Diabetes Travel Insurance – Find The Best One!

Diabetes Travel Insurance – Choose the one that best meets your requirements. Of course, diabetes does not prevent you from travelling and vacationing. However, if you have diabetes, you should plan ahead of time. Finding diabetes travel insurance that meets your needs is a big part of that!

Diabetes Travel Insurance

Diabetes Travel Insurance

It’s not easy to find diabetic travel insurance. Most standard insurance policies, for example, will not cover any medical difficulties arising from a “pre-existing illness,” such as diabetes.

We’ll take a step-by-step look at the fundamentals you should know before signing up for your new DTI. Here’s what we’ll be talking about in this post (click to jump to any section):

What Exactly Is Diabetes Travel Insurance?

Your social security system is unlikely to pay medical expenses incurred when travelling outside of your nation. These costs can be several thousand dollars in the event of an accident, hospitalization, or expensive intervention, depending on the nation.

Furthermore, if you don’t have travel insurance or a financial guarantee, certain businesses will refuse to handle your case, even if it’s life-threatening. To offset these costs, it is highly recommended to purchase travel insurance that includes diabetes coverage.

However, what does DTI entail? Is it even necessary?

Do You Require Travel Insurance For Diabetes?

Most standard travel insurance policies exclude coverage for medical difficulties resulting from a “pre-existing condition.”

A pre-existing ailment is one that you have and are aware of prior to purchasing your insurance coverage. Diabetes, on the other hand, will have an impact on your coverage.

Of course, you have the option of not telling your travel insurer about your diabetes. After all, you may have everything under control and refuse to spend your money in that manner—or you could be a real optimist!

In such scenario, you should be aware that your coverage will be refused if something occurs to you that can be linked to your undiagnosed diabetes in any manner.

Insurance companies are crafty, and they will do all they can to avoid paying your claim by blaming it on your diabetes (be it directly or indirectly).

Diabetes Directly Related Claims

If you don’t tell your insurance about your diabetes, you won’t be covered for anything DIRECTLY connected to it. These are the most apparent circumstances, as seen in the examples below:

CASE 1: A travel insurance company refuses to pay for diabetes-related therapy.

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Robert’s blood sugar levels abruptly soar while in Italy, and he is unable to bring them back down. He must be transported to the hospital. He won’t be able to claim any compensation if his travel insurance coverage doesn’t include type 1 or type 2 diabetes as a “pre-existing disease.”

CASE 2: A travel insurance company refuses to fund diabetes-related therapy.

Anna, a type 1 diabetic, has just arrived in Thailand for a two-week vacation on the beach. Her insulin travel kit is taken on the beach two days later. Her standard travel insurance coverage will not cover the expense of new insulin in Thailand. Either she either purchase it herself or cut her vacation short and return home.

Indirectly Related Diabetes Claims

What we don’t often consider are the less obvious circumstances in which diabetes isn’t the direct cause of a medical problem, but has an indirect impact on it. A typical travel insurance policy will not cover you in most of these situations. A particular travel insurance for diabetics, on the other hand, will. Consider the following two examples:

CASE 3: A travel insurance company rejects coverage for diabetes-related therapy INDIRECTLY.

Marie, who has type 2 diabetes, contracts a tropical illness and has a high fever while travelling in Mexico. She might simply visit her doctor and obtain a prescription for fever-reducing medicine.

Her travel insurance would take care of it. However, her diabetes spirals out of control as a result of the fever, and she is unable to control her blood sugar levels. She will be admitted to the hospital for a few days.

ANYTHING IS NOT COVERED BY REGULAR TRAVEL INSURANCE. This is because she would not have needed hospitalisation if she did not have diabetes.

CASE 4: A travel insurance company rejects reimbursement for diabetes-related therapy INDIRECTLY.

John, who has type 2 diabetes, gets involved in an automobile accident in France and is rushed to the hospital.

It has nothing to do with his diabetes, a priori. Consequently, whether or not he has revealed his diabetes, he should obtain insurance coverage.

However, his physicians have noted in his medical file (which his insurance has access to) that his diabetic status supports keeping him under observation for a few days longer.

The insurance company will claim that the additional expenses are due to his undiagnosed “pre-existing disease,” and that the entire policy may be cancelled.

To be clear, notifying your travel insurer about your type 1 or type 2 diabetes is not a legal requirement. However, if you fail to do so, you will not be protected for the aforementioned and related situations.

Diabetes Insurance For Type 1 And Type 2

Declaring your diabetes to your insurer and purchasing specialized diabetic travel insurance, whether you have type 1 or type 2, might provide you with significantly more coverage. Here are a few things that standard travel insurance will NOT cover, but a travel insurance with diabetes coverage would:

Medication that has been misplaced or stolen (both insulin and or tablets)

Unexpected diabetes complications (for example, if your type 1 or type 2 diabetes necessitates hospitalization or costs);

You’re going to miss a flight because of your illness (whether you have type 1 diabetes or type 2 diabetes)

So, whether you have type 1 diabetes or type 2 diabetes, it is strongly recommended that you get diabetic travel insurance before departing, based on your health state and what you want to be covered for.

How Do You Pick The Right Diabetes Travel Insurance?

First and foremost, you should be aware that the best travel insurance for diabetes is not always the most costly. You’ll need to read each diabetic travel insurance policy’s terms and conditions carefully to ensure that it fits your specific needs.

