According to AllergyUK, over 150 million Europeans currently suffer from chronic allergic diseases. In the UK alone, 20% of the population are affected by at least one allergic disorder. However, this number is expected to increase as more people become affected.
Given that allergies are so common, you would think all travel insurers would offer cover for the varying conditions? Surprisingly enough, this isn’t the case.
Here at Get Going we offer policies for those with allergies so that you can go on holiday with the peace of mind that you are fully protected.
What travel insurance cover is available for people who suffer from allergies?
Travel insurance for allergy sufferers is available at three different cover levels: Basic, Standard and Premier. The amount we will pay when you claim will depend on the cover level that you opt for when you purchase.
Each cover level includes cover for:
- Up to £10,000,000 in the event of a medical emergency
- Up to £5,000 cover for mobility and medical equipment
- Up to £250 hospital benefit
- Up to £750 to replace emergency medication
- Up to £5,000 to cover cancellation or curtailment
- Up to £2,000 to cover lost, stolen or damaged possessions
- Up to £250 to cover lost or stolen cash
- Up to £250 to cover a lost, stolen or damaged passport
- Up to £25,000 personal accident cover
- Up to £50,000 to cover legal advice
- Up to £2,000,000 personal liability cover
What types of allergies do we cover?
At Get Going, we will consider cover for all allergies, including the following:
- Food Allergies
- Drug Allergies
- Nut Allergies
- Hay fever
If your allergy is not on the list, do not worry! Simply declare all allergies during the medical screening process and we’ll see what we can do.
Going abroad with allergies
Having an allergy means that you have to be a little more cautious, especially when you’re somewhere new. Holidays are all about having fun and experiencing new things, however it’s important that you look after yourself and avoid anything that heightens your allergies. Here are some tips to bear in mind for your upcoming trip:
The Flight – If you have a food allergy then make sure you speak to your airline’s food allergy management team and alert them of your needs in advance of your trip. Throughout the flight let staff know of your food allergy – you may feel like your repeating yourself, but they have a lot of passengers to tend to, so this way they won’t forget.
Bring your own snacks- When you’re travelling it’s always handy to take your own snacks with you. Whilst it’s exciting to try new things, it is important that you stick with foods that you know are safe. Having food on you that you know you can have will stop the frustration of finding something or somewhere to eat.
Restaurants – Eating out is perhaps one of the highlights of any holiday, however if you have an allergy it can make the whole experience stressful. Nowadays we have TripAdvisor, which gives you reviews of pretty much anywhere. Make the most of it and use it to find restaurants that cater to your allergy. If you have a severe allergy, call the restaurant in advance and make sure they can accommodate and speak to the manager and waiter on the night to ensure the food is free of said ingredient. Yes, it does take the spontaneity out of eating out but safety takes priority.
Proof of allergy– Make sure you have proof for having medication on your person when going through airport security and have a copy of your Allergy Action Plan.
Handwashing – If you are prone to contact reactions with allergens, minimise the risk by handwashing before you eat or your hands make contact with your mouth.
Why Choose Get Going?
Over 1000 medical conditions considered
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Do I need to declare my allergy on my travel insurance?
We want your holiday to be one you remember for all the right reasons, which is why we ask for all allergies to be declared during the medical screening process. This way, we have a detailed understanding of your medical situation and then able to offer you a policy which covers your condition. This gives you complete peace of mind that if something were to happen whilst you were on holiday, that you’re fully protected. If you do not declare your allergies this could affect your policy, and may be unable to make a claim should it link to your medical condition.