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.

Patrick Ikhena
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

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 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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