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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 043 0020 / 01273 092 757… Read more... GET A QUOTE FOR TRAVEL INSURANCE WITH COVER FOR ASTHMA

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 043 0020 / 01273 092 757

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  
Personal Liability - £2,000,000 £2,000,000  
Personal Possessions - £2,000 £3,000  
Personal Money - £400 £400  
Delayed Departure - £100 £100  
Missed Departure - £500 £500  
Legal Expenses - £25,000 £25,000  
Scheduled Airline Failure £1,500 £1,500 £1,500  
Overseas Return Quarantine Included Included Included  
Medical Excess* £500 £150 Nil
Standard Excess* £100 £75 Nil

*The excess payable does vary depending on the claim benefit.

Please read the full Terms and Conditions 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.

Medical Questions

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
  • Theophyllines
  • Oral Steroids
  • Omalizumab
  • Nebulisers (for severe Asthma attacks)
  • Bronchial Thermoplasty (for severe Asthma)

Travel Advice

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.

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.

Apply for a GHIC Card

Covid-19 / Coronavirus Cover

Our Travel Insurance can cover you to travel with Asthma  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.

Useful Websites

Asthma Society

Travelling with Asthma

Travel Insurance Toolkit

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