travel insurance for type 1 diabetes

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Diabetes Travel Insurance Guide

Modified: Jun 17, 2020 by Lianne Fachetti, ABA · This post may contain affiliate links ·

Let’s face it, traveling can be a nerve-wrecking experience. There are so many uncertainty factors that can occur and leave you stranded in a very undesirable situation. As a diabetes patient, you have even more to worry about other than catching the next flight, hoping they have your diabetic meal ready, and praying that your luggage will safety arrive at the destination ready for pickup.

You have to worry about how to handle unforeseen health problems that may arise during flight or while you are at your destination. But worrying can only cause unwanted stress and fluctuation of your blood level. Instead of spending the time to worry, why don’t you spend the time to better plan and prepare for your trip.

In this article, we will discuss about why it is a great idea to invest in a travel insurance in the first place. We will explain how your current Medicare plan policies are extremely limited regarding to foreign location health coverage, and why your Medigap supplement plan is simply insufficient for traveling emergency expense needs. We will introduce you to a list of insurance companies that are willing to overlook diabetes as a pre-existing condition, and provide you with three best policy choices in our opinion.

And to help you lower your insurance cost, we have provided you with some alternative options and suggestions that may be overlooked. We hope that by providing you with various solutions, you will be looking at traveling and travel health insurance at a new angle.

Reasons to Buy Travel Insurance

Do you really need travel health insurance, medigap isn’t for everyone, an overview of medigap plans, thediabetescouncil top 3 choices for travel insurance, what other options do i have.

One of the ways to ease your distress is to get yourself a travel insurance policy. By simply paying for the service ahead of time, you can end up saving a lot of money and easily resolve numerous traveling nightmares such as:

• You missed your flight or your flight has been canceled
• Your bags are lost and your medication is in it. You now need an emergency prescription
• Your wallet and passport are missing, and you need emergency cash and a replacement passport.
• You are in an accident and there is no adequate medical
• You need to cancel your trip due to illness, sudden emergency events or work complication
• Your cruise line, airline, or tour operator goes bankrupt, and you are stranded at your destination
• You have a medical emergency at your travel destination
• A terrorist attack occurs where you are planning to visit, and you wish to cancel your trip
• Sudden weather forces you to evacuate from your destination

I also recommend reading these related articles:

• Can Diabetes Bankrupt a Country?
• The Growing Impact of Diabetes
• Quality of Life: Privileges, Benefits, Rights?
• Everything You Need To Know About Traveling With Diabetes
• Can Diabetes Type 2 Be Reversed? Experts Answer

The answer is YES . For all the current Medicare diabetes patients who are not enrolled in Medigap Plans that cover foreign travel medical emergency services, Medicare will not pay for health care or supplies you get outside the United States.

The definition “outside of United States” means any place other than the 50 states of the United States, the District of Columbia, Puerto Rico, the U.S. Virgin Islands, Guam, American Samoa, and the Northern Mariana Islands. However, there are 3 exceptions to the rule that would allow you to receive coverage outside of United States under the Medicare Part A and Medicare Part B.

• You are in the United States when you have a medical emergency, and the foreign hospital is closer than the nearest United States hospital that can treat your illness or injury.
• You are traveling through Canada without unreasonable delay by the most direct route between Alaska and another state when a medical emergency occur, and the Canadian hospital is closer than the nearest United States hospital that can treat your illness or injury. Medicare determines what qualifies as “without unreasonable delay” on a case-by-case basis.
• You live in the United States and the foreign hospital is closer to your home than the nearest United States hospital that can treat your medical condition, regardless of whether it is an emergency.

And same as the policy applied to services in the United States, Medicare will only pay for the Medicare-covered services you receive in a foreign hospital. You will be responsible for any other treatments or medication you receive that are not covered by Medicare Part A and Part B.

Medigap sounds like the perfect solution for securing a traveling insurance. However this standardized supplementary plan isn’t available to everyone. In some States, the law requires that you must be at least 65 years old to qualify for the supplement plan.

Other States has made it a legal right for you to obtain at least one kind of Medigap coverage before you reach age 65. Here is the list of the States that will allow the enrollment of Medigap ( please note that there are specific restrictions to certain States ):

• California (excluding those under 65 and with end-stage renal disease)
• Connecticut
• Delaware (only available to those with end-stage renal disease)
• Massachusetts (only available to those with end-stage renal disease)
• Mississippi
• New Hampshire
• North Carolina
• Pennsylvania
• South Dakota
• Vermont (excluding those under 65 and with end-stage renal disease)

Depending on which Medigap Plan you have already enrolled in, you may be covered for any medical expense you have incurred in your travels.

The Medigap plans that includes foreign travel emergency service will pay 80% of the billed charged for covered services outside the United States after you meet a $250 deductible for the year. There is one exception; Plan F also offers a high-deductible plan.

If you choose this option, this means that you must pay for Medicare-covered costs up to the deductible amount of $2,180 in 2016 before your Medigap plan starts paying for anything. For all these Medigap plans, the foreign travel emergency coverage has a lifetime limit of $50,000 .

Please note that if you live in Massachusetts , Minnesota , or Wisconsin , you have a different standardized Medigap policy.

• Massachusetts:

Massachusetts’s Supplement 1 Plan covers foreign travel emergency.

The basic Medigap plan will cover 80% of your foreign travel emergency expense. And the Extended Basic Medigap Plan will cover 80% of your foreign travel emergency expense until you reach the $1,000 out-of-pocket cost for the calendar year. Afterwards, the plan covers 100% your foreign travel emergency covered services expense.

Plans known as "50% and 25% Cost-sharing Plans" are available. These plans are similar to standardized Plans K (50%) and L (25%). A high-deductible plan ($2,000) is also available. These policy will cover foreign travel emergency.

Lifetime Limit of $50,000 Is Not Enough

$50,000 really will not cover all the medical expenses should an emergency situation occurs. To give you a simple example, if you travel from California to British Columbia, Canada where you are faced with an emergency medical situation and require hospital care, one single night at the hospital will cost $100.

But with the medication and equipment use, you will need to pay much more than $100 per day depending on your needs. Instead of staying in Canada for the treatment, if you wish to fly home to California for the treatment, the special arrangement can easily be upward of $15,000.

This whole ordeal will quickly drain your lifetime limit and you will have to pay all the excess expense out of your own pocket. Afterward, you can never tap into the foreign travel emergency coverage ever again.

How does Pre-Existing Waiver Work?

Instead of relying solely on Medicare, there are many insurance companies that specialize in traveling insurance. Many will deny coverage for individuals with pre-existing conditions or exclude any claims related to the pre-existing condition.

But there are there are some companies that will cover medical expenses relative to your diabetic condition by offering a waiver. Depending on the insurance company, your pre-existing diabetes condition can be waivered if you fulfill these requirements:

• You must insure at least your trip’s full prepaid non-refundable cost (some companies do not require you to insure the full prepaid trip cost, but you still need to put down a deposit),
• Depending on the insurance company, you must get your policy within the limited days after you pay your earliest trip payment ,
• You must cover your trip’s full length, and
• You must be healthy enough and be able to take the trip on the set date. (If you insist on traveling against your doctor’s advice, the insurance company has the right to cancel your policy or refuse to cover your claims.)

Another factor you have to consider is the “ Lookback Period ” policy of the insurance company. In order to waive your pre-existing condition, you must have proof that your condition is “stable”. According to the policy definition, “stable” means that the person with the pre-existing condition has not already taken a turn for the worse, and not in a state where any changes are foreseen, known, or expected that could cause the person to “take a turn for the worse”. Depending on the company, the Lookback Period can be 60, 90, 180, or even 365 days prior to the travel insurance policy’s effective date.

According to the policy definition, “stable” means that the person with the pre-existing condition has not already taken a turn for the worse, and not in a state where any changes are foreseen, known, or expected that could cause the person to “take a turn for the worse”. Depending on the company, the Lookback Period can be 60, 90, 180, or even 365 days prior to the travel insurance policy’s effective date.

List of Insurance Policies that Includes Pre-Existing Waiver:

#1 Top Choice: CSA Travel Protection Custom Luxe

The company will waive the pre-existing conditions provided that you meet the following requirements:

• Coverage is purchased prior to or within 24 hours of your final trip payment,
• You are medically and physically able to travel at the time the coverage is purchased, and
• You insure 100% of your prepaid trip costs that are subject to cancellation penalties or restrictions

CSA Travel Protection is easily the top choice as they are the only traveling insurance company that allows the purchase of a policy within 24-hour of final trip payment date. Even though the company requires that you have to pre-insure your trip cost in case of trip interruption (their trip interruption coverage is 175% of trip cost), you can claim the cost as $0 if you are willing to go without cancellation or trip interruption coverage. If you do decide to purchase the policy ahead of time, you have a 10 day free look period. Should you find a better policy elsewhere, they are happy to refund your money. Besides that, CSA has two unique features. The first being the maximum trip length as 356 days. Second, they have a 24-hr hotline with a stand-by doctor to answer your questions and concern. Should an emergency situation occur, you are always a phone call away from assistance. The only drawback of CSA Travel Protection is that they have a very limited selection of policies, and their Lookback Period is 180 days.

#2 Second Choice: HTH TripProtector Preferred

The HTH TripProtector Company will waive the pre-existing conditions provided that you:

• Purchase the policy within 21 calendar days after your initial trip deposit date,
• Insure your trip’s full prepaid, non-refundable cost, and
• You are medically able to travel at the date of the trip

HTH TripProtector Preferred is the second runner-up in our selection. Although you are required to purchase a policy within 21 days after your initial trip deposit date, HTH offers many advantages. The first big selling point is that their policy will accept up to $100,000 for pre-existing condition coverage and $500,000 for Secondary Emergency Medical coverage. Another big selling point is that their Lookback Period for pre-existing conditions is only 60 days. Unlike many other insurance companies, HTH will cover trips to Cuba.

#3 Third Choice: MH Ross Complete

The MH Ross Company will waive the pre-existing conditions provided that you:

• Purchase the policy within 15 calendar days after your initial trip deposit date,
• Insure part of your full prepaid trip cost as set by the company policy, and

Similar to HTH TripProtector, MH Ross Complete policy will accept up to $100,000 for pre-existing condition coverage and has a Lookback Period of only 60 days. But unlike the first and second choices, the MH Ross Company does not require you to insure the full prepaid trip cost but only a percentage of the cost. At the same time, they offer an option of advance payment to a hospital to secure your admission in case of emergency.

This is a great policy for busy working individuals as cancellation due to work reasons coverage is included. The downside for this policy is that there is no lower price for children coverage. So if your child is the diabetic patient who requires the waiver, you will have to pay full price for his or her coverage.

Depending on where you are traveling, choosing to purchase a traveling insurance policy at your travel destination may be cheaper and “friendlier”. For example, Canada Manulife CoverMe Travel Insurance allows coverage of diabetic patients provided that their condition is stable in the 180 days before the effective date of insurance. As stated in their policy, changing in medication brands and routine adjustment of insulin dosage are allowed as long as the prescriptions are not newly prescribed or stopped.

There are a few companies in the UK that will provide similar policies as well. However, if you do choose to go with this option, make sure you plan and purchase ahead of time as some policies will require a 24 hour activation period in which the company is not obligated to cover you should any emergency event occurs.

Another option to explore is to ask your credit card companies about any insurance policies included with your Visa or Mastercard. For some credit card companies, members will have free enrollment to traveling insurance policy should they purchase the trip on their credit card.

This will include cancellation of the ticket, rebooking of flight, lost luggage expenses, and even luggage replacement. With added purchase, health insurance may be included as well. This way, you can purchase a lower coverage waiver policy and only use it for your diabetes emergency needs.

Enjoy your Trip

Your trip should be filled with great memories of fun. By doing your research early on and paying for a traveling health insurance policy, you will have a much better control of any unplanned situations. While you are choosing the right plan, remember to read the policy thoroughly and make sure you are reading the correct State policy.

At the same time, ask lots of questions from different sources. By knowing the policy details, you can plan ahead what to do should specific health problem arises. This way, you can take the best advantage of your coverage without having to pay out of your own pocket for unnecessary expenses.

Please post any further suggestions for articles down below in the comments section.

TheDiabetesCouncil Article | Reviewed by Dr. Sergii Vasyliuk MD on June 02, 2020

References:

• https://www.cdc.gov/diabetes/library/features/traveling-with-diabetes.html
• https://www.cdc.gov/diabetes/ndep/vacation.html

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About Lianne Fachetti, ABA

Lianne Fachetti holds a degree in Biopsychology. With a keen interest in both psychological and biological aspects of behavior forming, she has worked as a researcher at the UBC Brain Research Centre for seven years focusing on the research of memory formation, neural damage from epilepsy, and hormones' effects on behavioral changes. She is also a certified ABA therapist for autistic children.

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21 Tips for Traveling With Diabetes

Plan ahead for more fun and fewer worries.

Don’t let good diabetes management go on vacation just because you did. Traveling to new places gets you out of your routine—that’s a big part of the fun. But delayed meals, having unfamiliar food, being more active than usual, and being in different time zones can all disrupt your diabetes management. Plan ahead so you can count on more fun and less worry on the way and when you get to your destination.

