Diabetes and heart disease
Travel Insurance for People with Diabetes
A group for people with Type 1 and Type 2 diabetes to demand a fairer deal on travel insurance
Diabetes can be managed, so insurance shouldn't cost the earth.
If you have diabetes, in the UK, travel insurance can be very expensive to arrange. We think that's unfair, and we'd like to help change it.
So why is travel insurance for diabetics so expensive? Well, it's because insurers regard diabetes (in their terminology) as a "pre-existing medical condition". Because a lot of their costs relate to medical claims made abroad, they charge more for holiday insurance to customers who they think are more likely to make a claim because of their medical history - including people with diabetes.
However, we think the extra costs of diabetic travel insurance are excessive, given the cost of claims actually made by people with diabetes when on holiday. So, just in time for World Diabetes Day, we created this group. Our promise was that if 100 people with diabetes registered interest, we would open a dialogue with insurance companies, to negotiate cheap travel insurance for the group. And that's exactly what we've done - you can read about this in the Current Offer section.
If you know other people with diabetes, why not invite them to join the group too? The more people we have on board, the better the offers we can agree.
Finally, if you have other medical conditions associated with you diabetes, you might also like to join our Travel Insurance with Diabetic Complications group.
Not ready to buy yet? Let us know when to send you a reminder.
2015
2016
1381 Members
-
Tina
Member since yesterday
-
Mike
Member since 22 Feb 2015
-
-
-
-
-
-
-
-
-
-
Not interested but know others who might be?
8.6% discount on Diabetes Travel Insurance, from traveladder - exclusively for members
We’ve scoured the market to find you the best value options if you have diabetes. The severity of your condition will have the biggest impact on your travel insurance quote. If you consider your diabetes to be mild and without complications, we think these 3 options can provide good value:
- Member exclusive offer: Try Traveladder first - we've negotiated an 8.6% discount exclusively to members of Bought By Many which means they provide excellent value - you won't find this offer anywhere else. Just click on get a quote.
- Try the mainstream: Price comparison sites are getting better at offering fairer cover for people with mild diabetes. Try confused.com if you’re looking for a mainstream insurance provider.
- Recommended by other members: We’ve had positive feedback from other members that TopDog Insurance offers a very competitive quote.
Do you suffer for complications related to your diabetes?
Unfortunately, if you have complications related to your diabetes, finding a competitive quote can be more of a challenge. To help you get the right level of cover at a fair price, we’ve created a new group travel insurance with diabetic complications. Join the group to get a 12.5% Bought by Many discount with Free Spirit – they have a deep understanding of diabetic complications and no age limits for their policies.
Not ready to buy yet? Let us know when to send you a reminder.
2015
2016
The bigger the group gets, the stronger its negotiating position with insurance companies becomes.
Total Members: 1,381
-
lesley · joined 11 Jan 13
Recruited 1 person to the group
-
Cristina · joined 15 Jan 13
-
Alix · joined 14 Nov 12
-
Lesley · joined 28 Nov 12
Recruited 7 people to the group
-
Carol · joined 21 Nov 14
Recruited 6 people to the group
-
Hazel · joined 28 Jun 14
Recruited 6 people to the group
-
Kevin · joined 25 Sep 14
Recruited 5 people to the group
-
Adeline · joined 26 Jul 14
Recruited 5 people to the group
-
Craig · joined 30 Nov 12
Recruited 5 people to the group
-
Heather · joined 26 Sep 14
Recruited 4 people to the group
-
Terry · joined 04 Nov 14
Recruited 3 people to the group
-
Roz · joined 26 Sep 14
Recruited 3 people to the group
-
Nicola · joined 24 Aug 14
Recruited 3 people to the group
-
Gaynor · joined 10 Aug 14
Recruited 3 people to the group
-
Naomi · joined 05 Jan 13
Recruited 3 people to the group
-
Alan · joined 01 Dec 12
Recruited 3 people to the group
-
Mark · joined 17 Nov 14
Recruited 2 people to the group
-
Elizabeth · joined 13 Nov 14
Recruited 2 people to the group
-
Jan · joined 10 Nov 14
Recruited 2 people to the group
-
Paul · joined 09 Nov 14
Recruited 2 people to the group
- Page 1 of 70
- Next
Community questions and answers
-
I have type 2 diabetes and inject twice a day . Because I was taking a diabetic drug called rosiglitazone which can cause heart disease I have had 4 heart attacks the most recent been November 2014 ( I have 9 stents ) does anyone know if there is any insurer that will insure me , as every one that states ' pre existing illnesses considered ' all decline me and suggest that I should not travel with out cover . This is so unfair that the travel insurance industry is discriminating me from travelling ! Does anyone know of any insurance company that would accept me !
