Can you get travel insurance if you have diabetes?
You can with JustCover. Having type 1, type 2, or gestational diabetes won’t put a stop to your travel plans when you buy a policy from us.
Whether it’s emergency treatment, lost medication or cancellation, we understand the needs of people with diabetes. And with access to a 24/7 medical helpline, support is just a call away.
We also cover multiple medical conditions. So if diabetes isn’t your only concern, you’re still in good hands.
Why do you need travel insurance for diabetes?
Living with diabetes and planning a trip abroad? Finding the right travel insurance is essential. That’s because travelling with a chronic condition comes with its own unique risks.
From sudden hypos to lost medication, the best diabetes travel insurance makes sure you're protected if your health affects your plans. It gives you the freedom to enjoy your holiday without worrying about access to care or costly medical bills.
Here’s what makes it a must:
- Covers emergency medical expenses. Travel can make diabetes harder to manage. Changes in climate, diet and activity levels may impact blood sugar control. Our diabetes travel insurance makes sure you're protected if you need urgent medical care abroad. It can cover medical repatriation if you need to get back home. And with a 24-hour emergency medical helpline, you won’t be left to navigate it alone.
- Covers cancellation. According to a survey, 46% of Irish people with type 2 diabetes rated their general health as fair, poor or very poor. If your health disrupts your travel plans before you’ve even taken off, travel insurance can help you recover pre-paid costs.
- Covers lost or stolen medication. Losing your luggage is bad enough. But losing your medication abroad can really eat into your holiday budget. In countries like the USA, a single vial of insulin can cost up to $100. A one-month supply of metformin can cost around $165. Travel insurance means you’re not left out of pocket.
What types of diabetes are covered?
Whether your diabetes is newly diagnosed or something you’ve managed for years, our travel insurance is designed to support you. We cover a wide range of diabetes types, so you can travel knowing you’re fully protected.
Types of diabetes covered
No two types of diabetes are exactly alike – and neither are the challenges they can bring when you travel. That’s why our travel insurance is designed to support every form of the condition, with cover that adapts to your plans.
- Type 1 diabetes – Often diagnosed in childhood or early adulthood. Travelling with type 1 means managing insulin and monitoring blood sugar. With insulin pens, glucose monitors and test strips, a lost bag can quickly become serious. Travel insurance for type 1 diabetes covers emergency treatment and replacement medication, so you’re never caught short.
- Type 2 diabetes – The most common form, type 2 diabetes can be managed with medication, diet or insulin. But changes in diet, activity and routine can affect blood sugar levels while travelling. Diabetes travel insurance covers you if your condition takes a dip on holiday.
- Prediabetes – Prediabetes means your blood sugar levels are higher than normal, but not yet in the diabetic range. Staying active is the key to managing prediabetes. But travel can sometimes make that harder, especially with long flights, changes in routine or unfamiliar food.
- Gestational diabetes – Occurs during pregnancy. Although gestational diabetes usually resolves after birth, it needs careful monitoring. Travel insurance for gestational diabetes provides support if you need medical attention abroad.
- Secondary diabetes – When diabetes is linked to another medical condition or medication, travel can be unpredictable. Holiday insurance for diabetes makes sure you’re supported if your health takes an unexpected turn.
What does JustCover’s travel insurance for diabetics cover?
Looking for the best travel insurance for diabetics in Ireland? It’s important to know what’s included. Find the main benefits and exclusions below and read our Policy Wording for full details.
What's covered
Emergency medical expenses and repatriation costs – This includes the costs of tests, medications and procedures necessary to treat an illness or injury while abroad. You’ll also be covered for repatriation, making sure you return safely to Ireland.
Cancellation – Cover for flight and accommodation costs if an unexpected event means you have to cancel your trip before you go.
Curtailment – Cover if you need to cut your trip short and return home early following an emergency.
Travel delays – If your flight is delayed, we’ll compensate you for the time.
Personal belongings – You’ll be covered if your bags (or their contents) are lost or stolen.
Personal liability – Cover for your legal expenses and any liability if you accidentally injure someone or damage their property while you’re away on holiday.
