Travel Insurance Expert and Head of Communications
Last updatedDecember 16 2025
11 min read
Booking a trip away? Getting insurance while living with HIV doesn’t have to be difficult. We’re here to help you get the best quote to suit your specific needs. From cancelled flights to cover for pre-existing medical conditions. With us, you’re covered from the moment you book.
Benefit from up to £10,000 cancellation insurance and no upper age limit. Get comprehensive travel protection with our HIV travel insurance today.
Are you living with HIV? Do you have concerns about whether you can get travel insurance cover? Or perhaps you’ve had trouble getting covered in the past? We may be able to help.
Here’s why HIV travel insurance is a must:
Covers emergency healthcare costs. Access to immediate medical care abroad is crucial. Whether it’s due to side effects, complications, or a sudden illness. HIV travel insurance covers private medical treatment costs. Then you can focus on recovery.
Helps with medication replacement. Losing or misplacing vital antiretroviral medications can be overwhelming, especially if replacements are difficult to access when travelling. Travel insurance can help cover the cost of replacement medications.
Covers cancellations due to health issues. Managing HIV can lead to unforeseen travel disruptions. In our 2024 survey, 48% said cancellation cover was their most important travel insurance feature1. Need to cancel or postpone your trip for health-related reasons? You’ll be covered. HIV travel insurance protects against non-refundable costs. That includes flights, accommodation, and pre-booked activities.
Covers repatriation costs. In rare cases, you may need to return home for further treatment. The cost of medical transport can be substantial. It cost one UK traveller in Spain £124,000 for an air ambulance home. Travel insurance makes sure you’re covered for these expenses.
24/7 emergency helpline. If a health concern arises while travelling, our medical helpline is available round the clock. If you need help finding a healthcare provider or advice, we’re just a call away.
Living with HIV shouldn’t stop you from enjoying your travels. Just declare your condition during the quote process. Then we can tailor a policy to your needs.
Before booking, review our policy wording to understand what’s included. Be sure to check the latest travel advice on GOV.UK. Travelling against their recommendations could invalidate your policy.
What types of HIV does InsureandGo’s travel insurance cover?
We understand the unique concerns of travellers living with HIV. Whether newly diagnosed, managing pre-existing conditions, or dealing with specific types. Our policies provide cover that is tailored to your health.
Here’s how we can help:
HIV-1 and HIV-2. HIV-1 is the most common strain worldwide. HIV-2 is less prevalent and mainly found in specific regions such as West Africa. Both types are covered under our travel insurance policies. Your condition must be stable. And your doctor must confirm your fitness to travel. It’s important to declare the type of HIV you have during the application process. This will ensure full protection.
Recently diagnosed HIV. Have you recently been diagnosed and are undergoing treatment? We can cover you. So long as your condition is well-managed and your doctor approves travel. Again, you must declare our condition to be fully covered. If you don’t, it may invalidate your policy.
HIV with pre-existing conditions. HIV often coexists with other health conditions. Such as hepatitis B, hepatitis C, or cardiovascular complications. We consider these factors when building your policy. Ensure you declare all related conditions during the screening process.
Long-term HIV management. You must declare HIV as a pre-existing condition. Even if your viral load is undetectable and your HIV is well-controlled. Provide details about your treatment plan, including:
Your antiretroviral regimen.
Any recent adjustments to your medication.
Side effects or complications from treatments.
Recent blood tests or specialist visits.
HIV treatment abroad. We cover emergency medical care if your condition unexpectedly worsens while travelling. We can also help you if your medication is lost, stolen, or delayed.
Travelling with HIV doesn’t have to be complicated. We’re here to make your journey safe and enjoyable. For full terms, read our policy wording or contact us.
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.
What’s not covered?
Each provider will have different things it can or cannot include in a policy. However, there are some situations travel insurance will not cover. For example:
You cannot cover events or reasons that 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. There may, however, be some exclusions. For example, you won’t be covered to cancel if you decide not to go.
The best travel insurance for your trip
Don’t let living with HIV stop you from exploring the world. We offer a range of add-ons tailored to your health and travel plans. Choose from:
Travelling with family? Ensure everyone is protected with our family travel insurance. It covers medical emergencies, trip delays, cancellations, and lost belongings. This also includes cover for misplaced items like passports and medications.
Keen for a cruise? For those looking to relax aboard, cruise cover protects you at sea. This includes access to ship doctors, cabin confinement, itinerary changes, and emergencies.
Active and adventurous holidays. Planning a hike? Perhaps some cycling? Or maybe some scuba diving in the warmer months? Whatever you have planned, you’re covered with our adventure insurance.
From city breaks to cruises, we’re here to help you focus on enjoying your journey. Be sure to declare your HIV status during your quote process to be covered.