David 4 weeks ago
-
Hi David, We agree this is very unfair! We hope to help make the insurance industry better for everyone, including those with medical conditions. We have a group for people who have been refused cover elsewhere. It's with Clear and Simple - a company specialising in covering those with conditions which make finding travel insurance difficult. You can join through this link - https://boughtbymany.com/offers/cover-for-people-who-have-been-refused-insurance/ Let us know if you have any further queries.
Ronny (Bought By Many staff) 4 weeks ago
holidays
-
I am type 2 diabetis and am also on other medication we hope to travel to europe later this year. Last year we went to Portugal and I had to pay a small fortune for travel insurance. I am on tablets for the diabetis but I could make sure I had plenty with me if we travel. Is it possible to get cheaper insurance. Beatrice Smith.
Beatrice 1 year, 10 months ago
-
Hi Beatrice, and many thanks for your question. Unfortunately people with Type 2 Diabetes often find it tricky to get cheap travel insurance. The good news is that we recently negotiated a 12.5% discount on diabetes travel insurance for members of this group with Free Spirit Travel Insurance - a company who specialise in arranging travel insurance for people with diabetes and other medical conditions. Just click on the "Apply for current offer" button if you'd like to get a quote. Alternatively, if you'd rather wait until nearer the time of your trip to Europe, you can set a reminder by clicking the "Current Offer" tab. Best wishes, Sam
Sam (Bought By Many staff) 1 year, 10 months ago
Travel
-
I need to inject twice a day after doing tests to find out how many units i need very hard to do on a plane no where private to do it without people looking at you. I want to travel from England to the Philippines and because I'm disabled as well after losing a leg and also having operations for skin cancer no one will touch me for insurance which is not really fair on me
OM 2 years, 3 months ago
-
Hi OM, can I ask which travel insurance companies you've spoken to in the past? Sam @ Bought By Many
Could you help us speed up negotiations?
-
We're currently in negotiation with two travel insurance companies to get a deal for the group. One of the companies has asked us if 3 members would be happy to get a travel insurance quote from them, in order that they can calculate the discount they'll be able to offer more accurately. This would simply involve filling in a short questionnaire online, and it would help us arrange a deal more quickly. It doesn't matter whether your diabetes is Type 1 or Type 2, where you're going on holiday, or whether you're looking for annual travel insurance or cover for a single trip. If you'd be happy to do this, please email [email protected] and we will send you a link. Many thanks, Sam
Diabetes
-
Hi everyone...it would be interesting to know how many of us have actually needed to use travel insurance when abroad. I have had diabetes 48 years and love travelling...and I have never needed to use it. Cheers Alix xx
Alix 2 years, 3 months ago
-
That's a great question Alix - we'd be really interested to hear if people have ever claimed on their travel insurance for reasons to do with diabetes - it could be a very helpful point for us to put to insurers. Cheers, Sam @ Bought By Many
-
When the volcano went up in Iceland I got stranded in Spain - it was really no hardship as was staying with my son. I ran out of Metformin and thought I would have to make a claim but it was just so cheap to buy the stuff over the counter (something like 3 euros for a months supply) that it wasnt worth even making a phone call about it.
