Travel insurance that meets your needs - Diabetes UK

Travel insurance that meets your needs

Coming soon, our annual travel policies will soon have no upper age limit. keep an eye on this page for more information.

Diabetes UK Insurance Services helps protect you while you are enjoying a break away.

Talk to our friendly and sympathetic team today, they will take the time to look at your individual needs, we won’t rush to get you off the phone, being a personal and long established service.

The team talk through everything that needs to be taken into account – for example, if you take medications, we don’t need to know their names, but need to check what you take them for, and how many.

Buy online and receive a 10 per cent discount

Or buy online - when you buy your cover online you will receive a 10 per cent discount off your premium. Also, when you buy online, should you need any Get a quote onlineassistance, you can use our ‘Web Chat’ facility. Simply click on the ‘Live Assistance’ box and a member of the team will be able to help you through the process.

Please note that you are not automatically covered for diabetes before beginning the online travel insurance process. Diabetes and any other pre-existing medical conditions and disabilities should be individually selected.

Gold, silver and bronze travel insurance

You can purchase from three levels of cover – Gold, Silver and Bronze. All cater for people with diabetes, their families and friends travelling with them.

The benefits of all Diabetes UK travel insurance policies:

  • All medical conditions included
  • Cover for the whole travelling party, essential in the event of medical emergency, in order to be brought home together.
  • No separate referral for medical screening. Our questions are designed to assess your individual condition.
  • Worldwide cover is available.
  • No upper age limit on our single-trip policies.
  • Annual Worldwide policies available up to age 75 or up to age 70 if including USA, Canada and the Caribbean.
  • Single-trip policies available up to 365 days. (May be restricted to 92 days depending on age, destination and health.)
  • Annual multi-trip policies cover trips up to 45 days.

Gold, Silver and Bronze have varying excesses and levels of cover to suit your needs, ask us for more details, or read more in our full policy details and Terms and Conditions, by clicking on the link below: For full policy details and Terms and Conditions, please refer to the policy wording from the online policy booklet.

Get a quotation today

Call today for information and a no obligation quotation on 0800 731 7431, or email diabetes@ajg.com.

Our specialist representatives are available Monday to Friday 8.30am-6pm and Saturdays 9am-1pm.

Claims

In the event of having to make a claim, please make use of the relevant travel insurance claims forms.

Get covered and donate to Diabetes UK

For every policy sold, Diabetes UK Insurance Services will make a donation to Diabetes UK at no additional cost to you.

Egypt - current situation

As you will be aware there has been an escalation of violence in Egypt in recent days and weeks and this is a situation we are closely monitoring. As far as advice from the FCO is concerned, there is general advice against all but essential travel to most parts of the country, including Cairo. However, this does not include the main tourist resorts where we have most of our medical cases and where most policy holders travel to in Egypt.

It’s important to note that you must not travel against the Foreign Commonwealth Office’s (FCO) advice as policyholders will not be covered for the trip at all in this situation.

Please refer to your own specific policy wording to see what is covered in terms of cancellation, abandonment, travel delay and any travel disruption upgrades where applicable. Most policies do not cover civil unrest and nor do any travel disruption upgrades that we underwrite therefore each traveller needs to check their policies for exclusions relating to civil unrest.

We will allow for insurance to be transferred to new dates if anybody can no longer travel due to the FCO advice. The trip must have been booked before the FCO advice became publicly available.

Please note that if you change travel dates with your holiday provider because of the FCO advice against travel to this destination, then you can change your insurance dates to fit the new trip dates to within 3 months of the alteration date. By doing this you forfeit any claim relating to the original trip you could not take.

We will keep you updated with any developments on the current situation.

The dangers of travelling without proper cover

Most standard travel policies will have a pre-existing medical conditions exclusion. If you travel with a medical condition and then had to make a claim then any medical costs relating directly or indirectly to that medical condition would be excluded. This means treatment for your condition and any complications will not be covered.

Insurers require disclosure of pre-existing medical conditions of all members of the travelling party, even if not covered under the same policy e.g. a husband and wife. Failure to do so may lead to a claim being rejected. This is why Diabetes UK Insurance Services always suggests that all members of the travelling party are insured on a travel policy covering pre-existing medical conditions.

The European Health Insurance Card (EHIC)

If you use the European Health Insurance Card (EHIC) to reduce the cost of any medical treatment, then the £50 excess for each and every claim for Medical and Emergency Expenses will not apply.

Please note that the EHIC is not a replacement for travel insurance. The EHIC allows you to access state-provided healthcare in all European Economic Area (EEA) countries and Switzerland. There are conditions and restrictions as to what is covered and the EHIC does not provide any cover for repatriation.

Full details of the cover provided by the EHIC can be found on the EHIC website. This also provides a link giving you details of the conditions and restrictions in each country. 

Diabetes UK Insurance Services is a trading name of Heath Lambert Limited which is authorised and regulated by the Financial Conduct Authority. Registered Office: The Walbrook Building, 25 Walbrook, London EC4N 8AW. Registered No.: 1199129 England & Wales. www.gallagherheath.com www.gallagherheath.com



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