Before You Go

• How your planned activities could affect your diabetes and what to do about it.
• How to adjust your insulin doses if you’re traveling to places in a different time zone.
• To provide prescriptions for your medicines in case you lose or run out of them.
• If you’ll need any vaccines.
• To write a letter stating that you have diabetes and why you need your medical supplies.
• Just in case, find pharmacies and clinics close to where you’re staying.
• Get a medical ID bracelet that states you have diabetes and any other health conditions you may have.
• Buy travel insurance in case you miss your flight or need medical care.
• Order a special meal in advance for the flight that fits with your meal plan, or pack your own.
• Put your diabetes supplies in a carry-on bag (insulin could get too cold in your checked luggage). Think about bringing a smaller bag to have at your seat for insulin, glucose tablets, and snacks.
• Pack twice as much medicine as you think you’ll need. Carry medicines in the original pharmacy bottles, or ask your pharmacist to print out extra labels you can attach to plastic bags.
• Be sure to pack healthy snacks, like fruit, raw veggies, and nuts.
• Get an optional TSA  notification card [PDF – 23.8KB] to help the screening process go more quickly and smoothly.
• Good news: people with diabetes are exempt from the 3.4 oz. liquid rule for medicines, fast-acting carbs like juice, and gel packs to keep insulin cool.
• A continuous glucose monitor or insulin pump could be damaged going through the X-ray machine. You don’t have to disconnect from either; ask for a hand inspection instead.
• Visit CDC’s Travelers’ Health site for more helpful resources.
• Doctor’s letter and prescriptions
• Snacks and glucose tablets
• Extra insulin and diabetes medicines

While You’re Traveling

• If you’re driving, pack a cooler with healthy foods and plenty of water to drink.
• Don’t store insulin or diabetes medicine in direct sunlight or in a hot car; keep them in the cooler too. Don’t put insulin directly on ice or a gel pack.
• Heat can also damage your blood sugar monitor, insulin pump, and other diabetes equipment. Don’t leave them in a hot car, by a pool, in direct sunlight, or on the beach. The same goes for supplies such as test strips.
• Fruit, nuts, sandwiches, yogurt
• Salads with chicken or fish (skip the dried fruit and croutons)
• Eggs and omelets
• Burgers with a lettuce wrap instead of a bun
• Fajitas (skip the tortillas and rice)

Say goodbye to worry when you pack your diabetes supplies in a carry-on bag.

• Stop and get out of the car or walk up and down the aisle of the plane or train every hour or two to prevent blood clots (people with diabetes are at higher risk).
• Set an alarm on your phone for taking medicine if you’re traveling across time zones.

Once You’re There

• Your blood sugar may be out of your target range at first, but your body should adjust in a few days. Check your blood sugar often and treat highs or lows as instructed by your doctor or diabetes educator.
• If you’re going to be more active than usual, check your blood sugar before and after and adjust food, activity, and insulin as needed.
• Food is a huge highlight (and temptation!) on a cruise. Avoid the giant buffet, and instead order off the spa menu (healthier choices) or low-carb menu (most ships have one) or order something tasty that fits in your meal plan from the 24-hour room service.
• Don’t overdo physical activity during the heat of the day. Avoid getting a sunburn and don’t go barefoot, not even on the beach.
• High temperatures can change how your body uses insulin. You may need to test your blood sugar more often and adjust your insulin dose and what you eat and drink. Get more hot-weather tips here .
• You may be unable to find everything you need to manage your diabetes when you are away from home, especially in another country. Learn some useful phrases in the local language, such as “I have diabetes” and “where is the nearest pharmacy?”
• If your vacation is in the great outdoors, bring disposable wipes so you can clean your hands before you check your blood sugar.

Making Memories

Diabetes can make everyday life and travel more challenging, but it doesn’t have to keep you close to home. The more you plan ahead, the more you’ll be able to relax and enjoy all the exciting experiences of your trip.

• CDC’s Health Information for Travelers
• Diabetes Basics
• Living With Diabetes
• Diabetes Features
• CDC Diabetes on Facebook
• @CDCDiabetes on Twitter

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Will travel insurance cover diabetes?

Living with diabetes shouldn’t stop you from traveling. Whether you have type 1 or type 2 diabetes, you deserve to have fun and relax on vacation as much as anyone else. However, when it comes to insuring your trip, there are a few things to keep in mind.

Is diabetes considered a pre-existing medical condition?

Travel insurance generally excludes pre-existing medical conditions. This means that if you need to cancel your trip due to a situation related to your diabetes, you may not have coverage.

For most Arch RoamRight plans, a pre-existing condition is defined as:

Any illness, disease, or other condition during the 180 day period immediately prior to the Effective Date of Your coverage for which You or Your Traveling Companion, Business Partner or Family Member: 1) received or received a recommendation for a test, examination, or medical treatment; or 2) took or received a prescription for drugs or medicine. Item (2) of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 180 day period before Your coverage is effective under this policy.

The 180-day “look back” period may vary based on the plan selected (Pro and Pro Plus plans have a shorter, 60-day look back period).

In summary, if you have diabetes and in the past 180 days, have not had or been recommended for any test, examinations or medical treatments for the disease, AND your prescription medications have not changed, your diabetes is not classified as a pre-existing condition. Therefore, travel insurance coverage may be available.

How to purchase travel insurance if your diabetes is a pre-existing condition

If your medical situation has changed recently, such as having tests recommended and medication changes, you may still be able to have travel insurance coverage.

With most Arch RoamRight plans, the clause that excludes pre-existing conditions can be waived when certain criteria are met. These criteria are:

• You purchase your policy within 21 days of making the initial payment on your trip;
• You insure all of the Travel Arrangements that are subject to cancellation penalties and restrictions;
• You are not disabled from travel when you purchase your travel insurance policy; and
• The booking for this trip is your first and only booking for this travel period and destination.

When you meet all four of these conditions, any trip cancellations or travel medical emergencies related to your diabetes may be covered.

Diabetes and Travel Insurance Coverage during Severe Emergencies

Rest assured – there are two cases where travel insurance can provide coverage for complications from diabetes, regardless of whether it is considered a pre-existing condition or not. These are Emergency Medical Evacuations and Repatriation of Remains.

You may be in good health, safely managing your condition when you plan to go on a trip. However, medical emergencies can still occur. If you experience diabetic complications and need emergency medical treatment that cannot be provided in the local area, you may be covered for an emergency medical evacuation.

It’s happened before – just watch this story about a man who experience major complications due his diabetes while he was in Antarctica.

Learn More about Traveling with a Medical Condition

There are several places where you can get more information about traveling with a medical condition. You may be interested in these posts found here in on the Arch RoamRight Travel Insurance Blog:

• When Travel Insurance May Cover Pre-Existing Conditions
• Will Your Health Insurance Cover You Abroad?

Note: Available plans and coverages may have changed since this blog was published.

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Related Posts

Arch RoamRight recently launched two plans on our website; learn the differences between the plans. 

Volcanic eruptions are natural disasters that may be covered events under Arch RoamRight travel protection plans. From minor disruptions to catastrophic events, volcanos can affect travelers around the world.

• New Requirements for U.S. Citizens Traveling to Europe Starting in 2021 Starting in 2021, Americans visiting many popular European countries will need to go through the ETIAS process.

About the Author

Adele dirende.

Adele DiRende is a Marketing Intern currently pursuing a degree in Mass Communications at Towson University. Although the wallet of a college student is not kind to those with a passion for travel, Adele has experience in international travel to places like Italy and the UK, as well as domestic travel around the U.S. In addition to travel, Adele enjoys photography, music, and creative writing. Connect with her on LinkedIn .

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Travel insurance

If you have diabetes and planning a trip, we can help you get travel insurance with allclear insure my diabetes ..

AllClear have launched new travel insurance policies offering cover for coronavirus – for cancellation, cutting your trip short, medical expenses and repatriation if you need to return home. There are also options to defer the policy start date and spread the cost over a year. Read the terms and conditions on this coronavirus cover .

Get covered and support us

AllClear have helped over three million people travel with peace of mind. Contact them by phone or online to get your tailored and non-obligation quote. Visit their website and check their privacy policy, or call for free today.

www.insuremydiabetes.org.uk  

0808 168 8711  

Open for calls Monday to Friday, 9am to 6pm, and Saturday, 9am to 5.30pm.

A proportion of the funds received from AllClear may be used for developing and marketing our relationship with AllClear and the services they offer to our supporters.

We have chosen to work with AllClear Insure My Diabetes  because they offer a range of levels of cover, both single and annual multi-trip policies, and have been a specialist in providing travel insurance for those who may have difficulty getting cover elsewhere.

Whichever insurer you decide is right for you, it’s important that you consider all aspects of cover when selecting your travel insurance policy, not just the price.

The risks of travelling without proper travel insurance cover

Insurers will require disclosure of pre-existing medical conditions of all those people to be insured on the policy. Many standard travel policies will exclude any pre-existing medical conditions. This means that if you had to make a claim for medical emergency treatment costs for any pre-existing conditions, or any related complications whilst away, some insurers may not cover these costs.

You should also be aware that other people travelling with you, who may be covered under a different provider’s policy, may not be covered for cancellation of the trip if it is cancelled due to your medical circumstances. AllClear Insure My Diabetes offer travelling companion cancellation cover as a valuable extra to your policy.

The UK Global Health Insurance Card (GHIC)

The UK Global Health Insurance Card, or the GHIC, lets you get necessary healthcare in countries in the European Union and some other countries. This may be free or it may require a payment that is the same to what a local resident would pay.

The GHIC replaced the the European Health Insurance Card (EHIC) but if you still have an EHIC you can continue to use it until the expiry date on the card. When it expires, you'll need to replace it with a GHIC. 

A GHIC or EHIC does not replace travel or medical insurance and it is recommended that you have private travel and medical insurance for your trip. It doesn't cover being flown back to the UK for medical evacuation, private healthcare treatment, ski or mountain rescue or stolen property.

Find out more about the GHIC, including how to apply on the NHS website .

Insuremydiabetes.org.uk is a trading style of IES Limited, trading as AllClear, which is registered in Gibraltar No.117274. Registered Office: Portland House, Glacis Road, Gibraltar, GX11 1AA. Licenced and regulated by the Gibraltar Financial Services Commission Number FSC25393.

Diabetes UK may use a proportion of funds received from AllClear for developing and marketing our relationship with AllClear and the services they offer to our supporters. Diabetes UK is an Introducer Appointed Representative of AllClear Insurance.

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© The British Diabetic Association operating as Diabetes UK, a   charity registered in England and Wales (no. 215199) and in Scotland (no. SC039136). A company limited by guarantee registered in England and Wales with (no.00339181) and registered office at Wells Lawrence House, 126 Back Church Lane London E1 1FH

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Travel Insurance for Diabetics

Comprehensive travel insurance can give you the peace of mind to really enjoy your travels whether you have:

• Type 1 Diabetes
• Type 2 Diabetes
• Pre-Diabetes

Living with diabetes doesn’t mean you can’t still enjoy your much-loved holidays. Specialist diabetes Travel Insurance will provide you with up to unlimited medical emergency expenses cover while you’re abroad, including repatriation back to the UK.

Specialist Travel Insurance for Diabetes

Specialist Diabetes Travel Insurance will help you get access to crucial medication, such as insulin, in the event of an insured emergency when you are abroad, and cover the costs. It’ll also cover you for any unexpected hospital trips, or even for medical repatriation back to the UK.

Living with diabetes doesn’t mean you can’t still enjoy your much-loved holidays. It is important though to have specialist Travel Insurance to cover unexpected medical costs relating to your diabetes.

• An estimated five million people live with diabetes in the UK, according to Diabetes UK. 
• Research shows that two-thirds of diabetics do not have good diabetic control while travelling – meaning an increased risk of unexpected hospital stays .
• The cost of a single vial of insulin is around $100 (£80) in the US , and between $15-20 (£12-£15) across Central and Southern America, as well as in Asia.

This is where our Travel Insurance for Diabetes is vital. We make sure you’re covered for unexpected medical costs throughout your trip, and we’ll also protect you if you have to cancel or come home early due to sickness.

What cover does AllClear’s Diabetes Travel Insurance provide?

What’s covered?

• Medical cover – AllClear policies include emergency medical cover, including diabetes and any other existing conditions you may have. This includes prescription medication like insulin and medical equipment. 
• Cancellation and curtailment – Cover for your flight and accommodation costs if you unexpectedly have to cancel before you go, or need to return home early following an emergency.
• Your baggage – Protection against the cost of stolen, damaged or lost luggage and personal possessions. You can also choose to add extra cover for gadgets to your policy.
• Travel delays and missed departure – If your flight is delayed, we’ll compensate you for the time. If you miss your flight, you’ll also be covered for accommodation and transport costs.
• Personal liability – Cover for your legal expenses and any liability due if you accidentally injure someone or damage their property while you’re away on holiday
• All ages – We think Travel Insurance should be available to as many people as possible, that’s why our Travel Insurance for Diabetes has no upper age limit

What’s not covered?

