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.
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.
To get a quote by telephone, contact us on 0800 047 5065 (FREEPHONE) or + 44 (0) 1273 773 017.
- Summary of Cover
- Travel Insurance Extras
- Medical Questions
- Travel Advice
- Using Insulin Abroad
- Medical Equipment
- 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 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.
Before you leave the country, it is important to purchase a Travel Insurance policy that will cover your Diabetes 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.