Managing your diabetes can be a daily grind, whether it’s monitoring your diet or keeping on top of your insulin injections. If you’re planning a holiday, it’s vital you find a travel insurance policy that covers your diabetes in case anything happens. Luckily, Savvy can lend a hand.
By comparing with us, you can narrow your options to make it easier to find a travel insurance policy that covers diabetes, weigh up the pros and cons of different offers and lock in the best one for your needs. Don’t let being a diabetic hold you back: compare with Savvy today.
Can I purchase travel insurance that covers diabetes?
Most travel insurance policies cover Type 1 and Type 2 diabetes as part of their automatically included pre-existing conditions. You will mainly be considering coverage for diabetes if you’re travelling overseas, as you won’t need this coverage on a domestic travel insurance policy. Any medical-related costs while travelling on Australian soil will be borne by Medicare or your private health provider.
Most travel insurance companies require you to go through a medical assessment if you need to declare your diabetes. This includes answering a few questions over the phone about your condition or completing an online questionnaire. Insurance companies employ medical professionals who assess your case and recommend whether or not you can receive coverage for your pre-existing condition.
What are some of the conditions of diabetes travel insurance cover?
While people who suffer from diabetes can get coverage for their pre-existing condition under most travel insurance policies, you’ll need to meet some conditions to avoid paying a higher premium.
Providers usually require diabetics to meet the following so you can be covered automatically for any medical costs related to either Type 1 or Type 2 diabetes:
- Diagnosis: one of the conditions insurers place on you taking out coverage is that your diabetes was diagnosed a certain period before you purchased the policy. Depending on your chosen provider, this timeframe ranges between six and 12 months.
- No complications: to get coverage at no extra cost, you must prove your diabetes hasn’t caused complications such as issues with your kidneys, eyes, nerves or vascular system.
- Age: many insurance providers will only provide you automatic coverage if you’re under 50 or 60 years old, so it pays to check the fine print if you’re reaching middle age.
- Suffering other conditions: you can get additional coverage if you don’t suffer from cardiovascular diseases, such as hypertension, hyperlipidaemia or hypercholesterolaemia.
If you fall outside these requirements, you may need to pay a higher premium on your travel insurance to get coverage for your diabetes. While forking out more money can seem unnecessary, so are the out-of-the-pocket costs of hospital stays or medical treatment if you suffer any kind of illness, whether it’s a heart attack, stroke or chest pain related to your diabetes while you’re holidaying overseas.
Types of travel insurance
International travel insurance can offer cover for a range of events, including medical expenses, lost luggage or items, cancellation fees and more when you're overseas and a long way from home.
If you're journeying within Australia, domestic policies are designed to offer many of the same protections as international travel insurance (with the exception of medical expenses).
The most standard and common type of travel insurance, this policy can cover you for one trip starting and ending in Australia (and is available for both international and domestic travel).
As the name suggests, this type of travel insurance covers multiple trips over a 12-month period. Depending on your insurer, you may be able to take an unlimited number of trips up to 90 days each.
You don't have to have a return ticket booked to take out cover while you're overseas. One-way travel insurance enables you to access cover without a set end date, such as if you're moving temporarily.
You may need to take out specialist coverage if you're setting sail on a cruise. Fortunately, cruise insurance can cover emergency evacuation, cabin confinement and more.
Just because you're older doesn't mean travel insurance isn't still important. If you qualify for cover, seniors' travel insurance can offer greater peace of mind for included events while you're travelling.
Adding winter sports or ski cover to your policy can add protection against damage to your equipment, piste closure due to bad weather and activities such as back-country skiing, heliskiing and more.
Looking to enjoy some adventure sports on holiday? An adventure sports pack can grant you cover for a range of activities, such as hiking, scuba diving and motorcycle or scooter riding.
Jetsetting with the whole clan in tow? Some insurers offer family travel insurance, which enables you to include yourself, your partner and your dependent children under one policy to help you save.
If you're travelling interstate or overseas with your partner (or simply another friend or family member), you may be able to access a discount by taking out a joint or duo travel insurance policy.
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Top tips for travelling with diabetes
It’s worth making a trip to your GP before you head off on your highly-anticipated holiday. They’ll be able to give you an update on your condition and advise you of any risks while travelling. Medical professionals in Australia can also type out a letter detailing your condition, any medication you take and devices you use to manage your diabetes which you’ll need to provide to Customs officials. Pack extra medication
Work out how much medication you’ll need for your whole holiday and make you have additional scripts if you lose any on your travels or your return to Australia is unexpectedly delayed. Getting prescription pills while you’re overseas can be tricky, so it pays to be well organised. Keep the essentials at-hand
Make sure you carry all your essentials in your carry-on luggage so it’s close by while you’re in the air. For example, if you’re flying to India on a long-haul flight, pack your medication and testing devices into your handheld luggage so you can easily access them. You can get a National Diabetes Services Scheme (NDSS) card which authorities accept as proof you need to carry such devices and medication to manage your illness.
Whether you’re flying to Turkey or taking a trip to Bali, most airlines will only let you travel with 100ml of liquid onboard your flight. People who have diabetes and need to carry their insulin are exempt from this restriction, but they’ll need to check it in at the security checkpoint and present proof of their diabetes.
Frequently asked diabetes travel insurance questions
Helpful travel insurance guides
Explore your travel insurance options for your next destination
We do not compare all travel insurance brands currently operating in the market. Any advice presented above or on other pages is general in nature and does not consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.
Savvy earns a commission from our partners each time a customer buys a travel insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via their websites.
Before purchasing your policy, we recommend you refer to the provider’s PDS for any further information on the terms, inclusions and exclusions.