Legal protection cover – Provides cover for your legal expenses if you have to claim compensation or damages due to something that happened while you were away on holiday.
What's not covered
Claims below the value of the excess – You won’t be able to claim if the amount is lower than the excess on your policy. This threshold varies depending on the level of cover you’ve selected.
Trips outside the region of cover – If you travel to a country or area not listed in your policy documents. Always check your documents to confirm the destinations included in your cover.
Known events or circumstances – Claims related to problems that you knew about before booking the trip or buying the travel insurance.
Medical conditions you don’t declare – You need to tell us all of your pre-existing medical conditions to be fully covered.
Choosing not to travel – You’re only covered for cancellation where the reason falls within the policy terms and conditions.
Travelling against medical advice – We can’t cover you if you’ve been told not to go by a doctor or your medical team. We also can’t cover you if you’re travelling to get treatment.
Do you have to declare diabetes for travel insurance purposes?
Yes, you do need to declare diabetes when taking out travel insurance. It might feel like just another box to tick, but being upfront means your policy can properly protect you. Declaring your diabetes means you’re covered for emergency medical treatment, lost medication, and even changes to your travel plans if your health takes an unexpected turn.
Declaring diabetes doesn’t mean your premium will skyrocket. In fact, many people with well-managed diabetes are still eligible for affordable, tailored cover. It’s all about making sure you’re fully supported. You can focus on the fun, knowing your health is in safe hands.
How to get travel insurance if you’re diabetic
Getting travel insurance for diabetes is so easy at JustCover. We specialise in policies for people with medical conditions. It’s why our process is simple, supportive and stress-free.
- Start by getting a quote online or giving us a call. We’ll ask a few questions about your trip and any travellers you’d like covered.
- You’ll then complete a short medical questionnaire. It’s quick, straightforward and designed to help us tailor your cover. It’s important to be honest with your answers so your policy works exactly as it should.
- Once complete, we’ll send you a quote. You can buy your policy right away or save it for later.
What to expect in the medical questionnaire
We’ll ask a few key questions to help us understand you and your condition a little better. It may be helpful to have your medical details to hand before you start.
You might be asked:
- What type of diabetes you have
- Whether you take insulin or other medication
- If you’ve experienced any complications or hospital visits in the last two years
- Whether you have any other medical conditions
The more honest you are with these questions, the more accurate your quote will be. It also ensures that your policy is valid and that you’re properly protected if something happens while you’re away.
How much does travel insurance cost for people with diabetes?
The cost of travel insurance for diabetics can vary from person to person. That’s because we look at the full picture, not just your diagnosis. Everything from your age to your destination plays a part in shaping your quote.
Factors that can affect the price you’ll pay include:
- Your age – Older travellers generally pay a little more due to increased health risks.
- Your destination – Some countries have higher medical costs, which can raise your premium.
- The length of your trip – Longer holidays cost more to insure than short breaks. Why? Because there’s more time for things to go wrong.
- Your plans – Going skiing, cruising or bringing expensive gadgets? You’ll need to add extra cover.
- How well your diabetes is controlled – If your diabetes is stable and well-managed, your premium may be lower.
- Other medical conditions – If you have additional health conditions, they’ll be factored into your quote.
How can diabetes patients get cheaper travel insurance?
Getting the right cover doesn’t have to mean paying over the odds. If you’re living with diabetes, there are a few simple ways to keep costs down while still making sure you’re properly protected.
- Not going alone? Group or family travel insurance can often work out cheaper than individual policies for everybody.
- If you’re only going away once, a single trip policy may be more cost-effective than annual cover.
- Short breaks to Europe are usually cheaper to insure than long-haul adventures.
- If your diabetes is stable and well-managed, that can make a big difference to the price you pay.
But most importantly, look for a specialist provider who understands diabetes. Tailored cover from JustCover means you’re not paying for extras you don’t need – and you’re supported when it really matters.
Choose the right level of cover
We offer different levels of cover to make your Travel Insurance as cost-effective as possible.
Black
Gold
Silver
Get a quote in minutes...