• Deciding not to travel – We do not provide any cover if you can travel but choose not to.
• Other regions – Your Diabetes Travel Insurance won’t cover you if you travel outside your chosen region, although you can contact us to upgrade your policy at any time. 
• Claims below the value of excess – You’re not covered for claims that fall below the value of the excess stated in your policy
• Medical conditions you fail to declare – You need to provide us with an accurate medical history when you buy Travel Insurance so we can provide you the right cover. This is especially vital for senior travellers, and those with long-term illness.
• Winter sports – While most of our policy options cover all ages, we do not cover anyone over the age of 65 for winter sports like skiing or snowboarding.

We tailor all our travel policies to your specific requirements, which is why we have three different levels of policy available: Gold, Gold Plus, and Platinum.

What types of diabetes are covered by AllClear’s Travel Insurance?

We cover both Type 1 and Type 2 Diabetes. 

• Type 1 Diabetes: For those who have type 1 diabetes, the pancreas (a small gland behind the stomach) doesn’t produce any insulin. This is the hormone that regulates blood glucose levels. Sometimes called insulin-dependent diabetes, type 1 diabetes is the less common of the two types. Around 8% of diabetics have type 1 .  Our type 1 Diabetes Travel Insurance covers you for medical emergencies, helping you to avoid unexpected medical bills.
• Type 2 Diabetes: It’s estimated that more than 2.7 million people are diagnosed with type 2 diabetes in the UK. In some cases, this can be managed with diet and exercise, but type 2 diabetes can vary in severity. This is why we tailor your Travel Insurance to meet your needs and ensure the premium accurately reflects your condition.
• Pre-Diabetes: Pre-diabetes is when your blood sugar levels are higher than normal but not high enough to be classed as type 2 diabetes. While you may not necessarily show symptoms, you’re at a higher risk of developing type 2 diabetes. Our Travel Insurance offers peace of mind by covering medical emergencies related to blood sugar fluctuations and ensuring you’re protected if your trip is disrupted due to a pre-diabetic episode.

How to get Travel Insurance when you have diabetes: what we’ll need to know

Before you get a quote, you will need to complete the medical screening process . 

To do this, you need to answer a few simple questions about your conditions – including diabetes – to ensure that we can give you the right level of cover. 

Examples of questions asked during medical screening include:

• Do you take insulin for your diabetes?
• How many unplanned hospital admissions have you had for diabetes in the last two years?
• Do you have high blood pressure or problems with cholesterol? 
• Do you have any other health conditions that are caused by or related to your diabetes, such as nerve damage, or problems with your feet, vision or kidneys?

Remember that you need to declare all your conditions for your insurance policy to be valid. If you don’t, you may find that your policy is invalid and you have to cover any unexpected medical costs from your own pocket.

AllClear’s Travel Insurance for diabetics with other pre-existing medical conditions

 Diabetes can often lead to other conditions, or it might be that there is a secondary condition that is not related. At AllClear, we believe that everyone should have the opportunity to travel.

We’re a Specialist Medical Travel Insurance provider , and we’ve helped cover more than 3.5 million+ travellers for their trips around the world. In fact, we can cover more than 1,300 medical conditions. If you have diabetes and are planning to take a trip, we’re here to help.

If you’re getting Travel Insurance for Diabetes, you must declare all your pre-existing medical conditions during the medical screening process as part of your quote, whether that’s for you or anyone else on your policy.

For policy reasons, we define a pre-existing condition as anything where you have: 

• Been to a hospital, clinic, or GP surgery to have medical treatment diagnosed or advised within the last two years. This also applies to remote consultations, either on the phone or through an app.
• Been placed on a waiting list which might mean you’ll have to miss your trip.
• Been told you have a terminal illness.

Examples of other pre-existing medical conditions we cover include:

• Heart Conditions – We cover all cardiovascular issues affecting heart function, including high blood pressure and atrial fibrillation . We’ll also provide cover if you have a pacemaker .
• Respiratory problems – This includes conditions that are linked with, or cause breathing difficulties, like asthma and COPD . 
• Cancer -. We cover all types of cancer , gallstones  
• Musculoskeletal conditions – Conditions that affect your bones, muscles, and joints, including back problems , osteoarthritis and osteoporosis .
• Neurological conditions – Disorders affecting the brain and nervous system, including strokes , epilepsy and multiple sclerosis .

Find the best Travel Insurance for your trip

Diabetes isn’t a barrier to exploring the world, and neither is Travel Insurance. But each holiday is different, and so is the type of Travel Insurance you need. So, the real question is – what are you doing on your trip?

• Heading off for a cruise? Cruises need an extra-special kind of cover, to protect you against things like cabin confinement, missed departures and even unused excursions. Luckily, our Cruise Insurance has all that. 
• Big family holiday? Our Family Travel Insurance can cover the entire family (up to 10 people), in a single policy. Less hassle, less paperwork, more time having fun. 
• Golfing trip? Our Golf Travel Insurance is what you need, with extra coverage against lost clubs and unused Green Fees. 
• Planning a staycation? Our UK Travel Insurance covers you against cancelled accommodation or any other holiday mishaps. 
• Multiple holidays this year? Our Annual Multi-Trip Travel Insurance has you covered, no matter how many trips you do this year.
• One big trip? Our Single Trip Travel Insurance covers you for up to 365 days of consecutive travel.

How our Travel Insurance for Diabetics works: A simple 3 step quote process

Our 3-step quote process is quick and simple and designed to provide you with comprehensive worldwide cover.

Here’s how it works.

1 . Get a quote online or by phone

Once you’re ready to start the quote process, the first step is to provide your personal details and information about your holiday and travel plans. This can be completed over the phone with one of our team members or online.

Get your quote

2. Complete our simple medical screening process

You’ll need to declare that you have diabetes, as well as any other medical conditions you have. We’ll also ask you for details on any medications you and your travel companions are taking. Be sure to answer all our medical questions and tell us everything we need to know about your current health. 

This way, we can provide the cover that best suits your needs.

3. Get your quote

You’ll then get your quote(s) and can either proceed to buy or save your quote at this stage.

“We know managing diabetes doesn’t stop when you travel.  Unexpected situations can arise, and having the right travel insurance can make a big difference.  Our specialists policies are designed with diabetics in mind, offering cover for emergency medical expenses and unexpected trip disruptions related to your condition.  Get a free quote today and see how easy it is to enjoy your adventure with peace of mind. ”

Letitia Smith MSc, Travel Insurance expert

What our customers say

Quick and easy to use for the cover i need....

“Due to many years of type 1 diabetes and the worry of covid 19, I decided my holiday insurance was priority to relax and enjoy my holiday.” 

Thinking of booking with us? You’re in good company. Here’s what our other customers had to say about us.

What our Customers Say

Frequently asked questions on diabetes travel insurance, how much is travel insurance for diabetics.

The cost of your Travel Insurance for Diabetes will depend on

• Your type and severity of your diabetes
• Other pre-existing medical conditions : If you’ve got any other health conditions,  this will impact your premium. 
• Your age: How old you are will affect the cost of your Travel Insurance policy. This will likely be more expensive as you get older , as your risk of illness or injury increases.
• Trip duration: The longer you’re away, the greater the odds of a claim, and hence, the impact on the policy premium.
• Chosen destination: Some places have a higher risk than others, and some have more expensive healthcare systems, meaning that the cost of your quote will change.
• Activities: While we cover some activities as standard, you’ll need to pay an additional premium to take part in others, like Winter Sports .
• Additional cover: You may want to include extra cover for a special type of holiday, such as a cruise or golfing holiday .

Do you have to declare diabetes for travel insurance?

Yes, you must declare diabetes as a pre-existing medical condition when buying Travel Insurance. You will be asked which type of diabetes you have and if you have any other conditions as part of the medical screening process .

Do you have to declare prediabetes for travel insurance?

Even if you’re still at the prediabetes stage, you will still need to declare this during the medical screening process . You’ll still need to get your prediabetes covered as it could lead to you needing medical attention abroad.

You may have been placed on blood pressure tablets due to the diagnosis, or you might have had a dosage changed due to prediabetes. This will affect the type of treatment and the cost of the treatment you may need while away.

Is a GHIC card enough to cover you when travelling if you have diabetes?

It is not enough to rely on the GHIC card, especially if you have diabetes. While the GHIC (formerly EHIC) covers your immediate medical costs while you’re in Europe, it does not cover any other additional medical costs – for example, transport to and from the hospital.

The GHIC also does not cover any other holiday mishaps, like cancellations or lost luggage. The UK Government recommends that all travellers get the right Travel Insurance policy , in addition to the GHIC.

Get the most out of your trips with our helpful guides

Where are you visiting?

Explore our helpful guides for tips. They’ll help you remember everything you need when travelling to one of the below destinations.

What activities do you have planned?

Whether you’re planning a skiing holiday or setting sail on a cruise, remember to add the cover you need to your policy for a worry-free trip.

• United Kingdom
• Cruise Travel Insurance
• Golf Travel Insurance
• Winter Sports Travel Insurance

Written by: Letitia Smith | Travel Insurance Expert Last Updated: 22 April 2024

† Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 70,000 reviews as of January 2024. AllClear Gold Plus achieved a Which? Best Buy.

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Home > Knowledge & support > Living with type 1 diabetes > Everyday life > Travelling

Travelling with type 1 diabetes

In this section, preparing to travel, work out what supplies you need.

Take some time to work out how much insulin, test strips, glucagon, glucose tablets, lancets, needles and set change equipment you need. When you’re packing, take three times as much medical equipment as you expect to use.

If you use an insulin pump, take insulin pens and insulin cartridges in case your pump fails, along with manufacturers’ helpline numbers for any countries you’re visiting.

Make sure you pack emergency supplies for the journey and for days out once you start your holiday.

Keeping insulin cool

Buy some medically approved cooling packs to keep insulin cool in hot weather while you’re out and about. Make sure they’re medically approved, otherwise you may not be able to take them through airport security .

Tips on packing

Divide supplies between bags just in case you lose one.

If you’re flying, don’t put any of your insulin in your checked-in luggage as it can freeze in the hold. Instead, keep it with you in your hand luggage.

Get information about where you’re going

Make sure you check the government website for information about where you’re travelling to.

It’s a good idea to check where the nearest pharmacy or hospital is so that you can get there quickly in an emergency.

Make sure you’ve got the documents you need

You will need to take a doctor’s letter with you to prove that you have type 1 diabetes and need to carry medical supplies. Your GP or Diabetes Healthcare Team can provide you with this.

Take a medical prescription with you in case you need to get supplies while you’re away, and a diabetes identity card or bracelet.

Print off a Medical Device Awareness Card to show airport security that you are carrying type 1 diabetes tech. If you don’t have a printer, you can email Rachel Crawford at [email protected] to arrange to have one sent to you. Get more information about taking tech through airport security.

Many airports provide a hidden disability lanyard for people travelling with type 1. Find out more about how to get one .

Prepare for varying insulin doses

You may find you need to vary insulin doses for very active holidays or places where the weather is hot or cold, which may affect your blood glucose levels.

If you’re doing activities like swimming for extended periods, test your blood glucose level regularly. In the evening and night, your blood glucose level could drop after periods of activity, so beware of night-time lows.

Learn more about managing your glucose levels around exercise and physical activity .

Insulin absorption is more rapid in a hot climate so watch out for after-meal lows, followed by a spike. If you’re on a pump, use the dual or square wave function.

Planning is key

Travelling with diabetes checklist.

Download the Diabetic Travelers Network’s checklist to help you plan for travel and make sure you take everything you need.

Travelling by plane

Do you need a doctor’s letter to take diabetes supplies on a plane.

You will need to take a doctor’s letter with you to prove that you have type 1 diabetes and need to carry medical supplies, especially when you go through airport security. Your GP or Diabetes Healthcare Team can provide you with this. This letter will also allow you an extra bag to carry diabetes supplies.

Can you take insulin on a plane?

Yes, but only as hand luggage (though you will need to put it in a separate plastic bag to go through security). Temperatures in the hold can drop to freezing which will affect the effectiveness of insulin.

Can you take insulin pens on a plane?

Yes. Keep your insulin pens in your hand luggage so you have easy access to them.

Can you take blood glucose meters on a plane?

Yes. Keep it in your hand luggage in case you need to check your levels whilst you’re in the air.

Can you take an insulin pump on a plane?

The reduction in atmospheric pressure on planes can sometimes cause them to deliver insulin by accident. This can be caused by air pressure, dissolved and/or visible bubbles or the plunger moving.

The following steps are recommended for insulin pump users going on flights:

• The cartridge should only contain 1.5ml of insulin
• Disconnect the pump before take-off
• After take-off, once the plane is at cruising altitude, take the cartridge out of the pump and remove any air bubbles before reconnecting (it’s recommended that you don’t disconnect your insulin pump for longer than an hour, but check with the manufacturer or your Diabetes Healthcare Team).
• After the aeroplane lands, disconnect the pump and prime the line with two units. Then reconnect the pump
• If there’s a flight emergency involving cabin decompression, disconnect the insulin pump

Can you take a continuous glucose monitor or a flash glucose monitor on a plane?

