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Crohn's disease travel insurance

Crohn's disease travel insurance

Crohn’s disease affects at least 115,000 people in the UK and is a lifelong condition. It can be hard to find travel insurance if you have Crohn’s disease, so we compare a range of providers to help you find the comprehensive cover you need.

Patrick Ikhena
From the Travel team
4
minute read
posted 9 OCTOBER 2019

Can I get travel insurance if I have Crohn’s Disease?

You can still get travel insurance if you have a pre-existing medical condition, such as Crohn’s disease, but you may need a specialist policy. You’ll need to declare any pre-existing conditions you have when getting a quote. A pre-existing medical condition is any illness or injury that exists before, or at the time, you take out an insurance policy.

What do insurance providers need to know?

When taking out a travel insurance policy, you’ll have to supply detailed information about your medical history. This helps providers get an idea of the likelihood of you needing medical care while you’re on holiday.

If you have Crohn’s disease, you’ll be asked how many operations you’ve had and in what time frame. You’ll also need to answer detailed questions about the medication you take and how often, as well as when you last experienced symptoms associated with the disease.

It might seem intrusive, but if you fail to provide accurate information about your medical history, it could invalidate your policy.

Will an insurance provider approve my application?

Once you’ve disclosed your medical history for Crohn’s disease, a travel insurance provider may:

  • refuse to cover any medical aid relating to Crohn’s disease, but offer to insure you on standard terms for any new issues that may arise while on holiday
  • offer cover with specific restrictions on your policy
  • offer full cover with either a higher excess or higher premium
  • decline your application.

Does where I travel to impact my policy?

It’s important to be mindful that medical costs will vary depending on what country you’re going to, and you’ll need to consider this when selecting your medical cover limit (the maximum amount you can claim for medical bills). The higher the medical cover limit, the higher your premium is likely to be. You may also need a letter from your doctor to confirm that you’re fit to fly.

What do I need to consider when travelling if I have Crohn’s disease?

Once you have a travel insurance policy, keep your provider’s details with you in case you need to contact them while you’re away. If your plans change during your trip, speak to your provider as you may need to amend your level of cover.

You’ll also need to carry a GP’s letter stating the medication you need to take with you. Talk to your doctor about whether you can take extra medication just in case, as well as times to take your medication if it’s affected by changes to the time zone.

If you’re flying, it’s a good idea to get to the airport early to deal with potential problems that may arise from you carrying your medication.

How can a European Health Insurance Card (EHIC) help?

A European Health Insurance Card (EHIC)** gives you access to state-provided healthcare across Europe on the same terms as a local resident, which means at a reduced cost or sometimes for free. However, it’s not a replacement for travel insurance and it won’t cover you for treatment at a private hospital. If you need medical attention, go to a state medical facility first and tell your insurance provider. They’ll advise you on what additional private treatment might be covered by your policy.

**UK residents can use their EHIC during the Brexit negotiations, until the UK is scheduled to leave the EU on 31 January 2020. The UK Government has proposed a scheme similar to the EHIC in the event that the UK leaves the EU without a deal, and consequently the EHIC no longer being usable. However, the implementation of that scheme is subject to EU countries agreeing to that proposal.

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Find the right insurance for you by using our travel insurance comparison tool. Simply enter your details and tell us about you and your pre-existing medical conditions. We’ll show you the travel insurance policies we have available so you can find the right policy for your needs.

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