Travel insurance for diabetes. There are around 4 million people living with diabetes in the UK, with about 700 people a day being newly diagnosed – around one person every two minutes! Since 1996, the number of people diagnosed with the condition in the UK has more than doubled from 1.4 million to almost 3.5 million, with around 10% of these suffering from Type 1 Diabetes.


Travel Insurance for Diabetes

ERGO Medi-Care was created to be able to give those with existing medical conditions the ability to get travel insurance that allows you to continue travelling. We want to help you ‘Get Out There’ and we don’t believe that your medical conditions should be a barrier to that!


Medical Screening with Diabetes

Any travel insurer will need to fully understand your diabetes before providing you with a travel insurance policy. This is why ERV’s Medi-Care offers a thorough online screening process or the option to call our team and have someone help you through a telephone medical screening process.

Every individual is different and will have their own special requirements relating to their diabetes, therefore we ask personalised questions to help get you the best value travel insurance for your diabetes as possible. The list below will give you some indication as to the type of questions you might be asked when completing the medical screening.

  • Do you take any medication for your diabetes?
  • How many hospital admissions have you had for diabetes in the last year?
  • Have you ever been advised to take medication for high blood pressure or high cholesterol?
  • Have you ever been a smoker?


Travelling with Diabetes

Most diabetes sufferers will be well aware of how to manage it on a regular basis, but from time to time we come across some great tips for other people who do plenty of travelling and wanted to share their top tips with you so that you might learn some new ones!

Here are a collection of useful travelling tips that might help you get ready for your next break.

Travel Planning

When it comes to holiday planning, your medication could play a big part in your preparation.Speak to your GP about your requirements and whether you should consider taking extra medication for the duration of the trip. You should probably take more in case of delays, but you should also talk to your doctor about changing your schedule if you are travelling to a different time zone.

You’ll also want to check with any airlines about how they deal with insulin, syringes and a continuous glucose monitor or insulin pump if you use those. Take any medication in your hand luggage too, as the hold of a plane can get below freezing during flight and freeze your medicines. Most airlines will allow you to put it in an on-board fridge, but you should contact the airline before flying about any issues you might face.

If you don’t already have one, consider getting some sort of diabetes identity card, bracelet or other indicator that will let people know your condition.

When you arrive at your hotel consider letting the staff know about your condition, especially if you are travelling alone.

Diet & Exercise

Just like at home, you should be aware of what you’re eating and take steps to ensure your diet suits your medical condition. Spend a little time researching local cuisine if you haven’t been there before and find out what those name son the menu mean.Starchy carbohydrates include bread, potatoes, pasta, rice, cous cous, noodles, breakfast cereals and pulse vegetables. These foods increase blood glucose even though they aren’t sweet to taste. The body digests them and breaks them down into glucose. Even though they raise blood glucose they should not be seen as bad foods as they do an important job in acting as fuel for the body to provide energy.

Activities & Facilities

Depending on your individual needs, you may want to find out about what is available in the local area to where you’re staying:Where is the nearest doctor or hospital?
Where is the nearest pharmacy?
Can the hotel provide assistance 24 hours a day?If you have insulin and need to keep it refrigerated, is there a fridge in your room that you can use? If not, ask the hotel to store it and make sure that all reception staff know who you are and where it can be found.


Much of the preparation for a holiday will focus on dealing with your medication. You’re schedule could change if you are travelling across time zones and you should ask your GP for advice on how best to deal with this.We’ve already mentioned some tips above, but you should also consider:

  • Warmer climates can mean insulin is absorbed quicker so you may need to adjust accordingly
  • Warmer climates can also cause mis-reading of your monitoring equipment
  • Ensure you have plenty of strips, lancets and spare batteries for monitoring
  • How is blood sugar measured in your destination country? (see more below)

Blood sugar is measured in mmol/L most commonly in the UK with mg/dL predominantly used in the USA and continental Europe. You can use the formula below to convert measurements:

    • Formula to calculate mmol/l from mg/dl:

mmol/l = mg/dl / 18

    • Formula to calculate mg/dl from mmol/l:

mg/dl = 18 × mmol/lYou could think about taking a cool bag with you to carry your insulin, so it’s kept cool and out of sunlight.


Related Conditions

This information could also be of use to you if you suffer from the following pre-existing medical conditions:

Diabetes Type 1, Diabetes Type 2, Diabetes Insipidus, Diabetes Mellitus, Sugar Diabetes, Nephrogenic Diabetes Insipidus

Diabetes is a common life-long health condition. There are 3.5 million people diagnosed with the condition in the UK and an estimated 549,000 people who have the condition, but don’t know it.

Diabetes is a condition where the amount of glucose in your blood is too high because the body cannot use it properly. This is because your pancreas doesn’t produce any insulin, or not enough insulin, to help glucose enter your body’s cells – or the insulin that is produced does not work properly (known as insulin resistance).
Information from Diabetes UK


Medi-Care Disclaimer

This content provides general information for travellers who may have a pre-existing medical condition. All pre-existing medical conditions will need to be declared when applying for travel insurance and are taken into account on an individual basis when quoting for your policy.

Pre-Existing Medical Condition: Any past, current or reoccurring medical condition which has been diagnosed, investigated or treated at any time prior to travel, even if this condition is considered to be stable and under control.

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