You can use continuous glucose monitors (CGM) or flash glucose monitors on a plane and connect them to the handset or your phone using Bluetooth. They will still work if your phone is on airplane mode.

Airport security

You can take some items, like insulin pens, safely through airport security. Other equipment – like insulin pumps – may be damaged by x-rays and scanners. Find out more about taking type 1 tech through airport security .

Food and travel

When you’re travelling, make sure you take snacks with you – don’t rely on having to find somewhere in case you need to eat quickly or treat a hypo.

Aeroplane food

Contact your airline before you travel to tell them you have type 1 diabetes so that they can accommodate you. You can also ask to be served your food first.

Long train and car journeys

If you’re going on a long train or car journey, make sure you have plenty of snacks with you in case you’re not able to stop when you need to.

If you’re buying food on the train, wait for it to arrive so that you can judge how much insulin you need.

Managing insulin across time zones

If the time zone change is less than four hours, you don’t need to change how you would normally take your insulin. Talk to your Diabetes Healthcare Team before you leave for your trip to get their advice on how to manage your diabetes across time zones.

You can find information about how to manage changes in times zones (going east to west and west to east) in the Diabetes Travel Network’s Guide to Traveling with Diabetes .

Type 1 diabetes and travel insurance

Travel insurance is available for people with type 1, although it may be slightly more expensive. You can usually find insurance to cover things like medical expenses and loss of insulin and devices (find out more about insuring type 1 technology ).

When buying insurance, you will need to give details about how your type 1 has impacted you, for example, if you’ve had any hospital stays within a certain period of time.

The Global Health Insurance Card

If you’re travelling in European countries (apart from Norway, Iceland, Liechtenstein or Switzerland) carrying a Global Health Insurance Card (GHIC) will entitle you to low cost or free medical care. Formally known as a European Health Insurance Card (EHIC), you can find out more on the government website .

Long-term travel

If you’re travelling over a period of weeks or months, you can still follow the guidance on this page. Ask your Diabetes Healthcare Team to prescribe enough supplies to cover the length of your trip (up to six months).

It may seem like a lot to pack in your suitcase, but it will prevent you having to spend time looking for places to get supplies when you’re away.

Insulin is available almost everywhere, but it’s a good idea to check if your insulin is available in the country you’re travelling to. You can do this by checking the manufacturer’s website. Sometimes brand names are different in each country, so make sure you know what yours is before you go.

If you need to get your supplies abroad, you can use your travel insurance .

Download the Diabetic Travelers Networks® ’ Guide to Travelling With Diabetes ‘ for information and tips on travelling with type 1.

This content was created in partnership with Julie Kiefer from the Diabetic Travelers Network®.

Shared stories

“You deserve to go on holiday, to have fun, to feel understood” – travelling the world with type 1 diabetes

“I have travelled to 28 countries and navigated through 3 different health care systems with type 1. It is through planning, and some trial and error, that I discovered what works and what doesn’t and gained the knowledge and experience to travel freely with type 1.”

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Travel Insurance for Diabetics: Travel Worry-Free

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

As an older individual living with diabetes, you might be a bit hesitant about venturing out to explore the world. But there’s no reason to miss out on exciting new experiences, as long as you plan ahead and ensure you have the proper travel insurance coverage .

In this article, we’ll guide you through the ins and outs of travel insurance for diabetics, so you can confidently set out on your next adventure without breaking a sweat (unless you’re dancing the night away, of course!).

In this article...

Why Bother with Travel Insurance for Diabetics?

You might wonder if travel insurance is worth the fuss. Here are some reasons why it’s essential for diabetics:

• Unpredictable medical expenses: Health care abroad can be costly, especially if you need urgent diabetes-related care. Better safe than sorry!
• Coverage for pre-existing conditions : Some travel insurance policies cover pre-existing conditions, such as diabetes, offering you protection if you need medical attention during your trip.
• Trip cancellation or interruption: If your diabetes unexpectedly causes you to cancel or cut short your journey, travel insurance can help recover non-refundable costs.
• Peace of mind: With travel insurance, you can focus on enjoying your trip, knowing that you’re covered for any diabetes-related incidents.

Safe Travels USA Cost Saver

Safe Travels USA Comprehensive

Patriot Platinum

Visitors Care

Patriot International

Patriot America

Recommended plans.

✅  Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅  Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

✅  Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

Pre-existing Conditions and Travel Insurance: The Nitty-Gritty

As a diabetic, understanding pre-existing conditions coverage in travel insurance policies is crucial:

• What it means: A pre-existing condition is any medical issue you had before purchasing your travel insurance, including diagnosed or undiagnosed conditions.
• Stability is key: Insurers often require your diabetes to be stable and well-managed for a certain period (e.g., three to six months) before offering coverage for pre-existing conditions.
• Read the fine print: Some policies exclude coverage for pre-existing conditions, so be sure to find one that covers your diabetes needs.

Tips for Finding a Diabetic-Friendly Travel Insurance Policy

To find the perfect travel insurance policy for your needs, follow these tips:

• Shop around: Compare different travel insurance policies to find one that provides comprehensive coverage for pre-existing conditions, including diabetes.
• Seek specialized providers: Some insurance companies cater to individuals with specific medical needs, like diabetes. These providers may offer more customized policies and coverage options.
• Check reviews: Look for feedback from fellow diabetic travelers who’ve used the travel insurance provider to gauge their reliability and customer service.
• Consult your doctor: Talk to your healthcare provider about your travel plans and ask for recommendations on the type of coverage and support you might need.

Managing Diabetes on the Go

With the right travel insurance policy in hand, it’s also essential to manage your diabetes effectively while traveling:

• Bring extra supplies: Always pack more medication and diabetes supplies than you think you’ll need to account for any unexpected situations.
• Keep an eye on your blood sugar: Travel can impact your glucose levels, so monitor them regularly, especially with changes in diet, activity, or time zones.
• Be prepared for emergencies: Carry a medical ID and a letter from your doctor outlining your diabetes, medications, and any special considerations, just in case.
• Share with your travel buddies: Inform your travel companions about your diabetes and teach them how to help you in case of an emergency.

Conclusion:

Traveling with diabetes in your golden years may require some extra preparation, but it’s entirely possible with the right travel insurance policy and careful diabetes management.

By understanding the importance of travel insurance for diabetics, finding the right policy, and keeping your condition in check, you can fully embrace the joy of traveling, creating lasting memories, and discovering new experiences.

Don’t let diabetes hold you back from seeing the world and enjoying your well-deserved retirement years.

Keeping Your Health in Check: Travel Tips for Diabetics

In addition to having the right travel insurance, here are some helpful tips for maintaining your health while traveling with diabetes:

Plan your meals: Research local cuisine and restaurants at your destination, so you can make healthier food choices and keep your blood sugar levels steady.

Stay hydrated: Drink plenty of water during your trip, as dehydration can affect blood sugar levels.

Keep snacks handy: Carry healthy snacks with you to prevent low blood sugar episodes when you’re out and about.

Maintain a routine: Try to stick to your regular schedule for meals, medication, and blood sugar monitoring as much as possible, even when you’re on vacation.

Frequently Asked Questions

Travel Insurance for Diabetics Here are some common questions older individuals with diabetes may have about travel insurance:

Q: Can I purchase travel insurance if my diabetes isn’t well-managed?

A: It depends on the insurance provider. Some insurers may still offer coverage, but at a higher premium or with limited benefits . It’s always best to work with your healthcare provider to manage your diabetes effectively before traveling.

Q: What should I do if I experience a diabetes-related emergency while traveling?

A: Contact your travel insurance provider’s emergency assistance hotline for guidance and support. They can help you locate the nearest medical facility, provide language assistance, or coordinate necessary medical services.

Q: How do I disclose my diabetes to my travel insurance provider?

A: When applying for travel insurance, you’ll need to complete a medical questionnaire that includes questions about your diabetes. Be honest and thorough when providing information, as inaccurate or incomplete disclosure could impact your coverage.

So, pack your bags, grab your travel insurance, and set out on your next adventure with the confidence and security that comes with proper planning and coverage.

Enjoy your golden years and make the most of your travels, knowing that you’re well-prepared to manage your diabetes and any challenges that may arise. Happy travels!

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Health Insurance Guide

When you have health needs due to a chronic condition like type 1 diabetes (T1D), having health insurance is critical in helping you manage and treat your condition. That’s why JDRF is committed to supporting you by providing tools to help you navigate healthcare and health insurance. We know that as someone affected by T1D, your time is precious. Our aim is to help you understand your coverage options, that way you spend time where it matters, on you and your family. In this toolkit, we’ll provide information on several key areas you’ll want to consider as you select and then use your health insurance plan.

Help With Costs

Help with your diabetes prescription and insulin costs.

When You Lose Your Coverage

What you can do when your insurance is ending

Choosing a Plan

How to choose the best health insurance plan for people with type 1 diabetes: key questions to ask

Denials and Appeals

What to do when your insurance company denies you coverage and steps to consider when filing an insurance appeal.

Prior Authorizations

Sometimes your doctor recommends a treatment, but the insurance company does not cover it right away. That’s okay…

Applying For an Exception

In a perfect world, we would never have to worry about whether a prescription medicine or treatment we rely on…

Switching Treatments

There are several reasons that you or a loved one may need to switch treatments. For example, a new therapy may…

Insulin, CGMs, Pumps

Common issues around insulin, insulin pumps, CGMs and test strips.

Working With Employers

If you have health insurance coverage through your employer, your HR department can be a helpful resource for you.

Medicare is a federally run health insurance program for people age 65 and older and people with disabilities.

Insurance Terms

While these terms can be confusing, the better you understand them, the better you will be prepared to successfully gain…

Medicaid is federal and state-run program that provides health coverage to millions of Americans, including eligible low-income adults, children, pregnant women, elderly adults and people with disabilities.

Recursos en Español

Ya sea que esté buscando herramientas educativas para ayudarle a usted o a un ser querido con el manejo de la diabetes tipo 1, más información específica sobre la Diabetes tipo 1 o cómo pagar por la insulina. JDRF está aquí para ayudarle.

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• Safety & Insurance

Travel Checklist For Type 1 Diabetes

Published: October 17, 2023

Modified: December 28, 2023

by Siusan Eckert

• Travel Tips

Introduction

Traveling with type 1 diabetes can present unique challenges, but with the right preparation and knowledge, it shouldn’t hinder your ability to explore the world. Whether you’re planning a tropical getaway or a cross-country road trip, taking the necessary precautions will ensure a smooth and enjoyable journey.

Living with type 1 diabetes requires constant management of blood glucose levels, medication, and supplies. Traveling adds another layer of complexity to this, as you have to navigate logistical issues, different time zones, and unfamiliar environments. However, with careful planning and attention to detail, you can embark on your adventures with confidence.

This comprehensive travel checklist for type 1 diabetes will guide you through the essential steps to ensure a safe and stress-free trip. From medication and supplies to navigating local healthcare resources, we’ll cover all aspects to help you maintain proper diabetes management while enjoying your travels.

Remember, preparation is key. The more proactive you are in addressing potential challenges, the more relaxed and enjoyable your trip will be. So, let’s dive into the checklist and make sure you’re fully prepared for your next adventure.

Medications and Supplies

Before embarking on your trip, it’s crucial to ensure you have an ample supply of all the necessary medications and diabetes-related supplies. Here are some key considerations:

• Stock up on insulin: Make sure you have enough insulin to last the duration of your trip, accounting for any unexpected delays or changes in your treatment plan. It’s also wise to carry an extra vial or pen in case of mishaps or breakages.
• Pack extra test strips and lancets: Accurate blood glucose monitoring is vital while traveling. Pack additional test strips and lancets to account for potential usage in different time zones, as well as any loss or damage to your regular testing supplies.
• Carry spare pump supplies: If you use an insulin pump, carry spare infusion sets, reservoirs, and batteries. It’s a good practice to have backups in case of malfunctions or equipment failures.
• Organize medication in a clear, labeled bag: Keep all your medications, including insulin, oral medications, and emergency supplies, in a well-organized bag. Ensure that they are properly labeled with your name, prescription details, and dosage instructions.

It’s also wise to divide your medications and supplies between your carry-on and checked luggage. This way, even if one bag gets lost or delayed, you’ll still have access to essential items.

Additionally, familiarize yourself with any regulations or restrictions concerning carrying medications and supplies in your destination country. Certain countries may have specific guidelines or require documentation, so it’s always advisable to check with the relevant authorities or consult your healthcare provider.

Doctor’s Note and Prescription

When traveling with type 1 diabetes, it’s essential to carry a doctor’s note and a current prescription for your medications. These documents serve multiple purposes and can come in handy in various situations:

• Customs and security checks: A doctor’s note and prescription can help expedite the process at airport security checkpoints, especially when carrying large amounts of medication or medical devices.
• Emergency situations: In the event of a medical emergency or if you need medical assistance while abroad, having a doctor’s note and prescription can help local healthcare professionals understand your condition and provide appropriate care.
• Insurance claims: If you need to make an insurance claim related to your diabetes or medications, a doctor’s note and prescription can serve as proof of your condition and the necessity of your treatments.

