Cystic fibrosis travel insurance

Around 10,400 people in the UK have cystic fibrosis. Depending on the seriousness of the condition, it can be difficult to find a travel insurance provider that will offer cover. We compare a range of providers to help you find the cover you need.

Around 10,400 people in the UK have cystic fibrosis. Depending on the seriousness of the condition, it can be difficult to find a travel insurance provider that will offer cover. We compare a range of providers to help you find the cover you need.

Josh Daniels
From the Travel team
3
minute read
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Posted 15 JANUARY 2021

Can I get travel insurance if I have cystic fibrosis?

You can get travel insurance if you have cystic fibrosis, but you may have to pay a higher premium than would otherwise be the case. And if your condition is severe, you might need a specialist policy.

CORONAVIRUS UPDATE 

A travel traffic light system has been introduced for international travel. From 19 July 2021, trips to green and amber listed countries are legally permitted if you live in England and Scotland. However, you’ll still need to fulfil any pre-departure requirements, such as testing. If you live in Wales and Northern Ireland, you still need to follow the rules for your relevant local authority.

If a country is on the green or amber list, you still need to check the latest travel advice and entry requirements for each country you visit or transit through. This is to ensure you’re aware of any specific requirements relating to entry and to check travellers from the UK are permitted. Countries can have their traffic light status changed at short notice and you should take this into consideration when looking to travel. Please check the Foreign, Commonwealth & Development Office (FCDO) advice for the latest information.

The FCDO currently advises against all but essential travel to red listed countries. Should you choose to travel against the FCDO rules, you will not be covered by any travel insurance policy you purchase. Some providers do offer cover for international travel if you’re travelling for essential purposes, however most do not. In all cases, should you have any queries please check the policy wording or contact your chosen provider before purchasing to ensure the cover meets your needs.

Travel within England, Scotland and Wales is permitted under the current guidelines. However, public health rules and lockdown restrictions continue to vary, including entry restrictions for Northern Ireland. Check the latest guidance from the official tourism boards for England, Scotland, Wales and Northern Ireland.

Find out more here

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 launched a directory of insurance providers on its Money Advice Service website that 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 travel insurance, you’ll need to provide full and accurate information about your medical history or you could invalidate your policy.

If you have cystic fibrosis, you’ll have to declare how much medication you take and any urgent hospital admissions you’ve had in the past year as a result of your condition. You’ll also need to answer additional questions on how easily you become short of breath and whether you’ve been prescribed oxygen outside of hospital.

If you have other pre-existing conditions, including those associated with your cystic fibrosis, these will also need to be declared. This can include diabetes or a kidney impairment.

Will an insurance provider approve my application?

When you compare travel insurance with us, you’ll need to disclose your medical history and we’ll return quotes on insurance providers that are willing to provide cover.

A travel insurance provider may decide to cover your pre-existing conditions at a higher premium or with a higher excess, offer cover with very specific restrictions or offer a standard policy that excludes your pre-existing conditions.

Does it matter where I travel to?

It’s worth finding out about medical facilities at your destination in case you need care while you’re away.

What should I consider when travelling if I have cystic fibrosis?

Keep your travel insurance provider’s details with you in case you need to contact them while you’re away.

If you’re flying, aim to get to the airport early to deal with potential problems around you taking your medication on the plane. You’ll need a letter from your doctor stating what medication you have with you and that you’re fit to fly.

If you suffer from diabetes as a result of your cystic fibrosis, make sure you carry your insulin in a cool bag in your hand luggage. If you use an insulin pump or have a glucose monitor, then notify the airline before you board.

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

A European Health Insurance Card (EHIC) gives you free or discounted medical aid in state-provided healthcare facilities in many European countries, on the same terms as a local resident. However, it’s not a replacement for travel insurance and it won’t cover you for treatment at a private hospital.

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 travel insurance policy for you by comparing policies from some of the market’s leading providers. Once you tell us about yourself and any pre-existing conditions, we’ll show you what policies are available.

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