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

About this group

Holiday, Travel Insurance for People with Diabetes

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.

Sam Gilbert By Sam Gilbert

1,445 Members

  • Phil

    Phil

    Recruited 1 person to the group

  • patricia

    patricia

    Member since yesterday

Not interested but know others who might be?

Community questions and answers

Why did the extra cost so much

View all 2 answers
  • avatar for Georgina Georgina 4 months, 2 weeks ago

    In Jan,we had a holiday in canaries for 3weeks and our holiday insurance was fine at £95 for two and then a £45 and a £9 extra was put on top,, the bigger one was because he was on the pen diabetes and mine well I got a lot of things wrong but mine was fair but should we pay so expensive for travel insurance

  • avatar for Heidi Heidi (Bought By Many staff) 4 months, 2 weeks ago

    We don't think so Georgina. We hope to make travel insurance more affordable with people who have many different medical conditons. We understand there is more of a risk associated with insuring somebody who is unwell, but the insurance companies do penalise people very heavily and we don't think that is fair. We are constantly trying to negotiate better deals for our customers. Thanks so much for getting in touch. Kind regards Heidi

Diabetes and heart disease

View all 2 answers
  • avatar for David David 7 months ago

    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 !

  • avatar for Ronny Ronny (Bought By Many staff) 7 months 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.

  • avatar for Beatrice Beatrice 2 years, 4 months ago

    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.

  • avatar for Sam Sam (Bought By Many staff) 2 years, 4 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

  • avatar for Georgina Georgina 4 months, 2 weeks ago

    Well yes and no

  • avatar for OM OM 2 years, 9 months ago

    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

  • avatar for Sam Sam (Bought By Many staff) 2 years, 9 months ago

    Hi OM, can I ask which travel insurance companies you've spoken to in the past? Sam @ Bought By Many

type 2 and the elderly

View all 2 answers
  • avatar for Bel Bel 2 years, 7 months ago

    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.

  • avatar for Sam Sam (Bought By Many staff) 2 years, 7 months 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

  • avatar for Alix Alix 2 years, 9 months ago

    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

  • avatar for Sam Sam (Bought By Many staff) 2 years, 9 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

  • avatar for Suzie Suzie 2 years, 9 months ago

    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.

  • avatar for Jean Jean 2 years, 7 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

  • avatar for Sam Sam (Bought By Many staff) 2 years, 7 months 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

Could you help us speed up negotiations?

View answer
  • avatar for Sam Sam (Bought By Many staff) 2 years, 7 months ago

    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

Start a discussion

What people say

Not ready to buy yet? Let us know when to send you a reminder.

Related Offers

As featured by

Sunday Times logo
Radio 4 logo
Wired logo