Travelers Health Insurance with Diabetes as a Pre-Existing Conditions


If you have diabetes and intend to travel outside of your home country, you should be aware of visitor health insurance. This insurance is specifically designed for people with pre-existing medical conditions. It can also provide you with the coverage you require while you’re away from home.

Here are some things to keep in mind when shopping for visitor health insurance:

  • The policy should cover your diabetes medications and supplies.
  • The policy should cover you for the entire duration of your trip, including any pre-existing conditions you may have.
  • The policy should not require you to pay a higher premium because of your pre-existing condition.

Overview of Visitor Health Insurance

It is essential to comprehend and have Visitor Health Insurance for travelers with Diabetes as a pre-existing condition before traveling. Your health insurance policy may not cover you if you travel outside of your home country. This is where visitor health insurance can help.

If you become ill or injured while traveling, this insurance will assist you in paying for medical care and treatment. It can also assist you in paying for emergency transportation back to your home country if necessary. Visitor health insurance covers both emergency and non-emergency care, unlike traveler’s insurance.

So, whether you’re planning a short trip or a long-term overseas adventure, having visitor health insurance in case of an emergency is a good idea.

Precautionary Steps to Take While Traveling With Diabetes

Before you go: Make a list of your medications, both prescription and OTC, and pack them all in your carry-on. This includes insulin as well as any additional supplies you may require, such as syringes, test strips, lancets, and glucose meters.

In addition to your medications, pack a letter from your doctor explaining your condition and the treatments you’re receiving. This will be useful if you have any customs issues or require medical attention while you’re away.

Check the visa requirements for the country or countries you’ll be visiting if you’re traveling outside of the United States. If you have a pre-existing condition, such as diabetes, you may need to obtain a visa waiver.

Different Types of Visitor Health Insurance for Travelers With Diabetes

There are three types of visitor health insurance for people with diabetes. 

  • The first is the most comprehensive and costly. It covers everything, including pre-existing conditions.
  • The second type is less comprehensive and does not cover pre-existing conditions, but it is significantly less expensive.
  • The third type is the most limited, with no coverage for pre-existing conditions or hospitalization.


What kind of visitor health insurance should you purchase? That is determined by your budget and the amount of coverage you require. If you want the most comprehensive policy, go with the first option. Choose the second option, if you want something that covers most of your bases but excludes coverage for pre-existing conditions.  Go with the third option, if you only need minimal coverage.

Exclusions and Coverage Limits for Diabetes-Related Treatments

It’s important to keep in mind that there are exclusions and coverage limits to think about. In other words, while your visitor insurance policy may cover some diabetes-related treatments, it may not cover everything.

Many plans, for example, will not cover pre-existing conditions, which means that any dental or medical treatment you received related to your diabetes prior to purchasing the policy will not be covered. Certain diabetic supplies, such as insulin and syringes, may require a pre authorization request before they are covered in some cases.

The good news is that many plans cover diabetes-related medical emergencies, such as emergency room visits and hospitalizations.

Furthermore, at the insurer’s discretion, some plans will cover non-emergency checkups and treatments.

It’s always a good idea to carefully read through your policy information so you understand what’s included—and what isn’t—so you can make an informed decision about the best visitor insurance coverage for your needs and budget.

What Factors Affect Insurance Premiums for Travelers With Diabetes

When it comes to visitor health insurance for travelers with diabetes, one of the first things to consider is what factors impact your premiums. Generally speaking;

  • your age,
  • gender,
  • type of diabetes,
  • length of coverage, and 
  • the sum insured will all play a part in determining how much an insurance plan will cost you.

For example, younger travelers aged 18 to 55 are typically charged lower premiums than those aged 56 and up. Individuals with type 1 diabetes pay higher premiums than those with type 2 diabetes.

Meanwhile, the longer your policy period, the higher the cost of your coverage.

Finally, the amount of coverage you choose (also known as the sum insured) can affect how much you pay for a health insurance plan.

Overall, it is critical to compare multiple plans and companies before deciding on the one that best meets your needs.

Tips for Finding the Best Visitor Health Insurance for Travelers with Diabetes

Finding the best visitor health insurance for travelers with diabetes can seem like a daunting task. But fear not—with these 6 tips, you’ll be able to make an informed decision that meets all your needs.

  • Do your research – Take some time to compare different plans and read up on the benefits each one offers.
  • Look for coverage specific to diabetes – Carefully read the detailed policies to determine what types of services are covered in the event of a diabetic emergency while traveling.
  • Check exclusions – Make sure to check what isn’t covered as well, such as pre-existing conditions or chronic illnesses.
  • Consider deductibles – Many healthcare plans offer different levels of deductibles, so it is important to weigh your options and decide which works best for you.
  • Look for providers that accept pre-existing conditions – Find out if any providers will accept pre-existing conditions, like diabetes, so you are not excluded from coverage due to your medical condition.
  • Ask questions and get clarification – Don’t be afraid to call customer service or ask questions of your provider if you don’t understand something about the plan or want more clarification about exclusions and coverage limits.

So, if you have diabetes and intend to travel, get traveler health insurance. Don’t let diabetes keep you from seeing the world and experiencing everything it has to offer. There are numerous traveler health insurance plans available, so do your research to find the best one for you.