When obtaining a doctor’s note, ensure that it includes relevant information such as your diagnosis, a list of your medications and supplies, and any specific instructions or recommendations for managing your condition while traveling.

Additionally, it’s a good idea to carry copies of your prescriptions, including the generic names of your medications, in case you need to purchase additional supplies during your trip or in case of loss or theft of your medications.

Remember to keep your doctor’s note and prescription in a safe and easily accessible place, such as your carry-on bag or a travel organizer, so that you can present them when necessary.

Travel Insurance

When traveling with type 1 diabetes, having adequate travel insurance is essential. It provides coverage and peace of mind in case of unexpected medical emergencies or incidents related to your condition. Here are some key points to consider:

• Medical coverage: Ensure that your travel insurance policy includes coverage for emergency medical expenses related to your diabetes. This should include hospitalization, doctor visits, medications, and any necessary medical procedures.
• Pre-existing condition coverage: Check if your travel insurance policy covers pre-existing conditions, including diabetes. Some policies may have specific terms and restrictions, so it’s important to review the policy details and speak with the insurance provider if needed.
• Emergency medical evacuation: Diabetes-related complications can sometimes require urgent medical evacuation. Make sure your travel insurance includes coverage for emergency medical evacuation to ensure you can receive appropriate care in a timely manner.
• Lost or stolen supplies: Travel insurance can also provide coverage for lost or stolen diabetes medications and supplies. This can help you replace essential items without incurring significant out-of-pocket expenses.

Before purchasing travel insurance, thoroughly review the policy to understand the coverage and any limitations or exclusions. If you have any questions or concerns, don’t hesitate to contact the insurance provider directly to clarify the details.

It’s also worth considering travel insurance that offers 24/7 emergency assistance services. These services can provide immediate access to medical professionals who specialize in assisting travelers with medical conditions like type 1 diabetes.

Remember to carry a copy of your travel insurance policy, along with the insurance provider’s contact information, in case you need to file a claim or require assistance during your trip.

Glucose Monitoring

Maintaining proper glucose monitoring is crucial when traveling with type 1 diabetes. Here are some tips to help you effectively monitor your blood glucose levels during your trip:

• Pack extra glucose meters and test strips: Ensure you have at least two glucose meters with you in case of loss, damage, or malfunctions. Also, pack enough test strips to last the duration of your trip, considering potential usage in different time zones and any unexpected delays.
• Carry a backup battery or charger: Make sure you have a spare battery or charger for your glucose meter to avoid running out of power. This is especially important when staying in areas where access to batteries or charging points may be limited.
• Keep supplies in a cool and dry place: Extreme temperatures can affect the accuracy of glucose meters and test strips. Store them in a cool and dry area, away from direct sunlight and excessive heat or humidity.
• Monitor frequently: Traveling can introduce changes to your routine, such as different foods, activities, and time zones, which can impact your blood glucose levels. Aim to monitor your levels more frequently than usual, especially after meals, before and after physical activity, and at regular intervals throughout the day.

It’s also important to keep a record of your blood glucose readings and any notable observations. This can help you identify patterns, adjust your insulin dosages if needed, and share relevant information with your healthcare provider upon your return.

If you plan to travel to a location with a significant time zone difference, consider gradually adjusting your testing and medication schedule a few days before your trip. This will help your body acclimate to the new time zone more smoothly.

Remember, proper glucose monitoring is the key to effectively managing your diabetes during your travels and ensuring you can enjoy your trip while keeping your blood glucose levels within the target range.

Insulin and Storage

Insulin is a critical medication for individuals with type 1 diabetes, and proper storage is crucial to maintain its effectiveness. Here are some important considerations when it comes to insulin and storage during your travels:

• Carry extra insulin: Ensure that you have an ample supply of insulin for the duration of your trip, accounting for any unexpected delays or changes in your treatment plan. It’s wise to carry extra insulin in case of breakages or mishaps.
• Keep insulin cool: Insulin should be stored in a cool environment to maintain its potency. If you’re traveling to a warm climate, consider using a cooling pouch or a small insulated cooler bag to store your insulin. Avoid exposing insulin to direct sunlight or extreme temperatures.
• Use gel packs or ice packs: Gel packs or ice packs can help keep insulin cool during travel. Place the insulin vials or pens next to the gel pack or ice pack in your insulated bag or cooler to maintain a safe temperature.
• Avoid freezing insulin: Freezing insulin can render it ineffective. Be cautious if you use ice packs to cool your insulin and ensure that they don’t come into direct contact with the medication.
• Check expiration dates: Before your trip, check the expiration dates of your insulin supply. Make sure that you’re not carrying expired insulin and that you have enough for the duration of your travels.

If you’re traveling by air, avoid putting your insulin in checked luggage, as the temperature in the cargo hold can fluctuate and impact the medication. Instead, keep it in your carry-on bag where you can monitor it more closely.

It’s also advisable to carry a glucagon kit for emergency situations where severe hypoglycemia occurs. Make sure your travel companions are aware of its location and how to use it if needed.

By taking proper precautions and following these guidelines, you can ensure that your insulin remains effective and your diabetes management stays on track throughout your journey.

Snacks and Supplies

When traveling with type 1 diabetes, it’s important to always have snacks and supplies on hand to manage your blood glucose levels. Here are some essentials to consider:

• Carry a variety of snacks: Pack a mix of quick-acting carbohydrates, such as glucose tablets, granola bars, or fruit, to treat low blood sugar episodes (hypoglycemia) while on the go. Make sure you have enough supplies to last the duration of your trip, taking into account any potential delays.
• Choose non-perishable snacks: Opt for snacks that don’t require refrigeration or can withstand different climates. This ensures that you always have a backup option, even if you’re in an area without immediate access to refrigeration.
• Pack portioned snacks: Pre-portioning your snacks can help you manage your carbohydrate intake more effectively. Use small resealable bags or containers to separate snacks into appropriate serving sizes, making it easier to maintain your meal plan and blood glucose control.
• Carry a blood glucose meter and testing supplies: Make sure you have your blood glucose meter and testing supplies readily available. This allows you to monitor your blood sugar levels regularly, especially after consuming snacks or meals.

Remember to also have an emergency supply kit that includes glucagon, spare batteries for your devices, extra lancets, and syringes or pen needles, in case any of your regular supplies become damaged or lost.

When you’re exploring new destinations, it’s important to familiarize yourself with local food options and their carbohydrate content. This will help you make informed decisions when selecting snacks or dining out.

Lastly, be mindful of the timing and content of your snacks, especially if you’re engaging in physical activities or experiencing significant changes in your daily routine. Adjust your insulin doses accordingly and consult with your healthcare provider for guidance on managing your blood glucose levels while traveling.

Carrying Identification

When traveling with type 1 diabetes, it’s crucial to carry proper identification that indicates your condition. Here are some key identification documents and items to consider:

• Medical ID bracelet or necklace: Wearing a medical ID bracelet or necklace is essential in helping others identify your condition in case of an emergency. The ID should indicate that you have type 1 diabetes and may require immediate medical attention.
• Diabetes identification card: Carry a diabetes identification card that includes your name, contact information, emergency contact details, and any important medical information. Keep it easily accessible in your wallet or travel organizer.
• Copy of your prescription: In addition to carrying your medication, it’s wise to have a copy of your prescription for insulin and other diabetes-related supplies. This can help verify your need for these items when crossing borders or dealing with local authorities.
• Contact information for your healthcare provider: Keep your healthcare provider’s contact information handy. This can be beneficial if you require medical assistance while traveling or need to consult them in case of any questions or concerns.

In addition to carrying proper identification, it’s essential to inform your travel companions about your condition and provide them with instructions on how to assist you in case of an emergency.

If you’re venturing to a location where the local language may be different, consider carrying a translated card or document that explains your condition and any specific instructions for managing your diabetes. This can ensure effective communication with healthcare professionals or locals who may need to assist you.

By carrying proper identification and making it easily accessible, you can quickly communicate your medical needs and ensure timely assistance in case of any diabetes-related emergencies during your travels.

Emergency Contact Information

When traveling with type 1 diabetes, it’s crucial to have emergency contact information readily available. Here are some key contacts to consider including in your travel plans:

• Emergency contact at home: Provide a trusted family member or friend with your detailed itinerary and contact information for the duration of your trip. In case of an emergency, they can be reached to communicate with healthcare providers or assist with any necessary arrangements.
• Local emergency services: Research the emergency phone number for the country or region you’re visiting, and ensure it’s easily accessible. This is important in case you need immediate medical assistance while abroad.
• Contact information for your healthcare provider: Carry the contact details of your primary healthcare provider, including their name, phone number, and email address. They can offer guidance and support in case of any diabetes-related complications or concerns.
• Contact information for your endocrinologist or diabetes specialist: If you see a specialized diabetes healthcare provider, include their contact information as well. They may be able to provide specific advice or recommendations based on your personal medical history.

Ensure that you have these emergency contacts stored in your phone and also carry a physical copy in your wallet or travel organizer. This will ensure that you can quickly and easily access this vital information in case of any emergencies.

Additionally, if you’re using a diabetes management app or device that provides emergency contact information, make sure it’s set up with the appropriate details and accessible to others if needed.

Remember to inform your travel companions about the emergency contact information and ensure they know how to access it on your behalf. It’s important that everyone is prepared to act swiftly and effectively in case of an emergency.

Knowledge of Local Healthcare Resources

When traveling with type 1 diabetes, having knowledge of local healthcare resources can be invaluable. Here are some important considerations to ensure you’re prepared:

• Research local hospitals and clinics: Prior to your trip, identify hospitals and clinics in the areas you’ll be visiting. Find out if they have diabetes specialists or endocrinologists available, and note their contact information in case you need medical assistance or advice during your travels.
• Understand the healthcare system: Familiarize yourself with the healthcare system in your destination country. Determine if you will require any specific documents or insurance coverage to access healthcare services. Be aware of any differences in how healthcare is provided or medications are obtained.
• Consider a travel medical assistance service: If you have any concerns about accessing healthcare or need assistance in navigating the local medical system, consider enlisting the services of a travel medical assistance company. These companies can provide support and guidance for medical emergencies, help with language barriers, and offer access to a network of healthcare providers.
• Language translation resources: If you’re traveling to a location where the local language may be different, consider carrying a pocket-sized medical translation book or using translation apps on your smartphone. These can assist in communicating your needs and understanding medical advice or instructions from healthcare professionals.

It’s also important to verify if your travel insurance covers medical expenses incurred abroad and if there are any specific procedures or requirements for making claims.

Additionally, inform your travel companions of your diabetes and provide them with information on what to do in case of an emergency. This will ensure that they are prepared to assist you and can communicate with healthcare providers if necessary.

By being proactive and informed about local healthcare resources, you can ensure that you’re prepared for any diabetes-related situations that may arise during your travels.

Language Translation and Communication

When traveling with type 1 diabetes to a location where the local language may be different, language translation and effective communication are essential for managing your condition. Here are some tips to help you navigate language barriers:

• Learn basic diabetes-related phrases: Take the time to learn and practice basic diabetes-related phrases in the local language. This includes words or phrases for “insulin,” “glucose monitor,” “low blood sugar,” and “diabetes.” This will help you communicate your needs and understand any instructions or advice given by healthcare providers or locals.
• Carry a medical translation card or app: Consider carrying a small card or utilizing translation apps on your smartphone that provide translations for essential medical information related to your diabetes. These translations can help you effectively communicate your condition and any specific requirements to healthcare providers or in emergency situations.
• Use visual aids: Visual aids can be incredibly helpful in communicating your needs, regardless of language barriers. Have visual representations of insulin pens, blood glucose meters, and symptoms of high or low blood sugar readily available. This can aid in effectively conveying important information to healthcare professionals or others who may need to assist you.
• Utilize mobile translation apps: Use translation apps on your smartphone to bridge communication gaps when interacting with locals, pharmacists, or healthcare providers. These apps can assist in translating conversations in real-time and help you understand or convey important information.
• Consider travel companions fluent in the local language: If possible, travel with someone who is fluent in the local language or hire a local guide who can help with translation and communication when needed. Having someone who can effectively communicate your needs and understand local instructions can be invaluable.

Remember to be patient and remain calm when faced with language barriers. Keep a positive attitude and utilize any available resources to overcome communication challenges regarding your diabetes management.

By taking proactive measures to bridge the language gap, you can ensure effective communication and receive necessary assistance, enabling you to manage your diabetes effectively while traveling.

