Diabetic Travel Insurance

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Diabetes is a very common medical condition in the UK⁹ with more than 4.9 million people living with the condition and 13.6 million people at increased risk of developing type 2 diabetes¹. In fact, Diabetes UK predict that if nothing changes, by 2030, 5.5 million people in the UK will be living with diabetes¹!

However, having diabetes shouldn’t stop you from enjoying a well-deserved break. So, as long as your condition is well managed, under-control, and declared during the travel insurance quote process, there’s no reason why you can’t sit back and relax somewhere warm overseas (or whatever your idea of a holiday is!). To make sure that you can look forward to jetting off with full protection, why not take out a specialist medical travel insurance quote with us? You can get a quote here.

Do I need to declare diabetes on my travel insurance?

Yes, you do. While it may not be common knowledge, it’s important that you declare any medical condition when taking out travel insurance cover. Much like all other medical conditions, you must declare your condition when purchasing a policy to make sure you have suitable travel insurance protection and cover in place, should the unexpected happen while you are away. If you don’t declare your full medical history and later need to submit a claim related to your condition, you may not be covered. You can declare your medical condition easily online by answering a few short questions about your general health when you get a quote, or by calling our friendly customer service team.

Travel insurance for people with type 1 and/or type 2 diabetes

There are several different types of diabetes: type 1, type 2, and other rarer types. Depending on which type of diabetes you have been diagnosed with, the impact of your condition may vary day-to-day. Depending on the severity of your condition/your symptoms, this could have an impact on your travel insurance. Regardless of whichever type of diabetes you’ve been diagnosed with, you will still need to let us (your travel insurance provider) know to ensure that we have the appropriate cover in place for you, if you do not declare any medical conditions, this may mean that you are no longer covered should you later need to submit a claim.

What do the different types of diabetes mean and how could this affect me when travelling?

Diabetes UK define type 1 diabetes as “a serious condition where your blood glucose (sugar) level is too high because your body can’t make a hormone called insulin” this happens because your body attacks your pancreatic cells that create insulin, meaning that you can’t produce any.

Diabetes UK define type 2 diabetes as “a serious condition where the insulin your pancreas makes can’t work properly, or your pancreas can’t make enough insulin. This means your blood glucose (sugar) levels keep rising”.

Both types of diabetes are serious and can cause high blood glucose levels which can lead to serious complications with your health. Therefore, regardless of which type you have, taking the right steps to manage it is crucial, that’s why it’s important to plan ahead when booking a trip abroad, make sure you declare your condition and get suitable travel insurance protection.

Although travelling with diabetes is unlikely to require medical treatment abroad, the changes to your usual routine, diet and climate differences could affect your blood glucose levels. If you have type 2 diabetes and high blood pressure, travelling can result in further complications, therefore, it is paramount that you declare these conditions when purchasing your travel insurance. By declaring your condition(s), you can travel with peace of mind knowing that if the unexpected were to happen before or during your trip, you have suitable cover in place.

What are the benefits of a Get Going travel insurance policy with diabetes cover?

Living with a medical condition like diabetes can come with its struggles, including finding the right travel insurance for you at an affordable price, and with the suitable level of protection that you need.

Our policies are designed to offer that top level of protection whilst giving you the assurance you need to set off on your adventures. Our travel insurance policies provide cover for:

Benefits of a Get Going policy with diabetes cover
Up to £10 million medical expenses cover⁸	Standard COVID cover included on all policies³
Up to £5,000 cancellation cover⁴	Cover if your insulin or insulin pump is lost, stolen or damaged
Up to £5,000 if you have to cut your trip short⁴	Mobility and disability equipment covered
Up to £4,000 personal possessions cover⁵	Over 100 sports and activities included as standard

Exclusive discount available for at-home COVID tests
Single trip policies available for staycations, so you can get covered for any trip within the UK providing it is for 3 days or more
A 14-day cooling-off period on all policies, giving you time to read your documents thoroughly and ensure that the chosen policy is right for you

Why choose Get Going travel insurance with Diabetes cover?

