Travel Insurance for Asthma
If you live with asthma and you are planning a trip, you may be wondering how it affects your travel insurance. The good news is that if you are fit to travel, providing you select the right level of cover and the right travel insurance, you can still enjoy your holiday.
Holiday Extras travel insurance policies come with protection for things like emergency medical care, cancellations and lost baggage. Our bronze, silver and gold cover levels give you the flexibility to choose protection that suits your trip, so you can travel with confidence, even when you need asthma travel insurance.
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Can I get travel insurance if I have asthma?
Before you travel, we recommend checking the NHS website for guidance on travelling with asthma, to help you decide whether it’s the right time for you to travel. It can be possible to get travel insurance if you have asthma, but you will need to make sure that all conditions are accurately declared on your policy. Some providers may exclude coverage for asthma, and whether you can be covered by us may depend on how you answer your medical questions. You should never travel against medical advice or if your doctor has told you not to.
Is asthma classed as a pre-existing medical condition?
Yes, asthma is classed as a pre-existing medical condition when it comes to insurance and it must be declared when you take out a policy. It is important to declare your condition accurately to help ensure you are properly covered. If you choose not to declare a condition such as asthma, then you will not be covered in the unfortunate event of a related medical emergency abroad. Your entire policy could also be made invalid.
What are the benefits of buying a Holiday Extras insurance policy?
- Flexible cover levels - Pick from bronze, silver or gold policies to suit your trip plans and budget, whether you are going all out or keeping things simple.
- Support for pre-existing conditions - Most medical conditions are considered, including asthma, with a quick and easy online screening process.
- Medical support abroad made easy - Every policy includes free access to AnywhereGP, a 24/7 virtual medical support service for non urgent help while you are away.
- Extra cover, if you want it - Add ons are available for things such as gadget protection and winter sports so you can tailor your policy to your plans.
- Award winning protection - We have been voted Best Insurance Provider for 16 years in a row.
Over 40 years experience in travel services.
Voted Best Insurance Provider 16 years running – since 2009.
Tailored policies to suit your personal requirements.
£13.8 million paid in 2024, providing reliable support when it matters most.
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How do I declare my condition?
Declaring your asthma is a simple matter of completing our travel insurance for pre-existing medical conditions online screening process when booking your travel insurance. You will be asked a number of questions related to your condition so we can determine if we are able to provide you with cover. This helps us offer appropriate travel insurance for asthma based on your personal circumstances.
Compare travel insurance cover levels
Choose from three different levels of cover, each with its own cover limits. Ranging from a simpler 'Bronze' plan to a higher level 'Gold' plan, you can tailor your policy to suit your needs. Browse the key benefits below, or see the full breakdown in our cover-level table and Policy Documents.
Bronze
| £15,000,000 | Emergency medical and repatriation expenses |
| £1,000 | Cancellation & Cutting your trip short |
| £2,000 | Personal belongings |
| £500 | Personal money |
| £500 | Gadget Cover |
Silver
| £20,000,000 | Emergency medical and repatriation expenses |
| £2,500 | Cancellation & Cutting your trip short |
| £3,000 | Personal belongings |
| £750 | Personal money |
| £500 | Gadget Cover |
Gold
| Unlimited | Emergency medical and repatriation expenses |
| £5,000* | Cancellation & Cutting your trip short |
| £5,000 | Personal belongings |
| £1,000 | Personal money |
| £750 | Gadget Cover |
*Or as specified on your schedule
AnywhereGP: 24/7 Medical Help
Powered by Air Doctor
We are pleased to introduce AnywhereGP, powered by Air Doctor - your on the go medical solution abroad.
Included free with every Holiday Extras travel insurance policy, it provides fast, reliable medical support for everything from minor illnesses to urgent concerns, helping you feel supported while you are away.
Can I fly with asthma?
Many people with asthma are able to fly, especially when their condition is well managed. However, if your symptoms have recently changed, you have had a severe asthma attack, or your medication has been adjusted, you should speak to your doctor before you book or travel. Your doctor is best placed to advise you on whether flying is suitable for you.
If you are unsure about how your asthma is currently controlled, it is always safest to seek medical advice before making travel plans.
Tips for travelling with asthma
Plan your journey - Allow extra time at each stage of your journey so you do not feel rushed and can take breaks if you need them.
Use smart luggage solutions - Using suitcases with wheels or arranging special assistance at the airport can help reduce physical strain that might make you short of breath.
Check your destination - Be aware of places with extreme temperatures, high levels of pollution, very high altitude or high pollen counts, as these can sometimes make asthma symptoms worse.
Medication - Take enough medication to last for your entire trip, plus a little extra. Bring an up to date list of all medicines you take, along with doses and the generic and brand names of each medicine. If you need to take inhalers or other medication into the cabin, you may need a note from your doctor.
Looking for information regarding a different condition?
It is important to get the right level of cover for your trip, especially when travelling with pre-existing medical conditions. We believe everyone deserves an easier holiday experience. That is why we consider most medical conditions.
To find out more, visit our page dedicated to travelling with medical conditions.
Let us answer your questions
Can I get travel insurance with asthma?
At Holiday Extras we offer travel insurance for customers with pre-exsisting medical conditions, including Asthma, to be able to asses if we can offer cover for your conditions we ask you to answer a few medical questions .
Do I need to declare asthma on my travel insurance?
Yes, asthma is a pre-existing medical condition and must always be declared when taking out travel insurance. This helps make sure you are properly covered if you need to make a claim. If you do not declare your medical conditions, your policy could be made invalid.
Is travel insurance expensive if I have asthma?
Travel insurance can sometimes cost more if you have asthma, as insurers need to take into account the additional risk. The price will also depend on other factors such as your age, destination and trip length. Completing the screening helps us give you a fair price for asthma travel insurance.
Will my travel insurance cover replacement inhalers if I lose them?
Policies that include your asthma as a declared condition can provide cover for emergency medical treatment and replacement medication, subject to the terms and limits of your chosen policy. Always check your policy wording for full details of what is and is not covered.
Can I get annual travel insurance for asthma?
If you are planning more than one trip in a year, you can consider an annual multi trip policy that includes asthma as a declared condition. Each trip will need to fall within the policy limits and any destination rules. Check the terms of the policy to see if it suits your travel plans.
Holiday Extras Travel Insurance is sold and administered by Holiday Extras Cover Limited, registered office address: Ashford Road, Newingreen, Hythe, Kent CT21 4JF.
Holiday Extras Cover Limited is an insurance intermediary authorised and regulated by the Financial Conduct Authority, registration number 828848. You can check this on the Financial Services Register by visiting: http://register.fca.org.uk
Holiday Extras™ is a Trading Name of Holiday Extras Cover Limited. The insurance is underwritten by Great Lakes Insurance UK Limited. Great Lakes Insurance UK Limited is a company incorporated in England and Wales with company number 13436330 and whose registered office address is 1 Fen Court, London, United Kingdom, EC3M 5BN.
Great Lakes Insurance UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 955859. You can check this on the Financial Services Register by visiting: http://register.fca.org.uk
Our flight delay cover is underwritten by Astrenska Insurance Limited and serviced by Collinson Insurance Services Limited.