Transportation Considerations

When traveling with type 1 diabetes, it’s important to consider transportation options that will accommodate your needs and help you manage your condition effectively. Here are some key considerations for transportation:

• Flight considerations: If you’re traveling by air, inform the airline before your trip about your diabetes and any special accommodations you may require. This includes the ability to carry your diabetes-related supplies and medications on board and access to food or snacks during the flight.
• Carry-on essentials: Pack your diabetes medications, supplies, and snacks in your carry-on bag. This ensures that you have immediate access to them during the journey and helps prevent any potential issues due to lost or delayed checked luggage.
• Car travel: If you’re traveling by car, plan for regular stops to check your blood glucose levels, have snacks, and take insulin as needed. It’s also essential to have an emergency kit readily available in the car, including glucose tablets, glucagon, and supplies for testing your blood sugar.
• Public transportation: Research the accessibility of public transportation at your destination. Check if there are any specific policies or guidelines regarding carrying medical supplies and medications on buses, trains, or other forms of public transit.

Regardless of the mode of transportation, it’s important to have a clear plan in case of emergencies. Make sure your travel companions are aware of your condition and how to assist you if needed. Share information about the location of your diabetes supplies, emergency snacks, and necessary contact information.

It’s also advisable to carry a medical alert card or wear a medical ID bracelet or necklace in case you require assistance from first responders or other transportation personnel.

By considering these transportation factors and planning accordingly, you can ensure a smoother journey and have the necessary provisions to manage your diabetes effectively while traveling.

Meal Planning and Dining Out

Meal planning and dining out can require some extra consideration when traveling with type 1 diabetes. Here are some tips to help you navigate food choices and maintain blood glucose control:

• Research local cuisine and ingredients: Before your trip, familiarize yourself with the local cuisine and typical ingredients used in traditional dishes. This can help you make informed choices when dining out and better estimate carbohydrate content.
• Carry snacks and backup food options: Always have a stash of snacks with you to manage unexpected delays or situations where food options may be limited. This ensures that you have a backup plan to maintain your blood sugar levels when access to suitable food may be challenging.
• Customize your meals when dining out: Don’t hesitate to ask questions and request modifications when dining out. Speak with the server or chef about your dietary needs, such as substituting certain ingredients or requesting sauces and dressings on the side to manage carbohydrate intake.
• Portion control: Be mindful of portion sizes, especially when dining out. Consider sharing meals or ordering smaller portions to avoid overeating and minimize the impact on your blood glucose levels.
• Timing your meals and insulin: If you’re adjusting to a new time zone, it’s important to adjust your meal and insulin schedule accordingly. Consult with your healthcare provider to develop a plan for timing your meals and insulin doses to maintain optimal blood glucose control.

Keep in mind that everyone’s dietary needs and preferences may differ, and there is no one-size-fits-all approach. It’s important to listen to your body, monitor your blood glucose levels regularly, and make adjustments as needed to maintain stable blood sugar levels.

Remember to also enjoy the culinary experience while being mindful of your diabetes management. Trying new foods and flavors can be an exciting part of travel, as long as it aligns with your dietary goals and doesn’t compromise your health.

By researching local food options, planning ahead, and making informed choices, you can enjoy the culinary delights of your destination while effectively managing your diabetes.

Active Travel and Exercise

Engaging in physical activity and maintaining an active lifestyle can be beneficial for managing type 1 diabetes while traveling. Here are some tips to incorporate exercise into your travel plans:

• Choose active travel experiences: Look for opportunities to incorporate physical activity into your travel itinerary. Consider activities such as hiking, biking, walking tours, or swimming. These activities not only provide exercise but also allow you to explore and enjoy your destination.
• Plan for exercise breaks: Schedule regular exercise breaks throughout your trip. This could include taking brisk walks during layovers, stretching during long car rides, or finding local parks or gyms to engage in structured exercise. Set aside time for physical activity to help maintain blood glucose control.
• Monitor blood sugar levels: Keep a close eye on your blood glucose levels before, during, and after physical activity. Depending on the intensity and duration of the exercise, you may need to make adjustments to your insulin dosage or have extra snacks on hand to prevent hypoglycemia.
• Carry glucose tablets or snacks: Be prepared for potential drops in blood sugar levels by carrying glucose tablets or quick-acting snacks. These can be crucial in treating hypoglycemia and ensuring you have the energy to continue with your activities.

It’s also important to listen to your body and pace yourself during physical activity. Start slowly and gradually increase intensity if you’re not accustomed to regular exercise. Stay hydrated and take breaks as needed.

Incorporating physical activity into your travel plans not only benefits your diabetes management but also enhances your overall travel experience. It allows you to stay active, enjoy new surroundings, and potentially meet locals or other travelers who share your interests.

Remember to consult with your healthcare provider before your trip to ensure your exercise plan aligns with your individual needs and to get personalized recommendations for managing your diabetes during physical activities.

Managing Stress and Blood Glucose Levels

Managing stress is essential for maintaining stable blood glucose levels when traveling with type 1 diabetes. Here are some tips to help you effectively manage stress and keep your blood glucose levels in check:

• Practice stress-reducing techniques: Incorporate stress-reducing activities into your travel routine. This can include deep breathing exercises, meditation, yoga, or engaging in activities that bring you joy and relaxation.
• Stick to a routine as much as possible: Maintaining a familiar routine, even while traveling, can help stabilize blood sugar levels. Try to eat meals and take insulin at the same times you would at home, and get sufficient sleep to keep stress levels in check.
• Stay organized and plan ahead: Being prepared and organized can help reduce stress. Plan your travel itinerary, pack your diabetes supplies in an organized manner, and have all necessary documentation readily available. This can help alleviate last-minute stressors and ensure you have everything you need to manage your diabetes effectively.
• Stay hydrated: Proper hydration is important for overall health and blood glucose management. Carry a refillable water bottle and drink plenty of water throughout the day. Be mindful of sugary beverages that can impact blood sugar levels.
• Take breaks and relax: Traveling can sometimes be tiring and overwhelming. Take breaks when needed, find a quiet and peaceful spot to relax, or engage in activities that help you unwind. This can help reduce stress levels and prevent unnecessary spikes in blood glucose.

It’s also important to remember that travel itself can be stressful at times, so be patient and kind to yourself. Don’t be too hard on yourself if your blood glucose levels aren’t always within your target range. Focus on doing the best you can and take proactive steps to manage stress to maintain overall well-being.

Lastly, don’t hesitate to reach out to your support system, whether it’s your travel companions, friends, or healthcare provider. They can offer advice, encouragement, and understanding during your travels.

By implementing stress management techniques and prioritizing your well-being, you can help stabilize your blood glucose levels and enjoy a more relaxed and fulfilling travel experience.

Adaptations for Different Climates

Traveling to different climates can present unique challenges for individuals with type 1 diabetes. Here are some adaptations to consider when facing different climate conditions:

• Hot climates: In hot climates, it’s important to take extra precautions to keep your insulin cool. Carry your insulin in a cool bag or use cooling packs to prevent exposure to excessive heat. Avoid leaving your insulin in direct sunlight or keeping it in a hot car. Also, be mindful that heat can affect your blood sugar levels, potentially leading to dehydration and faster insulin absorption. Stay hydrated by drinking water regularly and test your blood sugar levels more frequently to ensure you’re maintaining good control.
• Cold climates: In cold climates, protect your insulin from freezing temperatures by using insulation, such as a travel case or insulated pouch. Avoid leaving your insulin in an unheated area or exposed to extreme cold for an extended period. In colder temperatures, your blood sugar levels may be more difficult to control, so monitor them closely. Cold weather can also make it harder to determine if your insulin is working properly, so check for signs of effectiveness, such as stable blood sugar levels or expected response to meals or corrections.
• Humid climates: In humid climates, moisture can affect the integrity of your diabetes supplies. Ensure that your medication and supplies are stored in airtight containers or bags to protect them from humidity. Consider using moisture-absorbing packets to keep your supplies dry. Also, be aware that increased humidity may impact how your body utilizes insulin, potentially requiring adjustments to your insulin dosage. Monitor your blood sugar levels closely to identify any needed changes.

Regardless of the climate, it’s crucial to check your blood sugar levels regularly and make any necessary adjustments to your insulin doses, activity levels, or food intake. Pay attention to your body’s response to the environment and be prepared to adapt your diabetes management accordingly.

Consult with your healthcare provider before your trip to discuss specific adaptations you may need to make for the climate you’ll be visiting. They can provide personalized recommendations based on your individual needs and help you develop a plan to maintain optimal blood glucose control in different climate conditions.

By being proactive and taking the necessary adaptations for different climates, you can effectively manage your diabetes and enjoy your travels with peace of mind.

Dealing with Time Zone Changes

Traveling across different time zones can disrupt your usual routine and have an impact on your diabetes management. Here are some tips to help you navigate time zone changes effectively:

• Consult with your healthcare provider: Before your trip, consult with your healthcare provider about adjusting insulin doses to accommodate time zone changes. They can provide recommendations on how to gradually shift your insulin schedule to align with the new time zone.
• Gradually adjust your schedule: If possible, start adjusting your meal times and insulin doses gradually a few days before your trip. This can help your body acclimate to the new time zone more smoothly.
• Monitor blood sugar levels closely: When transitioning to a new time zone, monitor your blood sugar levels more frequently than usual. Time zone changes can impact your body’s insulin needs, so be prepared to make adjustments to your insulin doses based on your readings.
• Reset your devices: If you use an insulin pump or continuous glucose monitor (CGM), adjust the time settings on your devices to match the new time zone. This ensures accurate readings and proper insulin delivery.
• Stay hydrated and manage jet lag: Traveling long distances can lead to jet lag, which can impact your diabetes management. Stay hydrated, get enough rest, and gradually adjust your sleep schedule to minimize the effects of jet lag. This will help you maintain stable blood sugar levels and overall well-being.

It’s important to note that each person’s response to time zone changes may vary. Therefore, it’s essential to monitor your blood sugar levels closely, listen to your body, and make any necessary adjustments as needed.

If you have any concerns or experience difficulty managing your diabetes during time zone changes, don’t hesitate to reach out to your healthcare provider for guidance and support.

By being mindful of the effects of time zone changes on your diabetes management and taking proactive steps to adjust, you can minimize disruptions and maintain optimal blood glucose control throughout your travels.

Additional Tips and Considerations

Along with the previous guidelines, here are some additional tips and considerations to keep in mind when traveling with type 1 diabetes:

• Carry a backup supply of diabetes-related items: Pack duplicates of essential items, such as blood glucose meters, insulin pens or vials, and infusion sets, in case of loss, breakage, or other unforeseen circumstances.
• Keep your diabetes supplies with you: When traveling, always keep your diabetes supplies in your carry-on bag to ensure they are easily accessible and not exposed to extreme temperatures or the risk of lost luggage.
• Stay updated with immunizations: Before traveling, confirm that your routine vaccinations are up to date. Depending on your destination, additional vaccinations may be recommended, so consult with your healthcare provider or a travel medicine specialist.
• Carry snacks and supplies during activities: If you plan to engage in physical activities or excursions, bring snacks, glucose tablets, and supplies to manage potential fluctuations in blood sugar levels. Be prepared for changes in activity levels and adjust your insulin doses accordingly.
• Notify your travel companions: Inform your travel companions about your diabetes, including the signs and symptoms of low or high blood sugar, and how to assist you in case of an emergency.
• Stay aware of food safety: When dining out or consuming local food, pay attention to proper food handling and hygiene practices to minimize the risk of food-borne illnesses.
• Stay consistent with your self-care routine: While traveling, it can be tempting to deviate from your usual routine. However, try to maintain regular exercise, sufficient sleep, and healthy eating habits to support your overall diabetes management.
• Stay well-hydrated: Drink plenty of water to stay hydrated, especially in warm climates or during physical activities. Dehydration can impact blood glucose control and overall well-being.

Remember, everyone’s experience with type 1 diabetes is unique, so it’s important to listen to your body, monitor your blood sugar levels regularly, and adjust your diabetes management plan as needed.

Lastly, don’t forget to enjoy your journey! Traveling with type 1 diabetes may require some extra preparation and caution, but it shouldn’t stop you from exploring the world and creating wonderful memories.

Traveling with type 1 diabetes requires careful planning and preparation, but it should not deter you from embarking on new adventures and exploring the world. By following the comprehensive checklist and tips provided in this article, you can ensure a safe and enjoyable trip while effectively managing your diabetes.

From organizing your medications and supplies to understanding local healthcare resources, carrying identification, and adapting to different climates and time zones, each aspect plays a crucial role in maintaining optimal blood glucose control and overall well-being.

Remember to communicate openly with your healthcare provider, inform your travel companions, and stay vigilant in monitoring your blood sugar levels throughout your journey. Be proactive in managing stress, staying active, and making informed choices related to meal planning and dining out.

By incorporating these strategies and making necessary adaptations, you can confidently navigate the challenges of traveling with type 1 diabetes. Embrace the opportunity to create unforgettable memories and experiences, knowing that you have taken the necessary precautions to ensure your health and happiness while on the road.

With proper preparation, organization, and a positive mindset, you can embark on your travels with the peace of mind that you have the tools and knowledge to manage your diabetes effectively, allowing you to fully enjoy your adventures and make the most of your travel experiences.

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Travel Insurance for Diabetics

Diabetes travel insurance from just travel cover.

Travel Insurance for Type 1 and Type 2 Diabetes.

