This guide if for food allergies, please remember to give all medical conditions at time of quote of insurance as your insurance will be null and void if taken out and not all is declared. Always ask questions that you would normally ask about insurance for anything other than food allergies e.g., lost baggage, cover money so on, this guide does not cover these questions.
- Declare all allergies and health conditions. Be as specific as possible when you explain your allergy.
- Avoid holiday travel health insurance policies that exclude treatment of any “pre-existing health condition”, as this could include allergies.
- Different companies will have different length of times of required information, how long you had the condition and how long been treated/medication for condition.
- Some companies may decline insurance if had anaphylaxis within the last 2 years.
- Some companies will cover allergies but does not cover anaphylaxis, so do check.
- If you have asthma this must be declared separately from allergies.
- Even you have not had to use an adrenaline auto-injector you must declare allergies.
- If going as a group find out if your travel insurance is cheaper for the group or have yours separately.
- If you buy a group travel insurance, make sure that you all travel together as the insurance might not be valid.
- Shop around to see if cheaper by buying, single-trip travel insurance or annual multi-trip policy.
- Some credit cards or bank accounts offer travel insurance, check but sometimes the coverage is very limited.
- Take out travel insurance that covers where you are going e.g., European, Worldwide, Worldwide (excluding the USA, Canada, and the Caribbean).
- Most companies will require medical screening.
- Will the insurance cover you for multiple destinations, if required?
- Will you be covered for day trips?
- Will there be additional cover I need to take?
- Will I need a medical?
- Is there an upper age limit? The upper age limit varies from company to company.
- How much covered for emergency treatment and medical expenses?
- Does the policy cover ambulance travel?
- How much cover for travel delay if taken ill?
- If taken ill will accommodation be paid for e.g., hotel will be covered- extra stay
- If recuperation stay included?
- Legal protection cover included?
- Cost of return flight if delayed?
- What is the excess?
- Does destination have a reciprocal health agreement with the UK?
- Is cost of medications included? Including damaged or lost medication.
- 24-hour medical helpline/ emergency helpline, what is the phone number?
- Some policies children are covered for free.
- Some companies will cover your allergies without going to a specialised company but ask how much extra the premium for the cover will cost.
- Have a UK Global Health Insurance Card or European Health Insurance Card (GHIC or EHIC) do not pay for this, this is a free service and unscrupulous companies will charge a fee. Link below of official site. (EHIC European Union country, Iceland, Liechtenstein, Norway, or Switzerland.)
- Sometimes it is cheaper to buy travel insurance well in advance of travelling, but if you have any health issues between policy taken out e.g., an annual travel insurance, or before travelling on single travel policy, you must update the insurance company information of reaction/treatment/hospitalisation/anaphylaxis or otherwise it will void your insurance.
- If you find a better company and you have already paid a company do not forget you have a 14 cooling off period by law.
- Shop around for a policy that is good for you, also remember cheap might be good for the pocket but if you have not got everything covered and you are taken ill it could end up more expensive.
- If you cannot afford an emergency should consider buying a policy that pays care providers directly.
- You need to pay for the costs upfront, collect receipts, and then make a claim for reimbursement from your travel insurance company.
- keep all documentation as this will be needed for proof for claim.
- Some companies may not pay out if a reaction happens when drunk, not saying not to have a drink but remember your reaction and choices could be affected by alcohol.
- Who underwrites the insurance?
- Do not waiver your health condition.
- Read all the travel insurance documents, including the small print before travelling.
- Make sure you have travel insurance documents before travelling.
- Are you covered for holiday cancellation if you’re unfit to fly or travel due to an allergic reaction before your departure date?
- If you are going on holiday, say for example 3 months and you have taken out a 3-month policy but during the policy you have become ill and came home, if you decide after getting better you going to continue the rest of your holiday, check with your travel insurance company. Some travel insurance companies will not honour time left on the policy.
- If you have travelled already, or your travel insurance has run out while you are away there are companies offering already travelling travel insurance.
Find a travel insurance provider if you have a serious medical condition Money Helper
Applying for healthcare cover abroad (GHIC and EHIC) NHS
What is not covered by the UK Global Health Insurance Card (GHIC) or European Health Insurance Card (EHIC)?
Will not cover:
- The costs of private healthcare
- The cost of being brought back to the UK
A GHIC or EHIC is not a substitute for travel insurance.
Brexit – you will need a UK Global Health Insurance Card (GHIC). But card does not provide cover in Iceland, Liechtenstein, Norway, or Switzerland.
This document helps to explain the citizens’ rights aspects of the UK-EU Withdrawal Agreement. GOV
Are you covered? Travel insurance and its regulation GOV
Please note that British Food Allergy Awareness does not endorse or recommend any travel insurance company, the guide above is only a guide, and it is the responsibility of the individual, to insure themselves, within the rules of the insurance company, and British Food Allergy Awareness has no responsibility for that company for prices.
This information is only given as guidance and not extensive. Information to be used at individual’s responsibility. Always seek medical advice.
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