HIV Travel Insurance
If you have been diagnosed with HIV, you should get a Travel Insurance policy in place before the beginning of your trip. HIV is the abbreviation of the Human Immunodeficiency Virus, a much feared virus that results in HIV infection and later in Acquired Immunodeficiency Syndrome, more commonly known as AIDS. Caused by the transfer of bodily fluids, this severe condition gradually undermines the immune system, which gives other infectious diseases, viruses and Cancer, the opportunity to do some serious damage.
To get a quote by telephone, contact us on 0800 047 5065 (FREEPHONE) or + 44 (0) 1273 773 017.
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, and you need to declare HIV.
Please check the Terms and Conditions for any restrictions or exclusions.
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 | |
| Personal Property | - | £2,000 | £3,000 | |
| Personal Money | - | £400 | £400 | |
| Personal Liability | - | £2,000,000 | £2,000,000 | |
| Delayed Departure | - | £100 | £100 | |
| Missed Departure | - | £500 | £500 | |
| Legal Expenses | - | £25,000 | £25,000 | |
| Failure of Carrier | £1,500 | £1,500 | £1,500 |
HIV Medical Questions
When obtaining a quote for Travel Insurance to cover this condition, you will be asked a number of questions. These will include:
- In the last three months have you started a new antiviral drug or is a new drug planned ?
- What is your latest CD4 count ?
- You have been on antiviral treatment for more than three months, what is your latest viral load ?
- Have you been advised to start antiviral treatment but chosen not to ?
HIV Infection
The infection can be passed on in a number of ways, including:
- Unprotected sexual intercourse
- Transfusion of infected blood
- Sharing of contaminated needles
- Transmission from an infected mother to baby during childbirth
- Breast milk from an infected mother
Symptoms of HIV
- Fever
- Swollen glands
- Sore throat
- Fatigue
- Joint pain
- Muscle pain
- Rash
- Weight loss
- Diarrhoea
HIV is diagnosed with a blood test. The prognosis for HIV sufferers is much better than it used to be, with advances in drug treatment resulting in many sufferers being able to lead relatively normal lives. HIV is treated with combination drug therapy, which is a cocktail of different Medication that must be taken at strictly regimented times.
If you are planning a trip you should make sure you are well enough to travel. Consult your Doctor before your holiday and follow and advice they may have. Some countries you travel to may require you to receive vaccinations but this is not recommended due to the suppressed state of the immune system. Make sure you bring enough Medication for the length of your trip, and some extra in case of delays. Carry it in hand luggage in case it gets lost.
Important Information
Before you leave the country, it is important to purchase a Travel Insurance policy that will cover HIV 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.
