Travel Insurance for Diabetics

You must declare pre-diabetes as a pre-existing medical condition, along with any other medical conditions you may have. If you don’t, you may not be covered if you need to make a claim.

Read our blog to find out more about what medical conditions you need to declare on your travel insurance.

When it comes to travel insurance, type 2 diabetes is a pre-existing condition, even if you take no medication for it. That means you need to let us know about it when you take out cover.

The following are also classed as pre-existing medical conditions for travel insurance:
- Type 1 diabetes
- Gestational diabetes during pregnancy
- Pre-diabetes

Our handy guide to travelling with diabetes is full of tips to make your next holiday as stress free as possible.

You should take your GHIC or EHIC when travelling to Europe - it’s a condition of our insurance - but these cards aren’t the same as having proper cover.

These schemes mean you can get emergency medical care for free or at reduced cost when travelling in Europe (excluding Norway, Iceland, Liechtenstein and Switzerland).

But you can’t rely on them for anything else. You might still have to pay for large portions of any medical bill, and they won’t cover the cost of cancelled trips, lost baggage or getting you home in an emergency.

Everyone’s situation is different, but you can expect to be asked the following sorts of questions:

Is the person who has diabetes over 16?

Do you take medication for your diabetes?

How many unplanned hospital admissions have you had in the last two years?

Do you have high blood pressure or cholesterol and are you taking medication? (You will also be asked whether it has been prescribed/dosage has been increased in the last six months.)

Do you have any of the following conditions relating to your diabetes?
- Impairment of kidney function
- Angina and/or heart attack and/or narrowed arteries of the heart
- Peripheral vascular disease (causes poor blood supply to legs)
- Leg or foot ulcers
- Retinal (eye) damage
- Nerve damage
- Amputation of leg, foot or toe
- Stroke
- TIA (mini-stroke).

To be covered for COVID on our policies, you need to have had all doses of the COVID vaccine you’ve been offered, including any booster jabs.

You can also be covered if you can’t have the vaccine due to a medical exemption.
If you’ve refused any doses of the COVID vaccine you won’t be covered for COVID related claims.

You can make changes to your policy before your trip starts, subject to the T&Cs of your policy.

If you need to update your medical details or add any optional extras, please login to your My Staysure account.

You might need to pay an extra premium for any changes to your medical cover.

Please note, we can’t reduce your cover in return for a partial refund. So, check you’re happy you’ve got the right level of cover when you take out your policy.