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However, there are a few things to consider in order to ensure that the diabetic travel insurance you select is the greatest fit for your circumstances. Before you choose your diabetic travel insurance, go through the following checklist:

Is Diabetes Covered By Your Current Travel Insurance?

Check Your Current Policy Twice

The first step is to double-check with your current travel insurance carrier to see if “pre-existing diseases” like diabetes are covered.

Pre-existing medical issues are not covered by the usual “visa,” “MasterCard,” or “American Express” travel insurances that you obtain when purchasing an airline ticket with your credit card.


Whether your current travel insurance doesn’t cover “pre-existing conditions,” ask your provider if you can have that restriction lifted (it should cost you less than buying a whole new policy with a new company).

If not, you’ll need to get diabetes-specific travel insurance.


Be informed of the various terms and levels of coverage offered by diabetic travel insurance. Many travel insurance policies will cover you if you have diabetes (type 1 and type 2). However, keep in mind that not all insurance plans will protect you in the same manner. The terms and levels of coverage vary greatly from one diabetic travel insurance to the next, as do the rates.

When evaluating various diabetic travel insurance policies, be sure to pay attention to the following terms and conditions:


Some travel insurance need proof that your diabetes is “stable” in order to waive your pre-existing condition. Some may need documentation dating back 30, 60, 90, 180, or even 365 days previous to the policy’s effective start date. Some people will not ask for anything.

If you don’t follow the rules, you won’t be able to get coverage.


Some travel insurance firms require coverage to be obtained prior to or within 0 days, 1, 14, or 30 days of your final trip payment, whether you have diabetes or not.


Basic travel insurance requirements are covered by all diabetic travel insurances (such as medical emergencies, repatriation, flight cancellation, luggage loss, ).

In the case of diabetes, however, the breadth of the extra coverage might range from simple drug loss to comprehensive medical treatment and even a particular coverage in the event that you miss your trip owing to your illness. Before you acquire an insurance, be sure it meets all of your requirements.


As with any insurance policy, the larger the premium, the better the coverage. Look for an insurance with the best cost-to-coverage ratio for you. Be cautious: inexpensive diabetic travel insurance isn’t necessarily the best diabetic travel insurance (coverage is frequently quite restricted)!


Last but not least, after you’ve chosen your ideal diabetic travel insurance package, don’t forget to haggle! Keep in mind that insurance businesses are massive and face fierce competition. Call your employer and explain that you’re debating between them and a less expensive option. Then wait. I’m guessing they’ll slash the price right away!

With the diabetic travel insurance that best meets your requirements, you can enjoy a worry-free vacation!


The following suggestions may be useful if you need to obtain new travel insurance for diabetics.

There are several travel insurance comparison websites that, after entering your requirements, will recommend various travel insurances that may meet your needs, comparing pricing, levels of coverage, and terms and conditions.

Keep in mind that many travel insurance plans are only valid for citizens of a certain nation. According to your country of residency, you should look for a diabetic travel insurance business.

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If you live in the United States or Canada, here are some suggestions for finding the best diabetic travel insurance:


First and foremost, visit the Squaremouth website. It evaluates travel insurance policies and lets you choose the ones that cover pre-existing medical issues like diabetes.

Travel Insurance for Diabetics


Then, we strongly advise you to read the Diabetes Council’s DTI Guide. It’s a fantastic piece of writing. It explains everything and provides a selection of 25 DTI policies that could be suitable for you.

We also recommend that you look at the following three travel insurance firms. The following are the top three alternatives for travel insurance for diabetics recommended by the Diabetes Council (click on the links below to visit their websites):


Here are the diabetic travel insurance comparisons that we’ve evaluated and believe you should check out if you live in the United Kingdom.


You may get a quotation for diabetic travel insurance straight on the Diabetes.co.uk website if you live in the United Kingdom (within a partnership with P.J. Hayman & Company Insurer).

Diabetes discussion forum

However, in our view, it is not a low-cost travel insurance for diabetes. We ran a simulation to get a sense of the prices, and here’s what we came up with:

In Europe, one week of coverage begins at 16 pounds.

The cost of a month’s global coverage begins at 67 pounds.


If the aforementioned pricing put you off, you may want to check out the following travel insurance comparison websites to see if you can find a better deal. You may choose diabetes as a “pre-existing medical condition” option on all three of them (click on the links below to get to their individual websites):


If you’re from Australia, the Compare Travel Insurance website (click on their emblem to get to website) is your best choice for comparing several diabetic travel insurance companies:



Consider visiting your local travel insurance comparative websites if your current travel insurance policy does not cover pre-existing medical issues. They should let you pick the “pre-existing condition” option and only offer you diabetic travel insurances that are acceptable for you.

Also, keep in mind that you may always contact your local diabetic organisation. They should be able to recommend travel insurance firms that are appropriate for diabetics. Whether you can’t locate your national diabetes organization’s contact information, see if it’s included on the International Diabetes Federation’s members list, which you may find here:


There are several communities where you may ask and get answers to your concerns regarding the best travel insurance for diabetes. If we weren’t able to provide you with enough answers in this post, maybe someone else did! Here are a few forums where you may be able to get your answers:

It might be difficult to get appropriate diabetic travel insurance. We hope that this post has clarified things for you.

Related Tags: Diabetes Travel Insurance

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