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.

Coronavirus (COVID-19) update: please check the latest government travel advice that sets out what you need to do, if anything, before you travel abroad and before you return home. You should also check the latest travel advice and entry requirements for each country you visit or transit through. Travel rules can change at short notice, so check the Foreign, Commonwealth & Development Office (FCDO) for the latest information.

Josh Daniels
Travel Insurance expert
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.

Customers with more serious pre-existing medical conditions

If you have a serious health condition, the price you pay for travel insurance is likely to be more expensive. However, there are still many providers out there and you should be able to find affordable cover. Whatever happens, don’t be tempted to lie to an insurance provider, because if you do and then need to make a claim, it could be rejected.

When you declare medical conditions on our website, we’ll only show quotes from insurance providers who will cover all declared medical conditions, with no exclusions. 

MoneyHelper has launched 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 MoneyHelper or by calling them on 0800 138 7777.

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.

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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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