Travel insurance for autoimmune disorders.

Travel with confidence with travel insurance for autoimmune disorders

It’s important to tell us about your autoimmune disorders (and any other health conditions), so we can find the right policy for you.

Flexibility to change details online

When you buy a policy from us, you can manage it yourself by logging in to your My Avanti account. Here you can:

• access policy documents
• update traveller details
• change your single trip dates (limits apply)
• renew an annual policy if you have no changes to make
• and more.

If you have questions about Covid-19 and how it affects your holiday plans, visit our Covid-19 help page.

Leave the worry at home with travel insurance for autoimmune disorders

Richard¹ had to make two separate claims on his travel insurance in one year, including cancellation of a Golden Anniversary cruise, he was happy with the swift support he received.

In March 2019, he called us to declare a new health condition. Fortunately our underwriters accepted his new condition in a matter of hours so Richard could travel with peace of mind.

A few days later, his claim was paid out and Richard went ahead and rebooked his dream cruise.

By making sure your travel insurance is up to date, you can relax, knowing you’re covered.

Do I need to have had both my Covid jabs to be covered?

As long as you’ve had the vaccines you’ve been offered for Covid-19, you should be covered. If you haven’t been offered both doses yet or you’re medically exempt then you can also be covered.

If you’ve refused any doses of the vaccine or haven’t been able to have a dose you’ve been offered, you won’t be covered.

Do I need to mention my autoimmune disorders when I’m getting travel insurance?

Yes, it’s essential that you tell us about any pre-existing health conditions.

We can cover for the following autoimmune disorders:

• Arthritis
• Lupus
• Addison’s disease
• Multiple sclerosis

We understand that autoimmune disorders affect people in different ways, depending on your specific condition and the severity of your symptoms, which is why you need a personalised policy made just for you.

When you tell us about your medical conditions and how they impact your daily life, we’ll build a personalised policy that meets your needs.

If you forget to tell us about any of your pre-existing health conditions, this could affect the validity of your travel insurance policy and any future claims being accepted when you need us.

Can I get travel insurance if I’ve recently had surgery relating to my autoimmune disorder?

If you’ve recently had an operation, such as a joint replacement because of arthritis, we should be able to cover you. If your doctor has signed you off following the surgery and advised that you’re safe to travel.

What questions will I be asked about my autoimmune disorder?

You’ll need to tell us about the nature of your autoimmune disorder and how it affects your daily activities.

Step by step, at a pace that suits you, we’ll take you through some questions. Don’t worry, we respect your confidentiality and will only use the information you give us to build a level of cover that’s just right for your unique needs.

Some of the questions we commonly ask about autoimmune disorders include:

• • How long ago was your diagnosis made?
  • In the past five years, has your autoimmune disorder interfered with your daily activities?
  • What autoimmune disorder have you been diagnosed with?
  • Have you had any joints replaced or resurfaced?
  • How many medications do you take for your autoimmune disorder?
  • How many unplanned hospital admissions have you had for your autoimmune disorder in the last two years?
  • Have you required hospital treatment for your autoimmune disorder in the last 12 months?

Is my autoimmune disorder covered by my Global Health Insurance Card (GHIC)?

If you’re planning a holiday to Europe, you’ll need to take a free GHIC (or an EHIC) as a condition of our travel insurance.

When the United Kingdom left the European Union, the GHIC replaced the EHIC as the means for accessing free or subsidised healthcare in selected European countries. Before you travel, make sure you check that your destination is covered by GHIC, just so you’re ready if you do need any emergency or necessary treatment for your autoimmune disorder during your trip.

Remember, your GHIC is not the same as having good health conditions travel insurance. For example, it won’t cover you if you need to cancel your holiday.

Your GHIC helps reduce your medical costs where subsidised healthcare is available. If you can use your GHIC and have to pay a subsidised fee for your treatment, we’ll remove the excess fee on medical emergency claims for you.

I’ve bought travel insurance for my autoimmune disorder already. Should I tell you if my condition changes?

Yes, if your medical condition changes or you’re diagnosed with something new, you’ll need to let us know. That way, we can consider whether we can include the change in your policy.

Failure to tell us about any changes to your health may affect the validity of your policy if you need to claim.

We care about you travelling confidently, knowing you have the protection you need.