Find the best diabetes travel insurance
Planning a one-off trip or a year’s worth of adventures? Choose the diabetes travel insurance that best fits your travel style, for cover that keeps up with your plans.
Annual multi-trip travel insurance
Let's you take as many trips as you like in a year², without arranging new cover each time.
Single trip travel insurance
Going away just once? Single trip cover offers tailored support from the moment you book.
Why choose JustCover for your diabetes travel insurance?
With JustCover, you get specialist travel insurance designed around the realities of living with diabetes. We’ll tailor your cover to suit your health and your plans, so you can go away feeling ready to enjoy every moment. Our policies include:
- Up to unlimited cover for emergency medical expenses and repatriation
- 24/7 emergency medical helpline, wherever you are
- Up to €10,000 cancellation cover available³
- 98% of our customers rate us as ‘Excellent’ or ‘Great’⁴
- 98% would recommend JustCover to family and friends⁵
Specialist travel insurance for diabetics
Pre-existing Medical Conditions
We consider more than 1,300 health conditions. And if you’re managing multiple conditions, we’ll tailor your cover to suit you.
Family travel insurance
Cover the whole clan under the same policy and you’ll all be protected if something goes wrong. Less paperwork, more fun!
Cruise travel insurance
We understand the unique challenges of cruising with diabetes. Our specialist cover helps you relax and enjoy the journey.
Destinations covered by diabetes travel insurance
From city breaks to long-haul escapes, our diabetes travel insurance will help you go the distance.
Worldwide travel insurance
Heading further afield? We can cover your diabetes from Bali to Bangkok. Our worldwide policies give you the freedom to explore, knowing support is always within reach.
Diabetes travel insurance with other pre-existing medical conditions
Living with diabetes often means managing more than one health condition – and that’s completely normal. In fact, a survey by Diabetes Ireland found that 30% of people with Type 2 diabetes also have high blood pressure.
At JustCover, we can include multiple pre-existing conditions in your policy, not just your diabetes. Just let us know what you’re managing, and we’ll tailor a quote that fits you. As a specialist travel health insurance provider, we want you to feel supported, so you can focus on enjoying yourself.
Examples of the types of health conditions we can cover include:
- Asthma
- Cancer
- COPD
- Disability
- Heart condition
- High blood pressure
- High cholesterol
- Stroke
Will an EHIC cover you abroad if you’re diabetic?
Travelling from Ireland to another EU country? Your European Health Insurance Card (EHIC) will let you access public healthcare on the same terms as local residents. This may be at a reduced cost, and sometimes even free of charge. It’s a helpful backup – but the EHIC has its limitations.
Your EHIC won’t cover private treatment or emergency repatriation if you need to be flown home. It also won’t protect you against delays, cancellations or lost personal belongings.
And crucially, it won’t cover lost medication – which can be a big deal when you’re managing diabetes abroad. That’s why it’s important to have travel insurance tailored to your health needs. Paired with your EHIC, it means you’re properly protected wherever your holiday takes you.
A simple 3-step process to book your diabetes travel insurance
Get your quote in seconds
You will only need to tell us some information about yourself and your holiday plans
Select and tailor your cover
Now all you need to do is to choose the level of cover that best suits your needs
Buy your cover and relax
Purchase your cover and you’re ready to go – we’ll take care of the rest!
Expert travel insurance recommendations from our team
"Diabetes is a condition that’s often well-managed day to day. But travel can throw in a few unexpected challenges! From changes in routine to lost medication, it’s important to have cover that understands the realities of living with the condition, like the diabetes travel insurance at JustCover.
With protection for lost medication, glucose monitors and more, our cover is designed to meet your needs without fuss. Take us with you, and you can travel smart, knowing your health is in safe hands."
Peter Clark, JustCover Director
What our customers say
“I like that the easy-to-use web form includes an ‘uncomplicated medical issues’ addition. I put in type 2 diabetes, and the form automatically presented the normal comorbidities of high BP and cholesterol medications for confirmation. It simplified deciding what should be included.”
see full reviewHow to prepare for your trip
Travelling with diabetes takes a little extra planning. But with the right steps (and the right cover) you can focus on the good stuff: exploring, relaxing and making memories.
