Heading abroad for some much-needed relaxation? We’ll keep you fully covered in the event of an emergency. Our travel insurance for Crohn’s disease means you can take us with you, whatever you’ve got planned.
Can you get travel insurance if you have Crohn’s disease?
30% of people with Crohn’s feel that their condition limits their options to travel abroad. We want to change that. We want to make it as easy as possible for you to get travel insurance for your trip. Our Crohn’s disease travel insurance covers medical emergencies related to your condition. It will even cover repatriation back to the UK if you need it.
Here’s why getting Crohn’s disease travel insurance is an absolute must:
- Covers emergency medical expenses: Don’t get stuck with a hefty medical bill while you’re away. People with Crohn’s disease are 50% more likely to have an episode of illness while travelling, according to one study. Our Crohn’s disease travel insurance offers up to unlimited cover for medical expenses.
- Covers repatriation: Crohn’s is a complicated condition, and some countries will not have adequate treatments. If you experience a complication, it’s important to make sure you can be repatriated back to the UK for treatment.
- Covers cancellation: Two major symptoms of Crohn’s are fatigue and chronic pain. One study showed that 43.8% of travellers with Crohn’s had to cancel or alter their plans due to their condition.
- Protects your belongings: Lost the bag that contains your medication? Crohn’s medication can cost as much as $987.56 (£765) for a single vial in the US. With InsureandGo, you’ll be covered if you need to buy emergency medication abroad.
- Help when you need it: We know that travelling with a pre-existing condition like Crohn’s can be challenging. That’s why we also offer a 24/7 emergency medical helpline.
At InsureandGo, we make it possible for you to travel knowing you’re covered. There’s a reason 99% of our customers would recommend us to family and friends3.
What does InsureandGo’s Crohn’s disease travel insurance cover?
What’s covered?
Our travel insurance for Crohn’s disease includes:
- Medical emergency expenses.
- Cover for cancellation of your trip.
- Our 24-hour emergency assistance team, available to call, day or night, wherever you are
- Over 100 sports and activities covered (see your policy wording for a full list of activities)
- Personal belongings and baggage cover.
- Personal money, passports and travel documents cover.
- Accommodation cover.
- Legal expenses cover.
What’s not covered?
There are some situations travel insurance will not cover. For example:
- You cannot cover events or reasons to claim which took place before you booked the trip or purchased insurance. Insurance exists to cover unexpected events outside of the insured’s control
- Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60
- All of our travel insurance policies include cover for cancellation of your trip, but there may be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go
Find out about our optional add ons for activities like extreme sports, cruises and golf.
We will consider all pre-existing medical conditions. Find out more about medical travel insurance.
The excess and amount of cover available varies depending on the level of travel insurance you buy. Check the policy wording to see the full terms and conditions.
The best travel insurance for your holiday
Every trip is different, which is what makes them so fun. But this means you might need slightly different types of cover. Not sure what you need? Here’s what we’d suggest.
- Departing for warmer waters? Cruise insurance means that you’re protected against missed departures and cabin confinement. We’ll even cover the cost of any unused excursions.
- Staying local-ish? Our European Travel Insurance means you’re covered across the entire continent.
- Going slightly further away? Worldwide travel insurance means you’re protected around all four corners of the globe.
- Big family holiday? Get everyone on the same page, literally, with family travel insurance.
- Spending a little longer abroad? Single trip travel insurance covers you for up to 365 days of consecutive travel.
- Need a hole-in-one? Golf insurance covers you and your beloved clubs, so you can both sleep easy and focus on your short game.
Choose a cover level to suit your travel needs
Black | Gold | Silver | |
Medical expenses and repatriation | Unlimited | £15 million | £10 Million |
Cancellation and curtailment | £10,000 | £7,500 | £5,000 |
Travel delay | Up to £650 | Up to £540 | Up to £450 |
Personal belongings | £5,000 | £2,500 | £2,000 |
Legal Expenses | £60,000 | £50,000 | £15,000 |
Standard Excess | Nil | £50 | £60 |
Crohn’s disease travel insurance with other pre-existing medical conditions
If you have Crohn’s and other pre-existing conditions, you’re not alone. 78% of people who live with Crohn’s disease also have at least one other pre-existing condition. But we believe that having pre-existing conditions shouldn’t stop you from travelling. We’ve helped more than 27 million travellers go abroad, and we can help you too.
Before we can give you a quote, you’ll need to do a medical screening. During this process, we’ll ask you a few questions. This is so we understand your Crohn’s disease better, and we can give you the level of cover that you need. Some of the questions we might ask include:
- When were you diagnosed with Crohn’s?
