Travel Insurance for Diabetics: Travel Worry-Free

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

As an older individual living with diabetes, you might be a bit hesitant about venturing out to explore the world. But there’s no reason to miss out on exciting new experiences, as long as you plan ahead and ensure you have the proper travel insurance coverage.

In this article, we’ll guide you through the ins and outs of travel insurance for diabetics, so you can confidently set out on your next adventure without breaking a sweat (unless you’re dancing the night away, of course!).

Why Bother with Travel Insurance for Diabetics?

You might wonder if travel insurance is worth the fuss. Here are some reasons why it’s essential for diabetics:

  • Unpredictable medical expenses: Health care abroad can be costly, especially if you need urgent diabetes-related care. Better safe than sorry!
  • Coverage for pre-existing conditions: Some travel insurance policies cover pre-existing conditions, such as diabetes, offering you protection if you need medical attention during your trip.
  • Trip cancellation or interruption: If your diabetes unexpectedly causes you to cancel or cut short your journey, travel insurance can help recover non-refundable costs.
  • Peace of mind: With travel insurance, you can focus on enjoying your trip, knowing that you’re covered for any diabetes-related incidents.

Recommended Plans

✅ Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅ Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

✅ Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

Pre-existing Conditions and Travel Insurance: The Nitty-Gritty

As a diabetic, understanding pre-existing conditions coverage in travel insurance policies is crucial:

  • What it means: A pre-existing condition is any medical issue you had before purchasing your travel insurance, including diagnosed or undiagnosed conditions.
  • Stability is key: Insurers often require your diabetes to be stable and well-managed for a certain period (e.g., three to six months) before offering coverage for pre-existing conditions.
  • Read the fine print: Some policies exclude coverage for pre-existing conditions, so be sure to find one that covers your diabetes needs.

Tips for Finding a Diabetic-Friendly Travel Insurance Policy

To find the perfect travel insurance policy for your needs, follow these tips:

  • Shop around: Compare different travel insurance policies to find one that provides comprehensive coverage for pre-existing conditions, including diabetes.
  • Seek specialized providers: Some insurance companies cater to individuals with specific medical needs, like diabetes. These providers may offer more customized policies and coverage options.
  • Check reviews: Look for feedback from fellow diabetic travelers who’ve used the travel insurance provider to gauge their reliability and customer service.
  • Consult your doctor: Talk to your healthcare provider about your travel plans and ask for recommendations on the type of coverage and support you might need.

Managing Diabetes on the Go

With the right travel insurance policy in hand, it’s also essential to manage your diabetes effectively while traveling:

  • Bring extra supplies: Always pack more medication and diabetes supplies than you think you’ll need to account for any unexpected situations.
  • Keep an eye on your blood sugar: Travel can impact your glucose levels, so monitor them regularly, especially with changes in diet, activity, or time zones.
  • Be prepared for emergencies: Carry a medical ID and a letter from your doctor outlining your diabetes, medications, and any special considerations, just in case.
  • Share with your travel buddies: Inform your travel companions about your diabetes and teach them how to help you in case of an emergency.


Traveling with diabetes in your golden years may require some extra preparation, but it’s entirely possible with the right travel insurance policy and careful diabetes management.

By understanding the importance of travel insurance for diabetics, finding the right policy, and keeping your condition in check, you can fully embrace the joy of traveling, creating lasting memories, and discovering new experiences.

Don’t let diabetes hold you back from seeing the world and enjoying your well-deserved retirement years.

Keeping Your Health in Check: Travel Tips for Diabetics

In addition to having the right travel insurance, here are some helpful tips for maintaining your health while traveling with diabetes:

Plan your meals: Research local cuisine and restaurants at your destination, so you can make healthier food choices and keep your blood sugar levels steady.

Stay hydrated: Drink plenty of water during your trip, as dehydration can affect blood sugar levels.

Keep snacks handy: Carry healthy snacks with you to prevent low blood sugar episodes when you’re out and about.

Maintain a routine: Try to stick to your regular schedule for meals, medication, and blood sugar monitoring as much as possible, even when you’re on vacation.

Frequently Asked Questions

Travel Insurance for Diabetics Here are some common questions older individuals with diabetes may have about travel insurance:

Q: Can I purchase travel insurance if my diabetes isn’t well-managed?

A: It depends on the insurance provider. Some insurers may still offer coverage, but at a higher premium or with limited benefits. It’s always best to work with your healthcare provider to manage your diabetes effectively before traveling.

Q: What should I do if I experience a diabetes-related emergency while traveling?

A: Contact your travel insurance provider’s emergency assistance hotline for guidance and support. They can help you locate the nearest medical facility, provide language assistance, or coordinate necessary medical services.

Q: How do I disclose my diabetes to my travel insurance provider?

A: When applying for travel insurance, you’ll need to complete a medical questionnaire that includes questions about your diabetes. Be honest and thorough when providing information, as inaccurate or incomplete disclosure could impact your coverage.

So, pack your bags, grab your travel insurance, and set out on your next adventure with the confidence and security that comes with proper planning and coverage.

Enjoy your golden years and make the most of your travels, knowing that you’re well-prepared to manage your diabetes and any challenges that may arise. Happy travels!