- Speak to your healthcare team before you go – They can advise on adjusting your medication across time zones and help you plan for any health needs abroad.
- Pack more than you think you’ll need – Bring at least double your usual supply of insulin, test strips, and hypo treatments. Split them between bags in case one goes missing.
- Carry your medication in your hand luggage – Insulin can be damaged by extreme cold in the hold, and you’ll want easy access during your journey.
- Check airline rules – Travelling with insulin pumps or glucose monitors? Some carriers may ask for documentation.
- Bring a copy of your prescription – You should also research where to get emergency supplies at your destination.
- Watch the weather – Hot climates can affect insulin absorption and increase the risk of hypos.
- Pack snacks – Delays happen. Having quick-acting carbs on hand can help you manage your blood sugar.
- Take out travel insurance that covers diabetes – It can protect you if you lose medication, need emergency treatment or have to cancel your trip due to your condition.
Tips for travelling with diabetes
Once you’re on the move, a few smart habits can help you enjoy your trip to the fullest.
- Stick to your routine whenever possible – Time zone changes, unfamiliar foods and busy schedules can throw off your usual rhythm. Try to keep meals, testing, and medication times consistent.
- Be mindful of local cuisine – Trying new foods is part of the fun! But keep an eye on carb content and portion sizes to avoid unexpected spikes or dips.
- Stay active, but pace yourself – Sightseeing can mean lots of walking, which affects blood sugar. Take regular breaks and keep water and snacks on hand.
- Store insulin safely – Use a travel-friendly cooling pouch if you’re in a hot climate. Avoid leaving medication in direct sunlight or overheated vehicles.
- Know the signs of a hypo – Travel can be tiring and unpredictable. Make sure you and your companions know what to look for and how to respond.
- Keep emergency contacts handy – Save local emergency numbers and know where the nearest pharmacy or clinic is, just in case.
- Have your travel insurance details to hand – If you need medical help or lose your supplies, knowing who to call and what’s covered can make all the difference.
Frequently asked questions about travel insurance for diabetes
Is diabetes considered a pre-existing medical condition for travel insurance?
Yes, diabetes is classed as a pre-existing medical condition, even if it’s well-controlled. That might sound a bit formal, but it’s simply to make sure your policy gives you the right protection while you’re away. If you don’t declare your diabetes, you won’t be covered for any costs related to it during your trip.
When you get a quote with us, we’ll ask a few straightforward questions. Things like what type of diabetes you have and whether you take any medication like insulin or metformin. and if you have any other health conditions, such as high blood pressure or cholesterol. It’s all part of tailoring your cover to suit your needs.
A pre-existing condition is any health issue that falls within our medical warranty. You’ll need to let us know if you (or anyone else on the policy) has:
- Taken prescribed medication or received medical advice or treatment in the last two years.
- Been placed on a waiting list for treatment that could affect your travel plans.
- Been advised of a terminal illness.
For full details, take a look at our Policy Wording.
Can you get winter sports or extreme sports cover as a diabetic?
Yes, you can get winter sports or extreme sports cover at JustCover – and adding it to your diabetes travel insurance is simple. Both are available as optional extras, so just let us know your plans when you get your quote.
We do have one small caveat: our winter sports cover is only available up to age 65. But if you’re under that limit and planning to hit the slopes, we’ve got you covered. Just let us know about your diabetes and any other health conditions, and we’ll tailor your policy to suit your plans.
And here’s something that might surprise you. We cover over 100 sports and activities as standard. That includes things you might think of as extreme, like up to three bungee jumps. So whether you’re planning a gentle hike or something a little more daring, there’s a good chance you’re already covered. See our Policy Wording for the full list of activities that are automatically included when you get your cover.
Are there age limits for diabetes travel insurance?
No, we don’t have an upper age limit for travel insurance for diabetics. We offer seniors travel insurance for:
We’ll consider senior travellers with more than 1,300 medical conditions. That includes diabetes and other related conditions, like high blood pressure or high cholesterol.
