There are certain groups of travellers who may find greater difficulty in getting travel insurance. This is because insurers group people according to risk, this means that if you are in one of these higher risk groups then insurers will charge a premium for a policy.
This is true for any type of insurance whether it be for your car, your home or indeed a policy to cover you for your holiday trip. Diabetes is one such medical condition, like many medical conditions there are degrees of seriousness. The more serious the condition the more likely you are to make a claim and the greater that cost will be to the insurer.
With any medical condition you need to make sure you declare your condition to any potential company when getting a quote. If you fail to notify them of your condition and you then need to make a claim than your policy will not be valid and therefore not pay out.
More often than not when you book a holiday with a travel agent they will offer you a travel insurance policy. They may even offer it a part of your package holiday. At this point be sure to notify them of your diabetes, you will most likely find that you will not be properly covered with their policy. Even worse many travel agents are not fully aware of pre-existing conditions not being covered by there own policies. If they tell you that you are covered ask to speak to their insurance department to clarify this and if need get this in print.
In most cases you will get a better more comprehensive policy by contacting one of the specialist insurers that can provide travel insurance for diabetics. You may have to pay a bit more for your policy but you will be rest assured that you will be covered for your holiday.
A specialist insurer will also be able to provide you with invaluable information about travelling abroad with a pre-existing condition such as diabetes. They will be able to forewarn you about the particular country you are travelling to and advise you accordingly.
