If you're living with diabetes and planning to travel across Canada or internationally, exploring travel insurance options should be a top priority. Many policies don't automatically cover pre-existing conditions like type 1 diabetes, but there are still choices tailored for your needs. In this blog, we’ll dive into what you need to know about travel insurance for diabetics, how to apply, and tips for navigating your journey safely while managing diabetes.
Does travel insurance cover type 1 diabetes?
Yes, some travel insurance plans in Canada do cover type 1 diabetes. While certain policies may exclude pre-existing conditions, others provide coverage. It’s essential to carefully review the fine print and inquire about exclusions, age limits, or restrictions based on travel destinations.
Travel insurance and pre-existing conditions
Pre-existing conditions refer to any medical issues diagnosed before purchasing travel insurance. This includes type 1 diabetes, as well as conditions like asthma, arthritis, Crohn's disease, heart disease, respiratory issues, multiple sclerosis, osteoporosis, allergies and more.
In Canada, having type 1 diabetes as a pre-existing condition means you’ll need to disclose it when applying for insurance. Policies that cover pre-existing conditions may come with higher premiums, but comparison shopping can help you find the best plan for your needs.
Here are factors to consider when purchasing travel insurance:
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Your age, as some policies have age limits.
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Whether you’ve undergone a recent medical examination, as some insurers require one.
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Your travel destination, since certain regions may be excluded.
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Planned activities, as risky pursuits like bungee jumping may not be covered.
Related article: The Ultimate Checklist for Traveling with Diabetes.
Is type 1 diabetes a pre-existing condition?
Yes, type 1 diabetes is classified as a pre-existing condition, as it predates the purchase of your insurance policy. Within this category, type 1 diabetes involves insufficient insulin production, while type 2 diabetes occurs when the body does not use insulin effectively. Both types require full disclosure to the insurer. You may also need to provide medical records or undergo a medical examination during the application process.
How to select the best travel insurance for type 1 diabetes?
When applying for travel insurance in Canada, you’ll need to provide personal information such as your name, address, and birthdate, along with details about your medical history and any medications.
Ensure the policy explicitly covers pre-existing conditions.
Here’s what to focus on:
Look back period travel insurance
This is the timeframe during which the insurer reviews your medical history for pre-existing conditions. In Canada, the look-back period typically spans 12 months but can vary by provider.
What is deductible in insurance?
A deductible is the out-of-pocket amount you pay before your insurance coverage begins. For instance, if your policy has a $500 CAD deductible per person and covers two individuals, you’d need to pay $1,000 CAD upfront for claims to be processed.
Coverage waiting period
The waiting period refers to the time between purchasing a policy and when coverage starts. This period can range from 24 hours to a few days, depending on the insurer.
Scope of coverage
Your policy should clearly outline coverage limits for expenses such as medical emergencies, trip cancellations, or lost medication. Potential scenarios include:
- Baggage loss
- Medication loss or theft (e.g., insulin)
- Hospitalization
- Missed flights due to health emergencies
- Insulin spoilage in extreme temperatures
Related article: How to Keep Insulin Cool During a Power Outage.
Diabetes travel insurance cost
The cost of travel insurance in Canada for type 1 diabetes varies based on your age, trip duration, and chosen policy. Options include annual coverage, single-trip insurance, or plans tailored for seniors or those with pre-existing conditions.
While basic plans may cost less, they often come with lower coverage limits. Premium plans offer broader benefits but at a higher price point.
Affordable plans
- Lower coverage limits
- Smaller deductibles
- Fewer hospitalization benefits
Premium plans
- Higher coverage limits
- Larger deductibles
- Comprehensive hospitalization benefits
Frequently Asked Questions
Do you need to disclose diabetes to your insurer?
Yes, it’s highly recommended. Failing to disclose diabetes may result in denied claims if the condition is linked to a claim. Be prepared to answer additional questions, such as:
- Do you take medication for diabetes?
- Have you had recent hospitalizations?
- Do you have complications like high blood pressure?
What are the best travel insurance for diabetics?
In Canada, companies like Blue Cross, World Nomads, and Allianz offer travel insurance plans for type 1 diabetes. The best option depends on factors such as your trip length, destination, and planned activities.
There isn’t a one-size-fits-all answer to this question, as the best travel insurance depends on your unique needs and budget. When selecting a policy, consider the following factors:
- The duration of your trip
- Your destination(s)
- The activities you plan to engage in during your travels
- Your age
Ensure the policy you choose provides adequate coverage for your specific travel plans and complies with any requirements for visiting your destination.
Does type 2 diabetes affect travel insurance?
Type 2 diabetes is sometimes excluded from pre-existing condition clauses, but it’s wise to confirm coverage specifics with your insurer to avoid surprises.
Conclusion
Travel insurance can provide peace of mind for Canadians with type 1 diabetes, but it’s crucial to declare the condition during the application process. Carefully review policies for exclusions, waiting periods, and coverage limits. While travelling, always carry necessary medications and a reliable insulin cooler to ensure safe storage. By planning ahead, you can enjoy your travels while managing diabetes effectively.