With the right diabetes Travel Insurance in place, people with diabetes, whether type 1 or type 2, can enjoy travelling with peace of mind. It’s important to get the right Travel Insurance for diabetics, should there be an emergency related to your condition while you’re abroad. We want you to relax and enjoy your holiday, knowing your medical expenses will be taken care of if needed.

Travel Insurance for Diabetics: Ensuring Peace of Mind

Our diabetes Travel Insurance covers both type 1 and type 2 diabetes, offering peace of mind for your holidays. At Just Travel Cover we specialise in providing medical Travel Insurance for hundreds of pre-existing medical conditions, including for type 1 and type 2 diabetics. Our quick and straightforward online quotation process ensures we have a detailed description of your diagnosis, so we can tailor a Travel Insurance policy to your health requirements, and you can compare and choose the best diabetes Travel Insurance for you and your health needs.

Travel Insurance for Diabetes FAQs

Frequently asked questions about Travel Insurance for Diabetes .

What is Travel Insurance for Diabetes?

It is important to get the right Travel Insurance in any circumstance, especially if you are living with diabetes. This means you will be covered for any medical treatment you need on holiday relating to your diabetes. All of our diabetic Travel Insurance policies cover diabetes, including type 1 and type 2, offering up to £15m in medical cover for any unexpected expenses that may arise during your holiday. At Just Travel Cover, we aim to help provide quick and easy diabetes Travel Insurance through our accurate and straightforward online quotation process. We can offer cover for all types of diabetes, including for type 1, type 2 and gestational diabetes. Quotes depend on your medical history, age, destination and duration of trip.

What does Diabetic Travel Insurance cover?

Having the right diabtes Travel Insurance will mean, whether you have diabetes type 1 or type 2, you’re covered for emergency medical treatment you may need when on holiday, as well as any other emergency care you may need. Having diabetic Travel Insurance in place before going on holiday will also mean you are covered if you need to cancel your holiday for medical reasons relating to your diabetes.

Are my travel options limited if I have diabetes or does Travel Insurance cover me anywhere?

Like all our policies, we do not expect you to limit your choice of destination because of a medical condition. If you declare your diabetes, it is quick and easy to get a quote online; simply complete our medical screening and answer a few questions. To ensure you are fully protected against unexpectedly high medical bills while you are travelling, please answer all questions accurately.

Does having diabetes affect the cost of my Insurance?

The price you pay for Travel Insurance may be increased when you declare conditions such as type 1 or type 2 diabetes, as it means you are covered for any medical treatment you need relating to your condition when on holiday. The cost of treatment can vary from country to country, and it is important to remember that the price is not just based on medical history but your age, destination and trip length. For a 60-year-old travelling to Spain for one week with diabetes, prices start at £9.86 for a single trip and £37 for an annual policy. (Based on not taking insulin, having never been a smoker and, no unplanned hospital visits, no medication for High Blood Pressure or Cholesterol) as of December 2021.

Is there an upper age limit for Diabetes Travel Insurance?

No, we have policies available for travellers of all ages, covering hundreds of pre-existing medical conditions, including type 1 and type 2 diabetes. Enter your age and travel dates, then follow the medical screening questions, and we will compare prices from a range of insurers who can provide cover for your diabetes.

Will Just Travel Cover compare Diabetes Travel Insurance on my behalf?

Yes, we work with a panel of insurers specialising in covering pre-existing medical conditions, including diabetes. There is also usually a bronze, silver and gold option with varying limits for cancellation, medical and baggage, so you compare diabetics Travel Insurance policies, as well as the excess you will need to pay in the event of a claim.

Do I have to declare type 2 diabetes on Travel Insurance?

Yes, it is important that you declare any pre-existing medical conditions on your Travel Insurance, including type 2 diabetes. Even if your condition is well managed, it is important to be prepared for the unexpected, as failing to declare type 2 diabetes could void your policy, leaving you to pay for any treatment abroad out of pocket.

Travel Insurance for Diabetes – Your Cover

• Cancellation/ curtailment up to £12,500 (£30,000 on referral)
• Missed departure up to £1,500 per person
• Baggage up to £3,000 per person
• Personal Liability up to £2 million per person
• Zero excess policies available

Medical Cover for Diabetes

• Emergency medical expenses and repatriation up to £15 million
• 24/7 emergency medical assistance
• Cover for all types of diabetes

We Compare Prices From These Insurers

Click here to download the Policy Wording and Insurance Product Information document for all insurers

Diabetes Travel Insurance – Instant Quote Online or By Phone

It is quick and easy to get a quote online.

You will need to complete a straightforward medical screening and tell us:

• Do you take insulin for diabetes?
• Details of any unplanned hospital admissions
• If you’ve ever been a smoker
• If you have related conditions such as angina/heart attack, kidney impairment, liver damage, nerve damage, retinal damage, or peripheral vascular disease
• If you’ve ever been advised to take medication for high blood pressure or high cholesterol

To ensure you are fully protected against unexpected high medical bills while you are travelling, it’s important you answer all questions completely and accurately, particularly because diabetes is a contributing factor in many other medical conditions.

Instant Cancellation Cover

Your cancellation cover starts from the moment you complete your purchase, so if you are unable to travel for an insured reason, you can recover the cost of your holiday. Insure your travel companions under your policy – and they will be covered too.

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Travel + Adventure

Whether through local or international destinations, travel or having an adventure changes the way you see the world. Travel helps you gain new perspective and a better understanding of our planet, humanity and the cultures within it. Adventure can test our limits, teaching us new skills while giving us a sense of accomplishment. Both can test what you thought you knew about others and yourself. It can also test your type 1 diabetes management. Ideally, you’ve prepared well enough that you don’t run into surprises concerning your care, but sometimes the unexpected happens and you have to make do. Here are our travel + adventuring basics from packing and airport travel to personal stories of surviving customs, jet lag and that next big wave. Bon voyage!

Traveling is one of life’s great pleasures and people with type 1 diabetes (T1D) are taking off and exploring the world with ferocity. The key to getting the most from a trip borrows from the Boy Scout adage: Be Prepared. If you have T1D you can go anywhere and do anything, you just need strategies firmly in place.

T1D Travel Tips

1. Whether traveling for work or pleasure, know your destination. People with diabetes live everywhere and they all need supplies. Just make certain you know where to find them and how to seek medical help if needed! For English speakers the International Association for Medical Assistance to Travelers is a great source.

2. Check with your health insurance to understand if you have coverage at your destination. Purchase additional travel insurance if needed, with coverage for pre-existing conditions.

3. Gather your arsenal of supplies and don’t pack light! Go for twice as many supplies as you normally would need. It’s smart to split supplies between two bags—a carry-on and a suitcase, for example—in case of loss or theft, but keep insulin in your hand held luggage to protect from cargo bay temperatures. Include:

• An extra meter
• Any parts of a pump that might get damaged or malfunction. (Many pump companies will provide a “loaner pump” for overseas travel at no extra cost.)
• If you pick up insulin abroad buy new syringes as well. (American insulin and syringes come U-100, while other countries sell U-40 or U-80.) Understand what you are injecting!

Check out our complete T1D On-The-Go Kit

4. Identify yourself! Carry a letter from your doctor with your care routine and wear a medical ID bracelet or tags.

5. Know your rights —especially when traveling through airport security. Feel free to identify your needs to the agent in charge before approaching the scanner. You are allowed to carry your medical supplies, including emergency juice and liquids, even if greater than 3 ounces. Manufactures typically recommend removing your pump or continuous glucose monitor (CGM) before going through the full-body scanner and also recommend not sending devices through the x-ray machine. You can request a hand inspection and pat down if preferred.

In the US travelers requiring special accommodations or concerned about checkpoint screening may ask a checkpoint officer or supervisor for a Passenger Support Specialist who provides on-the-spot assistance. Request a Passenger Support specialist ahead of time by calling the TSA Cares USA hotline at 1-855-787-2227 approximately 72 hours prior to flight.

Read Type 1 & TSA: What to Know Before Taking Off  (for USA and Canada)

6. Time zones—stick with yours until landing! As a general rule, diabetes management is based on a 24-hour cycle and adjustments in insulin are most recommended if traveling through more than five times zones. By keeping the time set to the original departure zone, dosing for meals will be easier, just remember to adjust all clocks upon landing. If traveling west, the day is longer and more insulin may be needed, traveling east means a shorter day and possibly less.

7. Create a worst-case-scenario backpack.  In anticipation of long waits or unexpected delays, be sure to carry plenty of “low” supplies as well as carb-free snacks and any other necessities.

8. Create a packing list for all future travel and check and double check—especially when moving between locations. Consider keeping clear plastic bags of extra supplies all ready to go. These “travel bags” make preparing easy—just check to be sure you haven’t depleted supplies or any are expired—then grab and go.

Travel Resources

Type 1 & TSA: What to Know Before Taking Off

A Type 1 Diabetic’s Guide to Battling Jet Lag

Your Type 1 Guide to Music Festivals

Navigating Amusement Parks with T1D

Take Your Perks with Type 1

Airport Security and Type 1 Diabetes

Sporting Events with T1D

Button Error—What You Must Know about Flying with a MiniMed 600 Series

The T1D Beach Guide

The T1D Travel Snack Guide

Travel stories ►.

Coachella + T1D + A Pump Malfunction

Travels With (New) Diabetes

SCUBA Diving with Type 1 Diabetes — You Can Do It!

Into the Blue

Never Stop Exploring

It’s Not a Bomb, It’s a Pump

Without Limits

What Saved My Son’s Life

Take to the Skies!

Fearless—A T1D Teen Travels the World

#DiabeticsAtDisney

The Boy on the Bus

Smoothing the Way for Diabetes-friendly Travel

Traveling with My T1D Girlfriend

Havana Nights and CGMs

Jungle Type 1 Diabetes—A Day in the Life

What Saved Me After this Diabetes Error

Embracing My Something: Maddie’s Iceland Adventure

AYUDA: Changing the Face of Diabetes Volunteering Abroad

Tips for Beginning Climbers with T1D

Tips for Au Pairs with T1D

Living on a Remote Island with T1D

Live with Diabetes? You May Be Eligible for a Free Lifetime National Park Access Pass

Beyond Limitations: Travel Tips + Tricks for People With Diabetes

‘Drag Race’ Star, Daya Betty, Encourages People with Diabetes to Live a Life They Love

Adventure stories ►, hiking +  climbing.

Into the Wild—Type 1 Diabetes Essentials

First T1D to Summit Mount Everest

DYF Takes Mount Whitney—The Tallest Peak in USA

Climbing Mount Kenya

Rafting + camping.

Diabetes Camp—My Why

A Parent’s Guide to Diabetes Camp

WRITTEN BY BT1 Editorial Team, POSTED 12/08/17, UPDATED 07/25/23

The night my son nearly died for a sprite -, why beyond type 1 matters: an interview with nick jonas -, food and diabetes -, life with type 1—a photo essay -, one day in the life of type 1 diabetes -.

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• Travel insurance for diabetics

You should be able to get the right cover to travel abroad if you’re diabetic, making sure that your medical needs are taken care of.

Posted: 31/1/2022 | By Amanda Duffy

Holiday insurance for diabetics means you can travel without the extra worry. Travelling with diabetes can sometimes be difficult, because it’s harder to manage your condition while you are away from home and out of your normal routines.

Consider a travel insurance policy for pre-existing medical conditions like diabetes

Why do i need travel insurance if i'm diabetic.

If you are diabetic, then you’ll understand that planning is everything. You have to prepare for travel, too, and that means getting the right travel insurance policy. Whether you have  type 1  diabetes or  type 2 diabetes , the right travel insurance means that you will stay protected – and you will be able to get any medication and help if you need it.

Travel insurance for people with diabetes should cover the cost of cancelling your holiday if you have to, as well as the expense of getting emergency help when you’re abroad.

What will I be asked in my screening process?

When you call to find out about travel cover for people with diabetes, you’ll be asked about your condition so that you can get the right kind of cover. Here are the questions that you’re likely to be asked:

• Do you have to take medication for your diabetes?
• Have you had to go to hospital in the past few years?
• Do you also have high blood pressure or cholesterol?
• Has your diabetes caused any other conditions, such as problems with your kidneys, heart, eyes, nerves or legs?

Tips for people travelling with diabetes

Travel insurance will help protect you against the unexpected. But there are plenty of other things you can do to safeguard your health while you travel.

• Check the strength of your medication. The UK uses medication strength U-100, but in some other countries the strength is U-140 or U-80. Making sure your medication is legal in your destination country is essential.
• Take your own syringes with you. The type of syringe you use depends on your diabetic medication, so bring plenty with you on holiday in case you can’t get the right type abroad.
• Keep medication in your hand luggage . Not only is it to hand in case you need it, but there's a greater possibility that your hold luggage can go missing than your hand luggage.
• Bring extra medication and testing strips. This will cover you for flight delays , and help you test more frequently while you’re away.
• Write a checklist before you go. This is always a good idea to make sure you don’t forget anything. Read the Diabetes.co.uk guide to packing for a trip .