- What medications do you take to manage it?
- When was the last time you were admitted to hospital for treatment?
If you’ve got other pre-existing conditions, you need to declare each of them during the medical screening process. Remember that our medical warranty defines a pre-existing condition as anything where you have been:
- To a hospital, clinic, or GP surgery for medical treatment within the last two years. This also applies to remote consultations, either on the phone or through an app.
- Placed on a waiting list, which might mean you’ll have to miss your trip.
- Told you have a terminal illness.
We can cover many other conditions, including asthma, cancer, COPD, disabilities, heart conditions, high blood pressure, and stroke.
Once you’ve completed a medical screening, you can get a quote for travel insurance with Crohn’s disease.
How to book our Crohn’s disease travel insurance
There’s so much to think about when planning a holiday. At least getting a quote for your Crohn’s disease travel insurance is easy.
1. Let us know about your trip
Tell us where you’re going, who you want to cover and when you want the policy to start. We’ll ask you about your condition and any other pre-existing medical conditions.
It’s quick and easy to give us this information, online or by phone.
2. Get your quote
After you’ve given us all the details we need, we’ll send you a quote. You can either buy your policy there and then or save the quote for the future.
Letita Smith – Travel insurance expert
“Living with Crohn’s disease can make it more complicated to travel, but our travel insurance makes things a little easier. Just think about the types of cover you’ll need, and you should be all set. Medical cover is important in case you have an emergency when abroad.”
Our customer reviews speak for themselves
Only ever use InsureandGo
“Only ever use InsureandGo for travel insurance, have done for a few years now. They are especially helpful with existing medical conditions that aren’t all that well known. Friendly and helpful staff. Highly recommend. Big thank you to Autumn for your help today.”
– Sam Dismore
– Date of experience: 03 September 2024
There’s a reason 99.7% of our customers would consider buying from InsureandGo again3. Here’s what they have to say about us.
Frequently asked questions on Crohn’s disease travel insurance
Can I travel if I have Crohn’s disease?
Yes, you can travel if you have Crohn’s disease. You might need to make some adjustments to your trip, but it is possible. One medical review found that 89% of people with Crohn’s had been abroad in a year period.
If you’re planning to travel with Crohn’s, think about what you will need. Try to plan as far in advance as possible, so that you have time to stock up on any medications you might need. It might also be worth talking with your doctor to get some health advice.
Is Crohn’s considered a pre-existing condition?
Yes, we – and most insurance providers – consider Crohn’s to be a pre-existing condition. We define a pre-existing condition as:
- If you’ve been to a hospital, clinic, or GP surgery for medical treatment within the last two years. This also applies to remote consultations, either on the phone or through an app.
- If you’ve been placed on a waiting list, which might mean you’ll have to miss your trip.
- If you’ve been told you have a terminal illness.
Will Crohn’s disease affect my travel insurance?
Having Crohn’s disease will affect your travel insurance. Each travel insurance policy is based on a few different factors. These factors include:
- Your age
- Your medical history, including any pre-existing conditions – like Crohn’s disease
- Your destination
- How long you’re going for
- What you will do on your holiday
Each of these varies from person to person and from trip to trip, so each Travel Insurance policy is different.
Will a GHIC be enough when travelling with Crohn’s?
The UK Government advises that even if you have the GHIC, you still take out proper Travel Insurance with medical cover before leaving the UK. If you’re planning to go abroad and you have Crohn’s, it’s important to take out proper Travel Insurance. Crohn’s is a complex condition, and you may find it difficult to get treated abroad. If you need to be repatriated back to the UK for treatment, the cost can be in the tens of thousands of pounds.
Who can buy an InsureandGo Crohn’s travel insurance policy?
All our travel insurance for Crohn’s disease policies are available to UK residents. This means:
- Someone who has been living in the UK or the Channel Islands for at least six of the last 12 months
- They must be in the UK at the time of purchase
- All trips must start and end in the UK
Get a quote online or browse our policy documents for more information.
Travel insurance guides
Frequently asked questions
If you’ve got more questions about how our travel insurance for people with Chron’s disease or more general travel insurance queries, have a read through our FAQs.
Travel advice
Our travel advice section offers handy tips and guides to specific countries, from what documents you need to what you might visit while you’re there.
Travel insurance reviews
If you want to know what our customers think of us, and why they rate us so highly, have a read through some of the reviews they’ve left us.