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.

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
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Posted 15 JANUARY 2021

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.

CORONAVIRUS UPDATE

Following new restrictions implemented on 5 January 2021, you can only travel internationally or within the UK if you're legally permitted to do so while the UK is under full lockdown restrictions.

The Foreign, Commonwealth & Development Office (FCDO), currently advises British nationals against all but essential international travel. See latest FCDO advice for further information.

Any insurance policy purchased to cover a trip to a destination where the local authority, or the FCDO, has instructed citizens not to travel, will not be valid.

For more information, please see our coronavirus and travel insurance page.

Until then, stay safe.

Customers with more serious pre-existing medical conditions

Our panel includes insurance providers who quote cover for all medical conditions declared on our website, with no exclusions.

The Money and Pensions Service (MaPs) has also launched on its Money Advice Service website a directory of insurance providers who may be able to provide quotes over the phone, if you have more serious medical conditions. Find more information at the Money Advice Service or by calling the British Insurance Brokers’ Association on 0370 950 1790.

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.

After Brexit, and the UK officially left the EU with a deal in place, things have changed. You won’t be able to apply for an EHIC anymore, but, if you have one already, issued before the end of 2020, then it’ll still be valid until the expiry date.

However, the UK government has introduced a replacement called the Global Health Insurance Card (GHIC). If you don’t have an EHIC, or once yours expires, you can apply for a GHIC here, and it should arrive within 10 days. The GHIC will offer the same cover as the EHIC did in EU countries.

Compare travel insurance

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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