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
HIV travel insurance with other pre-existing medical conditions
Managing multiple health conditions is not uncommon for travellers living with HIV. This is why it’s essential you’re covered for any pre-existing conditions.
Conditions often managed alongside HIV include:
Hepatitis B or C
High cholesterol (common with antiretroviral therapy)
Declaring your HIV status (HIV-1 or HIV-2) alongside other health concerns helps us craft your policy. We’ll consider:
Recent specialist appointments or treatments within the last two years.
Medications, including antiretrovirals and any secondary prescriptions.
Any hospital stays or tests, such as CD4 counts or viral load assessments.
Our online medical screening process makes this easy. Prefer to discuss your needs in detail? Please contact our team.
How to book HIV travel insurance
Booking HIV travel insurance is easy. Here’s how it works:
1. Tell us a few details about your trip
Let us know where and when you’re going, and who you’re travelling with. Then tell us if you have any pre-existing medical conditions you wish to cover.
We’ll show you your quote. All you have to do is decide whether to buy it now or save it for later.
Our experts say…
“When travelling with HIV, preparation is essential. Medical emergencies abroad can be both stressful and costly. Accessing private treatment. Replacing lost medication. Handling unexpected health issues. Unexpected issues can become expensive. HIV travel insurance helps cover these costs. With the right policy in place, you can enjoy your trip, knowing you’re protected if the unexpected occurs.”
“Very helpful and considerate employees who were also empathetic when dealing with a recent medical diagnosis which we needed to add to our insurance.”
Yes, we offer travel insurance specifically tailored for travellers living with HIV. Our policies include cover for medical emergencies and trip cancellations. We’ll even cover lost medication. It’s important to declare your HIV status during the quote process. This will ensure you’re covered, should something happen.
Do I have to declare HIV on travel insurance?
You must declare any pre-existing medical conditions before travel. This includes HIV. If you don’t declare your pre-existing conditions, it may invalidate your policy. Worse, your policy may not cover you should you have an HIV-related emergency. Similarly, you may not be covered if you need to cancel your trip due to your condition. This can quickly become expensive, so be sure to declare!
Is HIV considered a pre-existing condition for travel insurance?
Yes, HIV is classified as a pre-existing medical condition. Most insurers require you to declare any such conditions during the application process. Doing so ensures you’re covered, should anything happen.
Some policies may ask for additional information. Such as your medication routine or recent health status, before providing cover.
How much does travel insurance cost for people with HIV?
The cost of travel insurance for people with HIV can vary. It’s based on factors like:
Age. Older travellers may face slightly higher premiums.
Destination. Travelling to countries with higher healthcare costs might increase the price.
Health status. If your HIV is well-managed with no recent complications, your premiums may be lower.
Policy add-ons. Options like medication replacement or extended trip cancellations might affect the cost.
These factors vary from person to person. We will help tailor a policy to your specific needs.
Will GHIC cover treatment related to my HIV when travelling?
The Global Health Insurance Card (GHIC) provides access to state-provided healthcare at no cost. This covers the European Economic Area (EEA) and Switzerland.
However, GHIC does not cover private healthcare or costs. This includes repatriation, which is crucial for HIV-related emergencies abroad. And the scope of cover may vary by country. This means treatments for chronic conditions like HIV might not be fully covered.
Travel insurance complements GHIC by covering what the card doesn’t, such as private care or medication replacement. For travellers living with HIV, travel insurance is essential.
Who can buy an InsureandGo HIV travel insurance policy?
Our HIV travel insurance is available to UK residents who meet the following criteria:
Must have lived in the UK or the Channel Islands for at least six of the last 12 months.
Travel Insurance Expert and Head of Communications
Letitia is a Travel Insurance expert with more than 20 years experience in helping people find specialist insurance. As Head of Communications at InsureandGo, Letitia cares about making it easy for people who love travel to get the cover they need.
* Discount based on the premium amount: 5% off premiums £0-£49, 10% off £50-£249, & 20% off £250+. Discount excludes any premium generated to cover medical conditions or optional extras. This offer cannot be used in conjunction with any other offer. Discount ends 23:59 on 29th January 2026. See Terms and Conditions for more details. All quotes from 19th December 2025 to 23.59 on 29th January 2026 will be included in the prize draw. Terms and Conditions apply.
InsureandGo’s Gold achieved a Which? Best Buy. InsureandGo’s Gold and Black policies have been 5-star rated by Defaqto.
Based on 4023 responses. InsureandGo Annual Survey, February 2024.
Based on 1,692 responses, correct as of 24/07/2025.
Based on 4023 responses. InsureandGo Annual Survey, February 2024.
Based on 1,692 responses, correct as of 24/07/2025.
