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Cystic fibrosis travel insurance

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.

Patrick Ikhena
From the Travel team
3
minute read
posted 9 OCTOBER 2019

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

As of 23rd Match 2020, the UK Government announced a series of restrictions to travel, public spaces and gatherings. For a minimum of three weeks, people are being instructed to stay at home whenever possible. For this reason, travel insurance policies purchased from this date, for trips within the UK with a start date before 13th April 2020, will not be valid.
 
The UK Government also instructed all British tourists and travellers, that are currently abroad, to return to the UK as soon as possible.
 
As of 17th March 2020, the Foreign and Commonwealth Office (FCO) have advised against all non-essential travel abroad for an initial period of 30 days. This means that any travel insurance purchased from this date, for trips outside of the UK with a start date before 16th April 2020, will not be covered by the provider.
 
Coronavirus was declared a pandemic on 11th March 2020, so this may also affect your policy, particularly those taken out on or after that date. Please check any existing policies carefully, to find out what you’re covered for.
 
For more information please see our coronavirus and travel insurance page.

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.

**UK residents can use their EHIC after the 31 January during the transition phase of the UK leaving the EU. This means that the EHIC can continued to be used in the same way until the 31 December 2020. What happens to the status of the EHIC after the transition phase will be decided as part of the negotiations on the future UK-EU relationship.

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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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