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.
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.
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:
When you meet all four of these conditions, any trip cancellations or travel medical emergencies related to your diabetes may be covered.
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.
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:
Your bag when backpacking is heavy enough. Here's how travel insurance can help take some weight off your shoulders.
Travel insurance comes at a price, but so could opting out of it.
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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