Note: We have an age limit of 65 on our winter sports cover. Read our travel insurance with diabetes Policy Wording for full details of any other exclusions.
Does travel insurance cover lost insulin?
Yes, it does– and that’s reassuring when you consider how expensive medication can be abroad. If your insulin or other diabetes supplies are lost or stolen during your trip, your travel insurance can help cover the cost of emergency replacements. That way, you’re never left without what you need.
To make things as smooth as possible, it’s a good idea to bring a copy of your prescription with you. This can help local doctors or pharmacists issue replacements more quickly. And if you’re travelling within the EU, don’t forget your European Health Insurance Card (EHIC). It allows you to access public healthcare in EU countries on the same terms as local residents – sometimes free, sometimes at a reduced cost.
Just remember: keep all receipts for any medical expenses or replacement medication. You’ll need to provide them if you make a claim, and your claim may be rejected if receipts aren’t available.
Can you get travel insurance if your diabetes isn’t well-controlled?
Yes, you can still get travel insurance, even if your diabetes isn’t perfectly managed. We understand that diabetes can be unpredictable. We won’t automatically exclude you just because your condition isn’t fully stable.
That said, it’s always wise to speak to your doctor or diabetes team before you travel. They can help you decide whether it’s safe to go and offer advice on managing your condition abroad.
When you apply for cover, you’ll be asked a few questions about your health. Things like whether you’ve had any recent complications, hospital visits or changes in medication. These help us tailor your policy to make sure you’re properly protected.
The key is to be honest and thorough when you declare your medical history. You may pay a little more for your premium. But the important thing is that you’ll still be covered for the things that matter. Things like emergency treatment, lost medication, and trip cancellations related to your condition.
Will you need a doctor’s note or medical certificate to get travel insurance for diabetes?
No, you don’t usually need a doctor’s note or medical certificate to get travel insurance for diabetes. When you apply, you’ll be asked a few straightforward questions about your condition. We’ll ask what type of diabetes you have, whether you take medication, and if you’ve had any recent hospital visits. This helps tailor your cover to your needs.
If you’re flying, it’s a good idea to bring a letter from your GP or diabetes team. It can explain why you’re carrying insulin, needles or medical devices like a glucose monitor. It's especially helpful at airport security. You should also carry a copy of your prescription in case you need emergency supplies abroad.
Do you need to update us if your medication or condition changes before you travel?
Yes, you will need to tell us if there’s a change in your condition before you go. That might be a new medication or a recent complication your doctor is helping you manage. Keeping your policy up to date means there won’t be any surprises if you need support while you’re away.
At JustCover, we want you to feel confident and cared for. So if anything changes, just get in touch. We’ll guide you through what to do next and make sure your cover still fits your needs.
What should you do if you lose your insulin or medication abroad?
Losing your insulin or diabetes medication while travelling can feel overwhelming. But with JustCover, you won’t have to navigate it alone.
Call our emergency medical helpline as soon as possible. We’ll guide you through what to do next and help you access replacement medication locally. If you’re in the EU or Switzerland, your European Health Insurance Card (EHIC) can also help you access public healthcare. Be sure to present it if you need an emergency prescription.
It’s a good idea to travel with a copy of your prescription and a list of your medications. This makes it easier for local doctors or pharmacists to issue replacements. If your usual medication isn’t available, they may offer an alternative. Be prepared to monitor your blood sugar more frequently until you’re back on your regular routine.
If you need to pay for emergency supplies, keep all receipts. You’ll need them to make a claim, and your claim may be rejected if receipts aren’t provided.
When should you buy diabetes travel insurance?
The best time to buy your travel insurance is as soon as you book your trip. That way, you’re covered straight away for cancellation. It means you can recoup pre-paid costs if your diabetes means you need to change your plans.
Life can be unpredictable. Having your policy in place early means you won’t be caught out by the unexpected. So once your flights or accommodation are confirmed, go ahead and sort your cover. It’s one less thing to worry about.
†. Based on Trustpilot reviews of all companies in Ireland within the Travel Insurance Company category - January 2025.
Get a quick travel insurance quote
Affordable travel insurance for all your needs