Diabetes is common, and most insurers are used to covering people with it, but you must declare it. Here’s what to expect when buying cover. This is general information, so speak to your diabetes team for advice about your own travel plans.

Declare your diabetes

Whether you have type 1 or type 2, tell the insurer when asked. If you don’t, a claim, particularly a medical claim, could be refused. You’ll normally need to give the type, when you were diagnosed and how it’s treated. See pre-existing conditions.

What insurers typically ask

• Type of diabetes and how long you’ve had it
• Treatment: insulin, tablets or diet
• Any complications, such as eye, kidney, nerve or heart problems
• Hospital admissions, including for low or high blood sugar
• How well controlled it is, such as recent test results, if asked
• Other conditions, such as high blood pressure or cholesterol

See what is a medical screening.

Getting the right cover

1. Compare several insurers, as prices vary widely.
2. Check that the medical limit is high enough for your destination.
3. Check the policy’s definition of pre-existing conditions and any exclusions.
4. If you’ve been declined or quoted a very high price, use the MoneyHelper directory. See how to use the MoneyHelper directory.

Practical tips for travelling with diabetes

• Carry insulin, medication and supplies in your hand luggage, with spares, and never in the hold.
• Take a letter from your GP or diabetes team listing your medication and equipment, which can help at security.
• Pack snacks and glucose for low blood sugar.
• Plan for time zone changes with your healthcare team.
• Keep insulin cool and out of direct heat.
• Find out how to get supplies and medical help at your destination.

Remember the GHIC

In some European countries, a GHIC can give access to state healthcare, but it doesn’t cover repatriation or private care. See GHIC vs travel insurance.

Frequently asked questions

Do I have to declare diabetes?

Yes, if asked. Failing to declare it could lead to a claim being refused.

Does diabetes make travel insurance more expensive?

It can, depending on the type, treatment, control and complications. Compare quotes from several insurers.

Can I take insulin in my hand luggage?

Generally yes, and it’s advised. Carry a doctor’s letter and check the rules for your airline and destination.

What if I’m declined cover?

Try specialist insurers and the MoneyHelper directory of firms covering more serious conditions.

Related travel insurance guides

• What Happens If You Get Ill Abroad Without Travel Insurance?
• How to Use the MoneyHelper Travel Insurance Directory
• Travel Insurance After Cancer: How to Find Cover
• What Does Travel Insurance Cover? A Plain-English UK Guide
• How Much Does Travel Insurance Cost in the UK in 2026?

This article is general information, not financial or insurance advice. Always read the policy documents before you buy.