Around 3.8 million people in the UK are living with diabetes, which can make traveling abroad more complicated, not least when it comes to travel insurance.
Getting the level of coverage you need is especially important when you have a condition like diabetes, so here are some points to keep in mind if you’re buying coverage.
How much does travel insurance cost for diabetes?
Some insurers do not provide you with coverage if you have diabetes of any type, as it is considered a pre-existing condition. Others will offer you coverage, but charge you more than someone with no pre-existing conditions would.
The reason you will pay more for coverage if you are diabetic is that insurers believe there is a greater risk of you filing a claim and costing them money. Clients with a lower risk of filing a claim pay less for coverage.
However, rewards aren’t just dictated by whether or not you have any health problems. It also takes into account where you are going, how long you will be away and how old you are.
Prices will vary from insurer to insurer, even for comparable coverage levels, which makes it more important to shop around for the best deal.
But the cost of travel insurance cannot be considered in isolation, because the cost of emergency medical care abroad could far exceed the cost of coverage if you did not purchase a policy or opted for a policy that left you. underinsured, simply because it was cheap.
Instead, you should look for policies that offer the coverage you may need. Insurers will ask you a few screening questions about your health to make sure you get enough. It is important that you are honest and helpful about your condition.
Is travel insurance mandatory if you are diabetic?
Traveling with your medicine and perhaps having your usual routine interrupted by transit and time zone changes could add a layer of complications to managing your condition. So while it is not mandatory to purchase specific travel insurance for diabetics, it is advisable.
A solid policy would provide:
coverage of at least £ 5 million for medical treatment
emergency repatriation to the UK
cancellation or reduction
loss of medicines
the costs associated with extending the trip and delays due to your condition
Travel tips for diabetics
The NHS recommends that people with diabetes travel with three times as much insulin, test strips, lancets, needles, and glucose tablets that you would expect to need. He also recommends dividing the medicine, identification and equipment into two different bags, in case one is lost.
Other recommendations include:
Insulin pump users should pack insulin pens in case the pump fails
Carry insulin in your hand luggage
Use a cooler to keep the insulin from overheating
Carry ID that informs people about your condition
Bring the contact details of your diabetes team with you
Bring enough snacks with you to overcome delays
Always check and be prepared for any Covid entry requirements at your chosen destination to keep stress levels to a minimum.