Whenever you travel out of the country, it is important to have some sort of insurance. No one plans to get sick or break a limb but it does happen and it is important to be prepared just in case. When you live with type 1 or type 2 diabetes, it can be a bit more challenging to get travel insurance because diabetes is considered a pre-existing condition. This does not mean that you cannot get coverage, it just means that you may have to look a bit harder.
Why you need travel insurance?
As we have stated, insurance will pay for that unexpected trip to the doctor or the cast that they put on in the emergency room. Travel insurance, in some cases, can also cover things like missing your flight because of a low blood sugar or an insulin pump malfunction.
What is stable when it comes to type 1 diabetes?
In some cases, you may be required to provide the value of your glycated hemoglobin (A1C) in order to verify how well your diabetes is being controlled. Premiums can vary based on this value.
Some insurance companies will require your condition to be considered “stable”. The definition of stable can vary between companies. In some cases, they consider stable to mean that there has been no change in the number of units of insulin, type of insulin, or daily injection in the past 3-6 months. In other cases, if you have not had or been recommended for any test, examinations or medical treatments for the disease, AND your prescription medications have not changed in the past 3 months, your diabetes is not classified as a pre-existing condition. Therefore, travel insurance coverage may be available.
check your medical insurance at work first
Before you begin scouring the internet for plans, check with your employer. If you already have some form of health coverage through work, they might also cover international travel.
If you don’t have insurance through them, be diligent in your search for insurance and make sure that you read the fine print.
some companies that offer travel insurance for people with diabetes
Here are a few companies that we have found that offer travel insurance for people living with diabetes:
- Ingle International. https://www.inglegroups.com/diabetesinsuranceservice/
- Compare the Market analyzes and compares options in the UK https://www.comparethemarket.com/travel-insurance/content/diabetic/
- Arch Insurance Company https://www.roamright.com/travel-insurance-blog/travel-insurance-and-diabetes/
- Canadian Automobile Association
Before you travel, get our travel ebook. It gives you tips on packing, things to ask for at your destination, as well as how to manage your insulin pump on an airplane.