Rated ‘Excellent’ By Over 7,200 Customers!⁶
Access to our 24/7 emergency medical assistance team
93% of our customers rated us 4 or 5 stars on Trustpilot⁶
UK, Europe and Worldwide policies available
Discounts available when buying cover online
Discounts on Couples & Family policies
FREE and SECURE Customer Area to access your policy details

Why Choose Get Going?

Over 1000 medical conditions considered

24/7 emergency medical assistance team

£10m cover for emergency medical expenses

93% of customers have rated us 4 or 5 stars $

Our top tips for travelling with diabetes:

Travelling with a diabetes diagnosis can sometimes require a little bit more planning than the usual traveller. Here are some tips for you to bear in mind when preparing for your next adventure:

Note from the Doctor: Make sure that if you’re carrying insulin and syringes on the flight, you have a letter from you doctor and your ID to hand, just in case. That way, if you are stopped at border control as a result of the equipment you are carrying, you have all the evidence you need.
Diabetic equipment: In 2017 an average of 5.5 bags per 1000 were lost or delayed – so make sure all diabetic equipment is packed in your hand luggage to avoid the risk of being without your kit when you land.
Be careful with insulin pumps and CGMs: If you treat your diabetes with either a pump or a continuous glucose monitor (CGM), contact the airline prior to your flight (about 2 weeks before). Do not put this equipment through whole-body scanners or x-ray machines as this can cause damage. Any luggage that you check-in may go through X-ray machines as well, so if you do have diabetes, download a Medical Advice Awareness Card. This card includes information for airport security about your condition to clear up any confusion as to why you are carrying certain equipment with you.
Blood glucose conversion chart: The most common measurement in the UK is mmol/L (millimoles per litre). However, if you’re visiting the USA or continental Europe, you’ll find typically blood glucose is measured in mg/dL (milligrams per 100 millilitres). It can all get very confusing, so we recommend using a conversion chart such as this one from Diabetes.co.uk, should you need it.
Bring snacks: Make sure you have snacks readily available throughout your trip. Whether it’s for transportation, excursions, or days by the beach, no matter what it is that you are doing, have snacks to hand just to be on the safe side!

For further information about going on holiday with diabetes, please see the following resources:

https://www.nhs.uk/live-well/healthy-body/travelling-with-diabetes/

https://www.diabetes.org.uk/guide-to-diabetes/life-with-diabetes/travel

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Frequently Asked Questions

Yes, you must declare every medical condition that you have to your travel insurance provider when purchasing a policy. Not everyone who has diabetes also has high blood pressure. However, failure to disclose this information, and any other medical information, could result in an unsuccessful claim later down the line if the condition is found to be related to the reason that you are claiming. We want to ensure that you have the right cover for your medical needs, giving you peace of mind, but we can only do this if all of your medical conditions are declared.

Yes, here at Get Going we consider travel insurance cover for most people with diabetes. We are medical travel insurance experts, which allows us to keep our premiums affordable and our policies full of useful cover, even after your medical declaration. If you’re travelling with a medical condition, no matter how big or small, you must declare this to your travel insurance provider.

All medical conditions must be declared to ensure that your policy is not invalid if you need to make a claim. Taking out travel insurance with cover for diabetes also gives the emergency medical assistance team a head start as they’ll already have an awareness of your health and conditions, in the event that you need to contact them while you’re abroad.

Yes, we consider diabetes, and any other medical condition(s) that you have, are under review for, or have had previously as a pre-existing medical condition. These must be declared during your quote journey to ensure that your policy includes the level of cover that suits your needs. You can view our medical travel insurance page here.

The best travel insurance for people with diabetes is one that includes cover for your condition just in case you have to make a claim, and one that meets your needs in a travel insurance policy. You can get a travel insurance quote covering diabetes from us here.

Once you settle on a policy that can provide you with cover for your medical condition(s), you might then consider your cover and excess levels. For example, look for cancellation limits which will cover the pre-paid costs of your holiday if you can no longer travel unexpectedly. In addition, check the cover and excess levels available to you, and remember that all cover and excess levels are applicable per person, per claim.

If you are taking out a multi-trip policy ensure you choose enough cancellation cover to cover the biggest and most expensive holiday that you plan to take within 12 months of purchasing the policy.

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