Whether you have type 1 diabetes or type 2 diabetes we want to help you find the best travel insurance solution.
To make sure you have the best options available, all you need to do is let us know about your condition while you’re buying your travel insurance policy.
It’s important that we know about your diabetes - that way you’ll know if you’re covered if anything happens to you because of your condition.
Please note, there’s a possibility we might not be able to cover you at all, but we will tell you this during your medical assessment.
*based on diabetes being your only pre-existing condition
^12 months prior to the date of issue of any single policy or 6 months prior to the date of your frequent traveller policy
The process is simple and quick. You don’t need to call us and you don’t need to provide doctor’s certificates or other documents. All you need to do is fill out a simple questionnaire when you’re purchasing a policy online.
You’ll be asked about pre-existing conditions during your online purchase and if you select ‘yes', you’ll answer some questions. This is where we’ll ask you everything we need to know about your diabetes.
Once you’ve filled out this questionnaire, you’ll immediately find out your travel insurance options.
Type 1 diabetes is an auto-immune disease where the body produces little or even no insulin. This is controlled by daily injections of an insulin.
Type 2 diabetes is a lifestyle disease mostly brought on by poor diet, lack of exercise and being overweight. It's also associated with hereditary factors, and can be managed with healthier lifestyle changes.
If you have diabetes, you’ll need to make sure you’ve taken all the necessary steps to keep yourself safe and healthy on your trip.
Please note, the below is general advice only is not intended to replace the advice or information from a registered body or your doctor.
If you’re travelling with someone and they’re named on the policy, you will need to make sure that, where necessary, their medical conditions are declared. As a parent or guardian you can do this on your child's behalf. For adult travel companions, you’ll need to declare their condition if you have their permission to do so, and are aware of their health and medical conditions. If you don’t have permission, they will need to do it themselves.
Diabetes may be automatically covered if the terms of auto-cover are met (see top of this page). If the person you’re travelling with doesn’t meet the automatic cover criteria you will need to complete a medical assessment.
If you meet all of the criteria for automatic cover for diabetes you do not have to disclose this condition via a medical assessment.
If your insulin was stolen or lost, you may have a provision to claim under the Luggage and Personal effects section of the PDS. Please note, we only cover the original cost of the medication. Visiting a doctor to get a prescription won’t be covered because it's considered routine management of your condition.
Cover for diabetes on a Frequent traveller policy works in the same way as single trip policies. Your condition may be automatically covered if you meet all of the auto-cover criteria or you will need to complete a medical assessment to determine if we can offer the cover.
If you have other pre-existing medical conditions that are not on our automatically covered list or they do not meet auto-criteria you will need to disclose them.
If your diabetes meets the criteria for automatic cover, you won’t have to disclose it when you’re buying your policy.
If you forgot to disclose your diabetes and your policy has not started we might be able to add in it. You can call our Customer Care Team to carry out an assessment for your condition.
Please be aware that depending on the outcome of the assessment you may need to pay an additional premium.
All terms, conditions and limitations will apply in the same way as if you had declared the condition when you purchased the policy.
Diabetes New Zealand is the national body for people affected by all types of diabetes and those at risk. They work in partnership with diabetes professionals and have a plethora of useful information to help you before you travel.
IAMAT are a non-profit organization who help travellers plan a healthy trip, and connect travellers with reputable English-speaking doctors. They are a useful point of contact for anyone travelling with a health condition.