Insurance for diabetes type 1 and travel advice

If you travel with type 1 diabetes, then it’s a good idea to do a bit of homework before you travel. Take a letter from your doctor that explains your condition and spells out clearly the type of medication you need to take with you – useful for when you need to get through security at the airport. You should also research the area you’re heading to and find out if there’s an English-speaking doctor there.

Travel insurance and advice for diabetes type 2

After making sure you have the right travel insurance for type 2 diabetes, you should also take a few extra precautions. Write an emergency plan that explains what people around you should do – travelling across time zones can really throw your timing out, so be prepared.

Interested in travel insurance?

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Diabetes and travel

You can travel anywhere with diabetes. You just have to prepare to avoid any problems.

Before you travel

• make sure your travel insurance covers health problems related to your diabetes
• find out where you can get your insulin in the place you're visiting, and take a recent prescription with you
• speak to your care team for advice about adjusting to different time zones
• if you're flying, get a letter from your GP or care team to say you have diabetes and need to take your treatment on to the plane (you may need to pay for the letter)
• if you use a pump or a continuous glucose monitor (CGM), check with your airline before you travel about taking it on board – some airlines require paperwork for medical equipment

Packing for your trip

• pack 3 times as much insulin, test strips, lancets, needles and glucose tablets as you'd expect to need
• split your medicines, IDs and equipment into 2 different bags, just in case 1 gets lost
• if you use a pump, pack insulin pens in case it stops working
• put insulin in your hand luggage – the hold of the plane will be too cold and could damage the insulin
• take a cool bag to stop your insulin getting too hot
• take some form of diabetes ID, like a medical alert bracelet, to tell others that you have diabetes
• take the contact details of your diabetic team, just in case you need their advice
• take plenty of snacks in case there are any delays
• do not put your pump through airport scanners or x-ray machines – let airport security know so they can check it another way

While you're away

• be prepared to test more while you're away – hot and cold weather can affect your blood glucose levels and increase your risk of a hypoglycaemia (hypo) or hyperglycaemia
• you may have to change your insulin dose depending on the temperature and different activities you're doing – speak to your diabetes team
• take care if you're sunbathing, as this can affect your blood glucose levels

Diabetes UK has more information on what to do when you travel .

Page last reviewed: 20 September 2021 Next review due: 20 September 2024

Diabetes Australia

Traveling and diabetes

Whether it’s for work or pleasure, travel can and should be fun. Having diabetes shouldn’t prevent you from experiencing the joy of travel.  

Here are the steps you should take to ensure your next interstate or overseas trip is safe, fun and hassle-free. 

Three months before departure  

1. plan your travel itinerary and make bookings .

• If you wear an electronic device to monitor blood glucose levels (BGLs) or infuse insulin, check with the airline if they can be operated in-flight. 
• Arrange your travel insurance for health and belongings. 
• Check vaccination requirements. 
• When booking your flights, you can choose to tell the airline you have diabetes so your needs are met.  
• During booking, you can also order meals that are low in saturated fat and high in fibre and carbohydrate . You may prefer this to ‘diabetic’ meals served in-flight that can be quite bland. 

2. Check airline security regulations 

Check that you comply with Australian airline security regulations for people with diabetes:  

• The person with diabetes whose name is on the airline ticket must carry all their own diabetes supplies, including testing equipment, insulin and Glucagon delivery devices (syringes and pen needles and insulin pump consumables) in their hand luggage. It’s advisable to pack extra insulin in checked-in luggage. 
• Your name must appear on all insulin and/or Glucagon script labels. 
• You must carry scripts (that are readable) for all medications. Each script must include your name, the name and type of your medication, and your doctor’s contact details. 
• Always carry your National Diabetes Services Scheme (NDSS) card. This serves as proof that you need to carry your diabetes equipment, including insulin, if applicable. Bring additional photographic proof of identity, such as a driver’s licence or passport. 
• Bring several copies of a letter from your doctor (that are readable) to get you through Customs. It should outline your medical conditions, your medications, and the devices you use for your insulin and blood glucose testing. It should highlight the importance of carrying your medications with you.  
• International travellers can carry no more than 100 ml of liquid per container, in their carry-on baggage.  

Your supplies of insulin are exempt from this rule. But you need to present the insulin at the security point with proof of your condition and need for your medication. 

If not travelling with an Australian airline, check in advance with the airline for specific security guidelines. 

3. Arrange travel insurance   

You should arrange travel insurance for you and your belongings. Make sure your health cover applies to pre-existing conditions and the places you will visit. 

Note: The Australian Government has Reciprocal Health Care Agreements with a range of countries. Travellers can avail themselves of similar benefits to Medicare by showing their Medicare card. This is limited to acute or emergency care.  

For more information, visit Medicare Australia or call 02 6124 6333.  

Two months before departure  

Talk with your doctor.

• Get the required vaccinations. 
• Get advice on other tablets you may need to treat diarrhoea or nausea. 
• Check your medication/insulin adjustments, Glucagon and testing for ketones during the trip.  
• Arrange the papers you will need to comply with airline regulations. 
• Tell your doctor if you’re travelling to places with different time zones. Your medications and/or your type of insulin may affect your activity. Your doctor may advise you to follow your normal routine until you stop travelling, have a long sleep and then start from scratch when you wake up. Or your doctor may recommend some medication or insulin changes. 
• Before using a support hose that prevents swelling and reduces the risk of clotting in the veins of the legs, check with your diabetes team first.  

They may not be suitable for those with conditions like peripheral neuropathy (caused by damage to the nerves in the peripheral nervous system typically affecting the hands, feet and legs). 

One month before departure  

• Arrange all paperwork, including a letter from your doctor, medication scripts, written details of next of kin, and NDSS and Medicare cards. 
• Prepare diabetes medication and testing devices required for the entire trip. This includes medication, insulin, syringes/pen needles or pump and consumables, lancets, test strips, meter (bring spare if possible), Glucagon and delivery devices. 
• Check and arrange other medical requirements, including medical identification. 

What to pack  

• Bring a small, approved sharps container, available from the Diabetes Shop or your pharmacy. Many hotels and airports offer a sharps disposal service for your used lancets and syringes. 
• Estimate the medication and diabetes supplies you will need for the entire trip and pack more in case of loss or damage. 
• If possible, pack a spare meter. 
• Take a small first aid kit with you in case of aches and pains, minor cuts and burns. 
• Pack comfortable, well-fitting shoes. 
• Carry some form of quick acting carbohydrate, such as glucose tablets or jelly beans in case of hypoglycaemia (low blood sugar). 
• Pack an insulated bag for storing your test strips if you are travelling to a place that may be extremely hot or cold. Don’t forget your meter’s user manual. 
• EXTRA PRECAUTION  – Pack clearly written details of your next of kin or a family member. 

What to do in extreme temperatures  

Extreme heat or cold can affect your ability to manage diabetes. Here are some steps to take. 

• Insulin and blood glucose test strips should be kept below 30 degrees Celsius. To protect them from extreme temperatures, take a small insulated bag available from the Diabetes Shop . Make sure to keep it in your carry-on luggage. 
• Temperature also affects the accuracy of blood glucose results. Consult the user manual for your meter’s operational temperature range. 

Travelling by air  

• Keep all your medication, and diabetes testing and insulin equipment in your carry-on luggage. You can split them evenly between two bags in case one goes missing.  
• Pack a separate small bag with enough supply of insulin, injection devices, testing equipment and hypo treatment for the flight. For long flights, pack enough for the first leg and refill it before the next. 
• EXTRA PRECAUTION  – Wear medical identification that says you have diabetes. 

At the airport  

• Arrive early to avoid rushing. 
• It’s considered unlikely that insulin would be harmed by security X-rays. But you may ask airport security staff to physically check you and your luggage instead if you’re concerned. 
• You’re not required to remove your insulin pump at a security point. If this is requested, security is obliged to provide access to a private consultation room. You can also request this room if security staff want to discuss your condition. 

During the flight  

There are things you can do to ensure you have an enjoyable journey. 

• If you wish, you can tell the flight attendant at the start of the trip that you have diabetes so your needs are looked after.  
• Keep your diabetes supplies within easy reach, like the seat pocket in front of you. 
• Always wait until your meal is served before you administer insulin. For added safety, you can take your insulin halfway through or immediately after your meal in case of a major unforeseen interruption. 
• Avoid alcohol. 
• Drink enough water to avoid dehydration. 
• Sleep as much as you can, but ask the cabin crew or your travel companion to wake you for meals. 
• Wear comfortable shoes and exercise your feet to prevent swelling. 
• Walk up and down the aisle to assist circulation and keep your blood glucose levels under control, as well as to avoid deep vein thrombosis.  

Decreased activity during the flight and the amount of food you eat can increase BGLs. They can go back to normal once you’ve resumed your routine at your destination. 

When something goes wrong  

With all your careful planning, it’s unlikely that something will go wrong. But don’t worry if you need medical assistance during travel.  

Get advice from your travel insurer. You can recover the costs through health benefits or through your medical insurance once you’re back home. 

Your diabetes should not stop you from enjoying a memorable and hassle-free trip. By taking doable steps at each stage of your journey, you can have a good time.  

Stay informed  

The NDSS has fantastic resources to help you prepare for your next trip: 

• Travel factsheet   
• Travel and type 1 diabetes

What state or territory do you live in?

Travelers is the latest California insurer to raise rates. How to find coverage in your area

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Travelers Insurance, one of California’s largest home and auto insurers, is set to increase its rates by an average of 15%, the latest in a string of rate increases and policy limitations that major insurers say is caused by wildfire risks, reinsurance costs and inflation.

Given the go-ahead by the California Department of Insurance this week, Travelers will update its rates for more than 320,000 homeowners starting June 24. It’s not immediately clear what areas in the state will see higher rates.

Michael Soller, the state Department of Insurance’s deputy commissioner for communications, said the shortage of information is “frustrating across the board.”

The department, he said, is doing its best to make sure consumers don’t pay more than they’re required. Travelers’ premium increases, he said, are completely legal under Proposition 103, the 1988 ballot measure that regulated property and casualty insurance pricing.

The average cost of homeowners insurance in the state is $1,250 per year, or about $104 per month. That’s less than the national average of $1,915, according to Nerdwallet . The average cost for a homeowner in the city of Los Angeles is $1,485 a year, or about $124 a month.

Travelers is the latest major insurer to increase rates, limit the number of new policies issued or pull out of the California market altogether — all actions that are straining the market.

In April, Tokio Marine America Insurance Co. and Trans Pacific Insurance Co. notified the insurance department that they will not renew 12,556 homeowners policies with a premium value of $11.3 million, starting July 1.

State Farm, Farmers and Allstate have limited their offerings in California by cutting back on the new policies issued or tightening underwriting standards. State Farm, for example, announced in March that it would not renew 72,000 policies. Allstate, however, has stated that once the industry-favored insurance reforms that Insurance Commissioner Ricardo Lara proposed go into effect, it will begin writing new homeowner insurance policies in the state, Soller said.

Last year, Geico removed all its in-person offices in the state and is offering policies only through the company’s website or app.

To make insurance rates “more predictable and insurance more available” in the state, Soller said the department is continuing its progress in updating its regulations.

That update could let insurers use algorithms to predict the future risk that properties face from wildfires. Lara is proposing to let insurers use catastrophe modeling when setting the price of policies. Currently, premiums are based on an insurance company’s past losses. This is one of several proposals Lara advanced in a Sustainable Insurance Strategy announced last year.

Even though insurers are making significant changes to their coverage offerings, many are still issuing new policies in California. Here is a partial list:

Farmers Insurance Group offers limited homeowners insurance policies in California, with a monthly cap at 7,000 new business policies.

Mercury is not only offering new policies and renewing existing ones, it’s also taking on customers from Tokio Marina America and its subsidiary, Trans Pacific Insurance Co. — both agencies that pulled out of the California market.

Chubb and its subsidaries, which include Federal Insurance Co., Vigilant Insurance Co. and Pacific Indemnity Co., offer and renew home policies, but with two limitations. It stopped writing high-value homes with higher wildfire risk and isn’t renewing some high-value homes.

USAA is offering new policies if the homes meet its underwriting criteria, which confine the insurer to low-risk properties.

Other insurers that continue to renew or issue new policies in the state are Auto Club of Southern California, Liberty Mutual and American Family.

When a prospective or current homeowner is having trouble finding a policy in their area, the last resort is the California FAIR Plan Assn. A state-established program funded by insurers doing business in California, its mission is to provide homeowners with an affordable policy option when the traditional market fails them.

To find which insurers are offering policies in your area, the California Department of Insurance has a “Home Insurance Finder” tool that will help you locate a provider within 5 to 75 miles of your property.

More to Read

Amid homeowner insurance crisis, consumer advocates and industry clash at hearing

April 24, 2024

California exodus of home insurance companies continues

April 19, 2024

Upscale Westside L.A. neighborhoods hit very hard by State Farm home insurance cancellations

April 10, 2024

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Karen Garcia is a reporter on the Fast Break Desk, the team that has a pulse on breaking news at the Los Angeles Times. She was previously a reporter on the Utility Journalism Team, which focused on service journalism. Her previous stints include reporting for the San Luis Obispo New Times and KCBX Central Coast Public Radio.

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