Diabetic Travel Insurance Compare. For those who have diabetes, finding inexpensive travel cover isn’t always easy.
Since 1996, the number of men and women diagnosed with diabetes in the UNITED KINGDOM has risen from just one. 4 million to 3. 5 million. Typically the vast majority of these cases are Type 2 diabetes, with around 400, 000 people damaged by Type 1 diabetes. Both types of diabetes are characterised by greater than typical blood sugar levels, but Type 1 is an auto-immune disease, whereas Sort 2 is characterised by the body becoming insulin resistant.
7 million people in the UK have ‘prediabetes’
A spokesman for holiday insurance comparison service Payingtoomuch. com, which is a specialist in cover for individuals with pre-existing medical conditions, and cover for those aged 70 or over, said:
“It’s estimated that up to 7 million people in britain unknowingly have ‘prediabetes’, which can lead to Kind 2 diabetes. Most people associate diabetes with obesity and poor diet, but age can even be a factor. A simple blood test can help catch it early, and progression to full Type 2 diabetes can be avoided through regular exercise and diet management. ”
Many travel insurers charge higher monthly premiums if you have diabetes, or any other kind of medical condition, as they consider you higher risk. People with diabetic often have associated health conditions such as high blood pressure and hypertension, which can further increase travel insurance costs.
Locate cheaper travel insurance for diabetics and high blood vessels pressure sufferers
Travel insurance policy for diabetics doesn’t have to cost substantially more than policies for holidaymakers without a medical condition, but it pays to shop around for cover to ensure you find the best possible deal. Telegraph Journey Insurance, for example, carefully partnered with Payingtoomuch which compares a panel of insurers with experience in providing travel cover to diabetes sufferers. They will compete for your business, which helps keep costs as low as possible.
Whenever you apply for cover, you may well be requested to answer certain questions about your diabetes including:
- Whether you take insulin
- Whether or not you have high blood pressure or hypercholesteria
- Which often other medication you are taking
Be honest about pre-existing conditions
Whatever you do, don’t be tempted not to declare your problem, as this could mean any claim you make is automatically invalidated.
A spokesman for the consumer relationship Which?
Medical cover is especially important if you have a pre-existing condition. Insurers will ask you about your medical history so they can set your premiums and cover you correctly. Any kind of existing conditions you haven’t declared to your insurance provider defintely won’t be covered, and you could face a huge medical bill if you fall ill abroad.
Travelling as a diabetic requires careful planning, as you need to ensure you have all the medication you’ll need, and that your holiday company is aware of your condition. If you have insulin-dependent diabetes, be aware that not all countries use the same insulin durability as with the UK, so it’s important for taking sufficient supplies.
Tips before you travel
Diabetes United Kingdom recommends that before you travel you get a letter from your DOCTOR saying you have diabetic, and which states if you are on a pump, if applicable. Typically the site also suggests keeping some sugar to hand, although not in liquid form if you are traveling, and putting insulin in a clear plastic bag so that you have it helpful for going through security.
Remember that if you are travelling to European countries, the European Health Insurance coverage Card (EHIC) is never seen as a substitute for insurance. The EHIC only covers medical therapy, but it won’t help if, for example, your luggage is lost or stolen or else you need to be flown back home due to difficulties with your diabetic.