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Can I get travel insurance if I have allergies?
We may cover allergies as pre-existing conditions for your travel insurance, giving you valuable protection while you explore the world. Just let us know about your conditions when you get a quote, which is easy with our quick medical screening.
Having proper protection means you can embrace your travels to the full. And if something doesn’t go to plan? Our award-winning travel insurance is here to cover you.
Why get travel insurance for allergies with Staysure?
We’re the UK’s number one travel insurance provider, based on Trustpilot reviews.
We’re experts in covering allergies and other pre-existing medical conditions.
We provide 24/7 emergency medical assistance during your trip.
Our Comprehensive and Signature policies offer unlimited emergency medical expenses cover.
How Staysure travel insurance for allergies works in three easy steps
To get cover, you’ll need to declare your allergies and any other pre-existing conditions to us when getting a quote for travel insurance. We make it easy to tailor a quote to your trip and health condition(s).
1. Tell us about your trip
We’ll need a few quick details to get started:
If you need cover for one trip or multiple trips.
Who the insurance is for.
Where you’re going and how long for.
2. Let us know about your allergies
Our simple medical screening helps us understand you better and the care you could need abroad.
Some of the things we’ll ask about:
The severity of your allergies.
Any hospital admissions.
Don’t forget to let us know about any other pre-existing medical conditions.
3. Get your quote
If you complete the screening and we can cover you, your tailored quote will be available to view online, and emailed to you. It includes travel insurance tailored to cover your condition(s).
Explore and choose from three levels of cover to suit your needs (as below).
Choose optional add-ons to tailor your quote to your trip, including winter sports or cruise plus benefits.
We understand that having a serious allergic reaction abroad is a concern for many people with allergies. We’re here for you and can help arrange:
Immediate medical treatment for unforeseen emergencies, including severe allergic reactions
Access to 24/7 emergency medical assistance team while abroad to help locate appropriate medical facilities
Direct payment to hospitals for covered medical expenses over £350
In a medical emergency always contact local emergency services first.
We understand it may be vital to have your allergy medicine or auto-injectors to hand while travelling. But if anything is lost, damaged or stolen, it can be tricky to track down replacements abroad. With our Comprehensive and Signature policies, we offer Personal Assistance Services for situations just like this.
That support includes:
Help finding local pharmacies that stock your medications
Connecting you with English-speaking health professionals
Support with confirming prescriptions
Please note, the cost of replacements is not a covered expense.
If your health means you have to cut your trip short, we’ll cover the full costs to bring you home, including
Additional travel/accommodation costs up to £2,000
Extra expenses for a qualified medical escort, if required
Extended accommodation costs if you’re medically unable to travel
Expenses for family member/companion to stay with you or travel from UK if necessary
How much does travel insurance cost with allergies?
We don’t think that living with allergies should have to mean paying the highest premiums. That’s why our screening asks how your condition affects you and how you manage it.
You can find out how much your policy costs in minutes using our straightforward medical screening when you get a quote.
Proud to be a part of BIBA's medical directory
For people who have trouble finding travel insurance for pre-existing medical conditions, the British Insurance Brokers' Association (BIBA) has a directory of specialist insurers, like us!
To find out more, or if on the odd occasion we are unable to provide the cover you need, contact BIBA on 0370 950 1790. You can also search BIBA's medical directory online.
Flexible cover add-ons to suit you
Tailor your insurance to your trip with optional add-ons. Everything you need, covered under one policy.
With allergies, the right travel insurance can provide vital reassurance
“In the UK, about 1 in 4 people will be affected by an allergy at some point in their life. With the right planning, travel can be part of life regardless of your allergies, and travel insurance is part of those preparations.
”
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Have used staysure quite a few times
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Great travel insurance to have, I’ve had this policy in place for a number of years and only claimed once but when I did staysure couldn’t be more helpful, claim was agreed and settled in no time at all
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Plan your trip with the right cover
We’re experts in travel insurance for pre-existing health conditions. Just let us know your conditions when you fill out your quote, or contact us to amend an existing policy.
Allergies can cause worry on a trip. But there are some things you can do in advance that can offer some reassurance.
Pre-travel checklist for travelling with allergies
Consider your destination – if you have a food allergy, look up the local cuisine to see what ingredients are commonly used.
If you’re taking transport like a plane or a coach, check their policies before you book to make sure they can support your needs.
If you use them, check you have at least two in-date adrenaline auto-injectors (AAI) such as EpiPen and Jext, and leave yourself enough time to order any replacements.
Review how to use the AAI you’ve been prescribed - it can differ depending on the brand.
Check the rules on bringing medicines in and out of your destination – some may need a signed doctor’s letter, which you can check with their embassy.
If you’re taking liquid antihistamines or steroid creams and they’re over 100ml, make a copy of your prescription to take with you.
Refresh yourself on your up-to-date allergy action plan.
Prepare translation cards to communicate your allergy to hospitality staff in the local language.
Get medical ID such as a bracelet or necklace – if you have an iPhone you can fill it out on your phone in the Health app.
Look up the local healthcare and emergency services in the area you’re travelling to and make sure you know how to use them.
Call the travel company before you go to let them know about your allergies and any special arrangements.
