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HIV Travel Insurance

Fantastic cover at the right price for HIV Travel Insurance through The Insurance Surgery

When you live with a medical condition such as HIV you need to make sure you have the right HIV Travel Insurance before you go on holiday. Having a pre-existing condition like HIV can make it tricky to track down the deal you want on a policy. Our experienced team of HIV Travel Insurance specialists can take you through your application to make sure you have the cover you need at a price you are happy with.

The Insurance Surgery has partnered with Staysure, One of the UK's must trusted Travel Insurance specialists for pre-existing medical conditions.

If you would prefer to speak to an agent call FREE on 0800 804 8193 and quote discount code of TIS20 giving you 20% off the base premium of your policy.

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Most Common Questions

You will be taken through a ‘medical screening’ questionnaire. This gives the HIV insurance providers all the information they need to know about your condition and general health. They will want to know some specific information about your HIV; date of diagnosis, readings, how it is managed and any related conditions or complications. You need to answer the questions as fully and honestly as possible. If you withhold or give inaccurate information this can result in any claim you make regarding your HIV being classed as invalid, this would leave you liable to cover the cost of medical bills/expenses.
When an insurance provider looks at an application for a policy they need to assess the risk of there being a claim, if you live with a pre-existing condition such as HIV the insurer can view you as being at a higher risk of making a claim. Our team of HIV Travel Insurance specialists have several years of experience in assisting people like you to obtain cover. We work with a panel of insurance providers so we can search around for the policy you need.

HIV Travel Insurance guide:

If you have HIV it can make it more tricky to find Travel Insurance, this of course depends on the details of how the HIV affects you as an individual. When giving answers to the medical screening questions you need to be as honest and accurate as possible. This is to make sure the policy is valid if you need to make a claim. HIV Travel Insurance applications are based on information such as:

  • When you were diagnosed with HIV
  • What are you current readings
  • What medication you take
  • Any other related conditions/complications

These questions are part of the ‘medical screening process’, this process allows the HIV Travel Insurance company to look at your individual details to be able to calculate a premium. If you give incorrect information this can invalidate any claim made.

Obtaining your HIV Travel Insurance quotes:

We can quickly get a range of HIV Travel Insurance quotes for you in just minutes. We can do this with you over the phone, or you can get quotes online. To obtain your HIV Travel Insurance quote, we simply need you to provide us with the following information:

  • Type of HIV Travel Insurance policy you want (i.e. Single Trip or Annual Cover)
  • Details of your HIV (and any other pre-existing medical conditions)
  • Additional cover options (i.e. Winter Sports or Cruise Cover)

Quote Online:

It is quick and simple to get an instant online quote for HIV Travel Insurance by using our Quote and Apply system on our website.

Chat to an expert:

If you would prefer to discuss your requirements with one of our team of HIV Travel Insurance experts, then you can call us on:

Freephone – 0800 804 8193

Telephone lines are open 7 Days a week (Mon - Fri: 8.30am - 8pm / Sat: 8.30am - 6pm / Sun: 10am - 4pm)

Once you have selected your HIV Travel Insurance policy, we will simply email you the policy documents immediately so you can be sure that you have them ready for your trip.

Top Tips for HIV Travel:

Before you go away some preparation is essential, especially when you are travelling with a medical condition such as HIV. Often people only have a short checklist, such as:

  • Print tickets / boarding pass
  • Check passport dates
  • Pack sun cream / sunblock

If you have a pre-existing medical condition such as HIV, then it is a good idea to give thought to some extra things in your planning.

Take some Medical Advice before you travel

It is a good idea to speak to your GP, Doctor or a medical professional before you head off on holiday, just to check you are fit for travel and to be informed of anything you might need to think about while you are away with regards to your condition.

Take more than enough medication

It is a good idea to be over prepared when it comes to your medication, pack extra in case of delays or losses. Another handy hint if you are travelling with others is to ask them to pack some of your medication in their case too, just in case you baggage goes astray. It is worth looking into whether you chosen destination has any restrictions on the type of medication you can take with you. Also do be aware if you are taking strong painkillers then you need to check whether you require a license to carry them with you.

Apply for an EHIC

You can also receive a certain level of free cover for European travel if you apply for an EHIC (European Health Insurance Card) before you travel.

Apply Online: https://www.ehic.org.uk

It is important to check what you will be covered for with an EHIC and to take out an adequate HIV Insurance policy for your trip.

Useful Links:

NHS Choices: http://www.nhs.uk/conditions/HIV/Pages/Introduction.aspx
National Aids Trust: http://www.nat.org.uk/
Terrance Higgins Trust: http://www.tht.org.uk/
Avert: https://www.avert.org/
HIV Aware: http://www.hivaware.org.uk/

HIV and Life Insurance

The Insurance Surgery is also a leading expert for HIV Life Insurance, for more information click on the link, or call our team of expert advisors on 0800 083 2829 if you would like more information.

Case Study 1

  • Client: Male
  • Age: 44
  • Smoker status: Non-smoker
  • Medical condition: HIV
  • Cover date: 20th August 2019
  • Product type: Decreasing term insurance
  • Cover amount: £432,000
  • Cover term: 20 years
  • Premium: £37.49

We were approached by this gentleman on the 2nd of May 2019 when he completed an enquiry on our website for life insurance. Our advisor Mark S then contacted the gentleman to discuss his life insurance needs and his pre-existing medical conditions. At this point he explained that he was looking for £432,000 of cover over a 20-year period to cover his mortgage. Due to the fact that he was looking to cover a mortgage, Mark S advised that he should have a decreasing policy as they are designed to cover mortgages, and tend to have cheaper premiums. He then went on to disclose that he has HIV diagnosed in 2012 with an undetectable viral load. Due to the fact that HIV can be a potentially high-risk medical condition, the insurers require a GP report for the gentleman, which usually takes between 4 and 12 weeks to complete. During this waiting period, the gentleman also had some medical appointments which also delayed his application. However, despite this Mark S managed to secure the gentleman £432,000 of decreasing life cover over a 20-year period to cover his mortgage for a monthly premium of £37.49. This is an amazing result as HIV can be a tricky condition to find cover for due to the potential risks associated with it, and up until fairly recently HIV cover was either very expensive or impossible to achieve, so with that in mind, this is a great result for the gentleman.

As a whole, both us and the gentleman were delighted with the result as he now has cover that he previously did not have, and his mortgage will be protected if the worst happens. Furthering this, we are delighted to have helped another customer to get the protection that they deserve, especially a customer with HIV.

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