Holiday Insurance Medical Conditions
First A TIP: Never pay for the fridge, you should get it free if you tell them its to store your medication, if they insist on payment remind them of your “Disability Rights”.
If you’re living with a medical condition you’ll understand how hard it can be to get affordable medical travel cover. Some companies might not even offer it at all. It’s frustrating – especially when it’s essential for your peace of mind whilst abroad.always declare your medical conditions or you may not be covered
A pre-existing condition is an illness or disease that you have had advice for, symptoms of or treatment for. Different insurers will have their own list of conditions they need to be informed about before you travel.
As you are statistically more likely to fall ill while abroad if you have medical conditions it’s important you give a full and frank run down of all your health issues, or those you’ve had in the past, when you apply for a policy.
If your insurer doesn’t know about your medical history any pre-existing conditions will be excluded and you could face a massive bill if you become unwell.
It is never a good idea to wait to the last minute when you are buying travel insurance but this is even more important if you have pre-existing conditions because it may take a bit longer to get it sorted. There’s also the risk that your condition gets worse so if you’ve already got the insurance you’ll be covered.
Thinking you don’t need to arrange cover yet as your holiday’s not for another six months is a big mistake.
In fact, it’s even more of a reason to arrange travel insurance, as anything can happen before your trip. Why? It’s because travel insurance won’t just cover you while you’re away, it’ll also cover you for cancellation or anything else that might go wrong BEFORE you make your trip.
Travelling with medicines
If you’re going on holiday:
- pack extra medicine – speak to your diabetes nurse about how much to take
- carry your medicine in your hand luggage just in case checked-in bags go missing or get damaged
- if you’re flying with a medicine you inject, get a letter from your GP that says you need it to treat diabetes
My Top Holiday Insurance Providers
Been a Type 1 Diabetic with many health conditions including, leg amputation, kidney disease, vascular problems, visual impairment to name but a few, I found it hard and costly to get holiday cover at a reasonable price, but then I came across these companies.
1) Get Going Travel Insurance : Quick and Affordable Travel Insurance with 10,000 Medical Conditions Covered. Optional cover available for Cruise, Winter Sports and Gadget. Save 15% Online. 14 Day Cooling Off Period.
2) Medical Travel Insurance : They have a large range of pre-existing medical conditions that they cover everyday, such as; diabetes, arthritis, asthma, cancer, strokes, epilepsy, blood pressure and heart conditions, as well as many more.
3) World First Travel Insurance: At World First we offer comprehensive cover for thousands of medical conditions, for travellers aged up to 100 years. From angina to cancer, HIV and heart disease, we cover many conditions that other insurers won’t. Best of all, we do it at a price that’s fair. So if you’ve struggled to find cover elsewhere, we can help.
If you would like to compare your quotes to see if you have a good price you can compare prices at Compare The Market
The Ultimate Travel Health Checklist
Of course, purchasing a robust travel insurance policy needs to be a vital part of any savvy traveller’s journey preparation, but checking the boxes on your very own travel health checklist will mean that you are covered for minor illnesses and ailments as well as those that might require expensive medical treatment
Use this checklist to prepare for your next trip abroad. Make sure to bring items with you, since quality of items bought
overseas cannot be guaranteed. Not all of these items may be relevant to you and your travel plans.
❏ Your prescriptions
❏ Travelers’ diarrhea antibiotic
❏ Medicines to prevent malaria
❏ Glasses and contacts
❏ Medical alert bracelet
❏ Diabetes testing supplies
❏ Diarrhea medicine (Imodium
❏ Motion sickness medicine
❏ Cough drops, cough
suppressant, or expectorant
❏ Pain and fever medicine
(acetaminophen, aspirin, or
❏ Mild laxative
❏ Mild sedative or sleep aid
Supplies to prevent illness or injury
❏ Hand sanitizer (containing
at least 60% alcohol) or antibacterial hand wipes
❏ Water purification tablets
❏ Insect repellent (with an
active ingredient like DEET or
❏ Sunscreen (with UVA and UVB
protection, SPF 15 or higher)
❏ Sunglasses and hat
❏ 1% hydrocortisone cream
❏ Antibacterial or antifungal
❏ Digital thermometer
❏ Oral rehydration salts
❏ Antiseptic wound cleaner
❏ Aloe gel for sunburns
❏ Insect bite anti-itch gel or cream
❏ Disposable gloves
❏ Cotton swabs (Q-Tips)
❏ Eye drops
❏ Copies of your passport and
❏ Copies of all prescriptions
(medications, glasses, or
❏ Health insurance card and
❏ Proof of yellow fever
vaccination (if required for your
❏ Contact card with the street
addresses, phone numbers, and
e-mail addresses of:
• Family member or close
• Health care provider(s) at
• Lodging at your destination
• Hospitals or clinics
services) in your destination
• US embassy or consulate in
the destination country or
Use the following checklist when traveling with medications:
- Always carry drugs and medical equipment, including syringes, needles, catheters, etc., in their original labeled packages – do not put medicines in unmarked containers.
- Be prepared to answer questions at the airport and border crossings about the medications you are carrying – have a spare prescription on hand and a doctor’s note, if necessary.
- Know how to safely store the medication and check it if it requires refrigeration and use insulated containers during transit (your pharmacist will have container and packaging recommendations).
- Unless it requires refrigeration, pack your medication in your carry-on and not your checked bag to minimize loss or theft. If you are traveling with another person, consider splitting the medication for the same reason.
- Be prepared with a backup plan if your medication is confiscated. Have an original prescription and a letter from your doctor to facilitate the consultation.
- Make sure you have travel medical insurance and check that it will cover lost, stolen, or confiscated medications.
Please leave any comments or questions below
Garry (Type 1 Diabetic)