If you’re travelling in Europe, get a GHIC – remember, this doesn’t replace travel insurance.
Allergies are common, and we can usually cover them
“Make sure your allergies and any other conditions are declared and covered under your travel policy, so you can access emergency medical care and 24/7 assistance if needed. Keep your insurance provider updated about any changes in your conditions, and always carry your allergy action plan and medication when travelling. ”
Tips for travelling with allergies
Translation cards explaining your allergies
Any medication you’re taking such as antihistamines or steroids, and a copy of their prescription
At least two adrenaline auto-injectors such as EpiPen and Jext, in a medical bag to maintain their temperature
Loose fitting, comfortable cotton clothes
Plenty of moisturiser – you should always stick to your usual routine, but you may find that your skin is drier than usual when you’re away
Non-perishable snacks and foods that you’re able to eat and carry with you
Wet wipes so you can wipe down your seat area to avoid contamination
Sun protection – sunscreen and a wide-brimmed hat is essential to protect sensitive skin
People with food allergies can still dig into the local cuisine. Here are some tips to keep in mind so you can treat yourself with confidence on your trip.
If you’re flying, you may want to check the airline’s management policy in advance
Check out the menus online before going to make sure there are things you can eat
Avoid buffets as there’s a higher chance of cross contamination
Keep your translation card on you to show staff
Always keep your adrenaline auto-injector (AAI) like your EpiPen on you so that it is easily accessible and within reach
Depending on your allergies, your accommodation can make a difference to feeling comfortable on your trip. You may want to consider a place with:
HEPA air filters
No smoking or pets
Hypoallergenic bedding and linens
Carpet-free floors and minimal furnishings to reduce dust
Many hotels can offer allergy-free rooms to those that need it so always check with them before you book.
If you have a severe food allergy, you may want to find accommodation with cooking facilities so you can prepare your own food.
Common questions for travelling with allergies
If you’ve had symptoms, tests, appointments, treatment, medication or hospitalisation for allergies in the last two years, you need to declare it on your travel insurance. If we don’t know about your allergies, we won’t be able to cover you if you need to make a claim for any medical expenses abroad.
We may be able to cover:
Drug allergies
Nut allergies
Food allergies
Other allergies
If you’re unsure whether your allergy can be covered or you want to find out more, give a friendly member of our team a call.
You can carry an EpiPen on a plane. Always bring at least two adrenaline auto-injectors in your hand luggage in case you need them while flying.
You may need a copy of the prescription or a letter from your GP or allergy specialist explaining what they are for security. Some doctors may charge for a signed letter, which isn’t covered by travel insurance.
You may wish to check with the airline in advance, but you should be able to take allergy medicine such as antihistamines on a plane. See the above FAQ for information on taking EpiPens on a plane.
It’s best to keep all your medication in their original packaging with a copy of their prescription in your hand luggage, especially if they’re liquids or creams over 100ml.
Before travelling with medication, check with the embassy of your destination country whether you need a signed letter from your doctor.
Some countries, such as Turkey, India and Pakistan have strict rules on medicines you can bring into the country. You may wish to check with the country’s embassy or consulate whether allergy medicines are controlled and if you need any paperwork needed to travel with those medicines.
Hopefully, you won’t have to worry about an allergic reaction when you’re away. But make sure you know what to do if it does happen.
Always follow your allergy action plan. This may include using your adrenaline autoinjector immediately if you have symptoms of anaphylaxis.
In an emergency, always call local emergency services.
Then, call our 24-hour emergency helpline. Our team will help arrange your care, find the most appropriate place for treatment and follow up care.
If you or someone on your policy is admitted to hospital or your outpatient treatment is likely to cost more than £350, contact us as soon as possible. Where you have a valid claim, and your medical expenses exceed £350 we will look to settle the bill directly with the medical provider where possible.
If you have a non-urgent medical concern, such as a rash, sickness, or headaches, contact our helpline first for advice on what to do next.
As good as travel insurance is, some things can’t be covered.
You’re not covered for:
Travelling against your doctor’s advice
Claims for pre-existing medical conditions you haven’t told us about
Routine check-ups, planned treatment or non-emergency care
Travel for medical procedures abroad
Reimbursement for lost, damaged or stolen medicines or equipment
Incidents related to alcohol or controlled substances
Strike action that was common knowledge at the time of booking
Choosing private treatment when suitable public facilities are available
Choosing not to travel
Discover more about what travel insurance covers. Always check your policy documents carefully to understand exactly what you’re covered for.
When comparing travel insurance policies for allergies, you’ll want to look out for what’s covered and what’s not.
The right travel insurance for allergies should:
Agree to cover your allergies and any other pre-existing condition(s)
Cover medical expenses, including necessary emergency travel home
Have a high medical cover limit
Help you replace lost, stolen or damaged medications
Cover you for cancellations or interruptions during your trip
Include 24/7 emergency assistance services while abroad
Learn more about what’s covered under our medical insurance for pre-existing medical conditions, or get a quote.
Stay in control of your account with My Staysure
You can make changes to your policy, online and in your own time with My Staysure.
It’s quick and easy to make changes to your policy online. If you need to make simple changes such as updating traveller details or renewing a policy that’s details are staying the same, just visit your My Staysure account.
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