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travel insurance for diabetics

Sorry Fran,

I didn't answer all of your question. I have found that the insurers recommended by this website are very efficient and very reasonably priced, and they really do cover you for all conditions - no exclusions.
This is a link to the travel insurance section
http://www.diabetes.co.uk/guide-to-diab ... urance.asp

I have also had dealings in past years with an insurance broker called Heath Lambert. They are very trustworthy, pride themselves on their excellent service and can get some very competitive quotes. They also specialise in insurance for people with medical complications. They don't provide the insurance themselves, but they know all the companies that do, which can save you an enormous amount of time in getting quotes.
 
I booked mine through Marks and Spencers this year who do cover pre exisiting conditions. Was about £40 for a 1 off trip.
 
Hi Willogs,

Thanks for reminding me about M&S Travel Insurance. If anyone is interested in this, they specifically exclude cover for diabetes unless you tell them about it and they agree in writing to cover you. Please don't assume that because someone else has their diabetes covered then everyone will. They assess every application individually - but if they do agree to cover you then their policy does give good value for money.
 
Hi,

I have a bank account that comes with a package of add ons including world wide travel insurance. There's a long list of 'no screen conditions' that provided you only have one from the list you don't need to contact the insurance company. There's everything from acne to Parkinsons and Diabetes is one of the conditions listed. I've had the account and the travel insurance that comes with it for years. I'm not sure if I opened the account now if it would alter my eligibility for the travel insurance.

However, might be worth checking to see if your bank account offers it?
 
hi booked mine for my holiday in two weeks through insure and go was very reasonable
 
Hi Carlos,

Did you ask them whether they cover your diabetes? Every insurer will offer you insurance, but most will not cover any pre-existing condition. So that means that if you were diagnosed with diabetes before you took out the cover, then if you have a diabetes-related emergency while on holiday then they won't pay.

Insureandgo are just an insurance broker and the reason they can offer cheap insurance is because it is very basic and doesn't cover anything out of the ordinary.
 
Re:

I am lucky and due to the type of bank account i have my travel insurance is included. I rang them yesterday and asked if there was any cost i needed to pay due to me having a pre exitsting medical condition. I went through their medical clearance process and as i hdnt been in the hospital in the last 2yrs for any diabetic related illness then i was covered FOC. The bank is HSBC (Plus account)




ginger said:
Has anyone come across a good and reasonably priced travel insurance for us diabetics?

I am trying to source something that will not cost the earth.

So far I have found policies from £229 - £331 for my US trip. If I was "normal" it would be less than half this :(

Ginger
Click to expand...
 
I'm on the Plus account too, so will check that out.

http://www.diabetes.co.uk/guide-to-diabetic-travel-insurance.asp - these guys are DiabeticTravel.co.uk and I took out life insurance with them after finding out that a whole range of companies would insure me, but if I fell ill because of diabetes, wouldn't cough up.

These guys genuinely do insure you for pre-existing conditions and ALSO if they're the cause of illness on holiday -- which a lot of Key Facts insurance documents from other companies DON'T COVER (even though their employees may say they do!) -- so check your key facts document - don't just take their word for it!!!
 
I think that many of the "plus" or "extra" or "rewards" type of bank accounts, i.e. accounts where they charge you per month for the service, will offer travel insurance as part of the deal. But it is worthwhile comparing what they actually cover with what you would get from a specific travel policy. I have heard of some bank offerings that don't cover damage or loss of luggage, because they want you to insure those through your household contents insurance (at an increased cost of course!).
 
Hi,

I posted earlier on the travel insurance that comes with my bank account. It's a family worlwide policy and it's provided by AXA. it's a fairly standard policy that includes compensation for delays, loss or damage to baggage, travel documents etc as well as medical cover. Mine also covers ski equipment, hire and piste closure amongst other things.

I'm happy that I have a robust policy and fortunately I've never had to make a claim. The message, I suppose, with any insurance policy is check the small print regarless of whether it comes 'free' or you have to purchase a policy.
 
Hi Pinnig,

That's interesting because your bank seem to have negotiated a deal with AXA with better conditions than AXA offer their own customers. On the travel insurance policy that AXA sell to the public (not the one from your bank) it says that pre-existing diabetes is not covered. If you request cover they will consider it but will not cover any claim arising from a diabetes problem unless they have agreed in writing to cover the condition. Sounds like you got a good deal.
 
got a quote from the link on this site diabetictravel.co.uk and it was £40.50 for annual cover which is 20 less that my renewal with insure and go who i thought were cheap at £60 covering my pre existing medical conditions
 
Hi Dennis,

Yes it does seem a good policy. I bank with the Co-operative and they have recently changed their package of benefits including the travel insurance provider. I think I get a good deal with them and was pleased to see that my diabetes was not an issue.

They have just won a Which award so it looks like i'm not the only one that thinks they do, unlike so many banks, offer a good service.
 
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