Suzie 2 years, 3 months ago
-
hello my name jean wood like two see much travel insurance wood be l inject 6 time a day and have lot more wrong with me thanks
Jean 2 years, 1 month ago
-
Hi Jean, thanks for your question - I will email you some information about where to find quotes for travel insurance with medical conditions. Can I ask if there's anywhere in particular you are thinking of travelling to? The destination can make a big difference to the cost, becuase of the different healthcare arrangements that exist in different countries. Thanks, Sam
type 2 and the elderly
-
hi my hubby is type 2 He is 77, i am trying to get travel insurance for him so we can go and visit our son in Dubai at the end of February. i have tried AgeUK who insured him 14 months ago for £180 but don't want to know now as he is over 75. i have trawled the internet and came up with quotes ranging from £280 to £884 ! how can these companies justify their quotes we have been abroad many times and never used the insurance. why cant these companies run a no claim discount bonus scheme. worked on the more you travel the more cash you et knocked off. it would be wonderful if you could also add aged people with diabetes to your site, this would help people like me from spending days on the net and phone trying not only to find a good deal but the right deal for them.
Bel 2 years, 1 month ago
-
Hi Bel - Many thanks for a very thought-provoking post. In general, travel insurance does become dramatically more expensive for anyone who is over 75. For similiar reasons to the ones you describe, we think that's unfair, and we've launched a separate group for older people - see https://boughtbymany.com/offers/travel-insurance-over-65/ And of course, existing medical conditions like Type 2 diabetes only make matters worse for older people when it comes to arranging travel insurance, even if - like your husband and other people in this group - you've travelled regularly and never made a claim. On a positive note, our negotiations with the travel insurance companies I mentioned in my post last week (see below) are going well, and we expect we'll be able to arrange a deal that has no upper age limit - so fingers crossed that will give you a better option to insure your holiday to Dubai than the quotes you've had so far. Best wishes, Sam
Related OffersView all
Travel Insurance Over 85
Status: Offer Available
what is this ›
A group for people Over 85 to club together and save money on travel insurance
Travel Insurance Over 65
Status: Offer Available
what is this ›
A new group for people over 65 to club together and get a fairer deal on travel insurance
- 1424 Members
Over 50s iPad and iPhone Insurance
Status: Offer Available
what is this ›
Join other Over 50s for a 22% discount on insurance for your iPad and iPhone
- 122 Members
- 2294
- 131
What they're saying on Facebook
Join 1381 others
8.6% discount on Diabetes Travel Insurance, from traveladder - exclusively for members
Some of us don't get to go anywhere that requires holiday insurance because money is too tight!
Yes 30 yrs I,ve been caught on it
You get a fit lad nothing wrong with him cheap insurance he goes on his hols drinks to much do nt know what he s doing falls down braek s bones diabetes are not aloud to drink to much or eat to much who would you insure
I get free travel insurance with my account at Barclays, never had a problem before, I have to declare it and they always accept me
Just Go Travel Insurance £25.14 for a European yearly policy, covering my diabetes and other pre existing conditions. Buy it through a cashback website and get money back as well. No brainer
Although I am a Diabetic can't say I have ever experienced this,tend to use GoodtoGo insurance,think there reasonable! 😄
Same with Epilepsy.....it's wrong!
Thanks x
InsureNgo. Specialist insurance for pre existing conditions.
My nana had diabetes and kept it under control so why declare it to get higher insurance!!!!
I have never been abroad, and probably never will now!... But it is an unfair system for anyone with long tern illnesses like myself! :(
I only pay an extra £1.50 on my annual policy for 3 extra medical conditions including diabetes. The policy is about £38.00per year without any excess
Why tell them in the first place??
Mine is about the same through Medici
My holiday insurance is usually about £35 short haul &£40 long haul. Which is basic plus specific medical cover for my diabetes plus 3 other conditions. I think its a very reasonable price for the more than adequate cover I get with a low excess too. Im not sure where diabetics are going for their travel insurance. .......
Fantastic hunni xx
Axa covered me 1 wk Sept £32 57 I have type 2, high blood pressure, high cholesterol, and 2 hip replacements. Best i could find.
I can't get a yearly cover anywhere ,have tried ! Can only get a one trip cover cheapest was £89 for two weeks in December ....type 2 .
