Diabetes is one of the most commonly declared conditions on travel insurance applications in the UK. In most cases, cover is available — you just need to know what to declare and what to look for in a policy.
Travel insurance
At insurd, we cover pre-existing conditions, including diabetes, with no upper age limit. Get a travel insurance quote in minutes.
Can you get travel insurance with diabetes?
Yes — for both Type 1 and Type 2 diabetes. The important thing is to declare your condition, and any related conditions, when you apply. Undisclosed conditions can lead to claims being rejected, even for unrelated issues.
What will insurers ask?
Expect questions about:
- Which type of diabetes you have
- How it’s managed — diet, tablets, or insulin
- Your most recent HbA1c reading
- Whether you’ve had any hypoglycaemic episodes in the past 12 months
- Whether you’ve been hospitalised due to diabetes recently
- Any related complications (retinopathy, neuropathy, kidney problems, cardiovascular conditions)
Being accurate with your answers ensures your policy covers you properly.
What does a good policy cover?
A policy that accepts diabetes as a declared condition should include:
- Emergency medical treatment — including treatment for diabetic episodes abroad
- Repatriation — if your condition deteriorates and you need to return home
- Trip cancellation — if a diabetes-related issue prevents you from travelling
- Lost or stolen medication — insulin, glucose monitors, and test strips
- Standard cover — baggage, personal liability, travel delays
Always check the policy wording to confirm diabetes is covered, not excluded.
Tips for travelling with diabetes
Before you go:
- See your GP or diabetes nurse — especially for long-haul or hot-climate travel
- Make sure you have enough medication for the trip, plus extra
- Carry a doctor’s letter with your diagnosis, medication, and dosages
- Discuss timing of medication with your doctor if crossing time zones
At the airport and on the plane:
- Always carry insulin in your hand luggage — it can freeze in the hold
- Carry fast-acting glucose in case of delays
- Notify airline staff if you’re travelling with needles — a medical letter helps at security
While away:
- Keep insulin out of direct sunlight and heat
- Know the local name for your medication in case of emergency
- Save your insurer’s emergency number before you travel
Does climate affect diabetes management?
Hot weather can speed up insulin absorption and cause unexpected blood sugar changes. Altitude and increased activity can also affect control. If you’re planning somewhere extreme or very active, discuss it with your diabetes care team beforehand.
Diabetes shouldn’t stop you seeing the world
Travelling with diabetes is absolutely possible with the right preparation. Declare your condition fully, carry your medication and a medical letter, and make sure your policy specifically covers diabetes-related emergencies.
Get a travel insurance quote with diabetes covered, no upper age limit.
