul flight.
- It is also important to have all the recommended immunisations for your destination at least 4 weeks prior to travelling as they may produce unwelcome side effects.
- Rather than relying on an Airline Diabetic meal which may be low in carbohydrate, take your own snacks such as cereal bars, biscuits, sandwiches and fruit
- Store your insulin in a cool dark place such as a cool bag. It is important to keep your insulin cool but not to let it freeze so it is advisable keep it with you as hand luggage.
- Travelling with a friend who can help and support you while you are away is a good idea. They should be aware of how they can help you if you become unwell and how to recognise a hypo.
- It is a good idea to split your medical supplies between your hand-luggage in case of loss or theft.
- If you become ill whilst away, never stop taking your insulin or tablets and monitor your glucose levels frequently. Do not delay seeking medical advice if it is required.
- It is important to avoid dehydration and sunburn as this can be dangerous to people with Diabetes.
- Look after yourself whilst away. Wounds take longer to heal if you are diabetic and you are more vulnerable to infection in hot and humid conditions.
- It is advisable not to walk around barefoot as diabetics may have reduced sensation in their feet.
- Insulin may be absorbed quicker in warmer climates so regular glucose monitoring is important.
- Do not forget to take into account the amount of physical activity you are doing, whether it be more or less than what you would normally be doing at home.
Using Insulin Abroad
- It is important that, before you go on holiday, you find out the different type and strengths of insulin are available to you abroad.
- Check with the Pharmaceutical Company before you leave for your holiday.
- The strength of the insulin used in the UK may be different from that used in the country you are going on holiday to. In this case, the appropriate syringe for the strength you are using needs to be acquired.
- Keep your insulin in a cool area and away from direct sunlight.
- Insulin must not be kept in freezing conditions so when travelling on a plane keep it in your hand luggage with you.
- When you are on holiday, make sure you monitor your glucose levels regularly as insulin might be absorbed faster in warm climates. By regularly monitoring glucose, you will be able to safely adjust your dosage accordingly.
- To make sure you have enough medication with you whilst you are away, it is advisable to take twice the amount of medication that you require.
- If you are travelling with someone, put half the medication into their hand luggage so, should one of your bags be lost, you have back up Medication.
- Insulin should be stored in a cool bag.
- You will need equipment to monitor your blood glucose, as well as supplies of lancets, strips and a spare meter battery.
- Meters and test strips can be affected by conditions such as heat, humidity and high altitude so you should be aware of the possibility of false readings.
- If necessary, take Ketostix, Hypostop, Glucagen injection and Dextrose tablets.
- Always carry on you a diabetes identity card or jewellery.
- Carry carbohydrates with you in your hand luggage in case you face delays.
- When carrying needles and syringes, it is important that you carry with you a letter your GP or Hospital Diabetes Team, with a contact telephone number and address stating that the needles are for Medication purposes.
- Carry a First Aid box with you.
- Make sure you have recent prescriptions for all your necessary medications.
Always make sure you know which Vaccinations are necessary for the area you want to go on holiday to.
Some Vaccinations can have a negative effect on patients, causing sickness or flu symptoms, so try to have the vaccinations four to six months before leaving for your trip.
Global Health Insurance Card
The GHIC (Global Health Insurance Card) replaced the EHIC (European Health Insurance Card) on the 1st January 2021.
You can use this card to access medical healthcare abroad. This includes state healthcare including emergency treatment, treatment for existing medical conditions, routine maternaty care, oxygen therapy, kidney treatment and many more healthcare requirements.
Please Note: This is not a substitute for Travel Insurance, as there are restrictions on cover and you might have to pay some costs. It is important to note that this card will not cover Repatriation.
Covid-19 / Coronavirus Cover
Our Travel Insurance can cover you to travel with Diabetes provided the Foreign, Commonwealth and Development Office (FCDO) is not advising against all, or all but essential travel to your destination and it is not on the red list.
All customers must follow the advice of the FCDO at the time of travel and for the duration of their trip. This includes returning to the UK if the FCDO changes their travel advice based on the risks presented at the time. https://www.gov.uk/foreign-travel-advice
- Medical Expenses and Repatriation, when medically necessary, if you contract COVID-19 whilst abroad.
- Covid+ policy covers Cancellation if you are unable to travel because you contracted COVID-19 within 14 days of your departure date. This includes a positive pre-travel test.
- Platinum Covid+ policy has cover including cancellation if you have been told to isolate due to COVID-19.
- Overseas Return Quarantine: Cover for additional accommodation & transport costs (limits apply) if you are unable to return home due to contracting Covid-19 and being told to self-isolate abroad.