I have insurance through diabetes for few yrs now over last 2 months developed back pain which is being investigated phone insurance to see if I Am covered ? Told I am only covered if diabetic problem I cannot say what it is as still being test being done , kidney etc. So no further forward really helpful NOT!
If you have type 2 diabetes would you still need this travel insurance? I have travel insurance with my bank?
My bank only charged me £5,80 extra for my daughter, which I thought was good
My free travel insurance from the halifax bank costs me £80 a year.......
Agree !!!
I have to by special insurance for colly and it's mega expensive
Try getting life insurance all the companies I have approached say no.
Never had a prob its only if ur type one its usually the prob xx
Never had a problem even on free insurance and I'm type 1. However add back surgery and your stuffed!
Never had a problem.
That is so true !
Most definitely too expensive even if you are just on tablets
The co-operative travel white horse
I got a insurance in April as was going to canada im on insulin and tablets , also asthmatic had a asthmatic attach had to stay in hospital so couldn't go im trying to get my money back still .
I have had no problems with insurance, natwest covers everything with my gold account.
Last yr my holiday ins we tescos for family of four one with type 1 and one with blood clot £67.99 don't think dear at all just shop about
Malta.
I don’t travel. With my luck if i were to go somewere war would prob break out.
I was quoted £545.00 for a two week holiday last year....
i couldnt get insurance so this is lies,apparently im to sick with diabeties.if u dont believe me try and see
Iraq.gaza.Ukraine. And Angola. Wouldn't matter. I got cheap insurance BUT would they pay up if anything happened. Probably not.
Wil try it when we go to Florida
I wish can't get life insurance too high risk got holiday insurance 200.00 but worth it would get me home of ill or dead
Thanks min will try it when i go to jamaica next january xx
Corfux
Mexico
Seychelles
Perranporth
Tokyo
BARBADOS..
oh far East Asia x
ALCUDIA,, X
Someone on here said should be same as normal person. Being diabetic does not make anyone abnormal!
I requested a response from Legal and General. After 4 years, and repeated request, they have refused to respond. My query to them was, as I was diabetic, they increased my premium by about 6x the normal rate when requesting for a quote for life and critical illness cover. But the policy stated that if I die of any diabetic related illness (as I had this illness prior to taking out the policy), these will be excluded for such claims. My argument is then, if you are excluding this from the policy, then I don't understand why they are increasing my premium. On the contrary, the quote should now be lowered as they have omitted one of the possibility of death claim. Does anybody else have the same problems with insurers like I have?
After 30 yrs of it i havent had a problem with my insurancex
we ended up buying a funeral plan life insurance very very dear for heart patients
holiday insurance astronomical costs us a lot 265 pounds for this yr
Life insurance i need hope its no to high only type 2 thanks for your question
Never had a problem
Never found my car insurance any different I'm also assessed every 3 yrs too
Car insurance do not penalise me nor travel insurance xx
Wonder why ok for sum difrent for others same illness
Not penalised by car insurance and insure and go very fair with travel
Never found any difference in my car insurance. And my licence assessed every 3 years
Here here x
It's shud b same as normal person it's not just holiday insurance that's ridiculously expensive it's their car insurance too talk bout punishing people with diabetes
Insure and go are brilliant for diabetics and I had to use them and they were fantastic when making a claim 😃
Michael Wilde
I have had type1 for 25 years(I'm 38). 20 years ago I was discriminated against with car insurance but know days there is no difference as long as you declare it
We never have any problems either. Doesn't cost any more
My daughter is type 1 recently took her to Spain good price from Stay Sure
I am type 1 diabetic looking 4 cheap insurance can any body help
That's great Ian. I hope you don't mind me asking, who is that with? It's always useful for us to know which companies people are happy with! Thank you.
I don't pay any more with my insurance Maybe it's built in but no extra as it seems to be standard along with a lot of ailments
We paid more because it asked if my son had been in hospital in the last 12month which he had because he had been diagnosed within the 12month so paid more...
Im t2 on insulin only cost £26 for me n my son on single trip.
My daughter is.. And it's unfair.. Wendy Smith
I am a type 1 diabetic I have no problem with my insurance I pay no extra just make sure you tell uour insurance company x