Travel insurance

Travel insurance policies often exclude cover for pre-existing medical conditions, and in the past HIV-related claims were always excluded. However, this is now no longer the case and it is possible to get cover for HIV-related claims.

There can be restrictions on the type of cover offered, so it is important to read the policy carefully to see exactly what it will and won’t cover. You will need to supply detailed medical information.

NAM cannot recommend any particular provider or travel insurance company. It is wise to shop around for a range of quotes and select the insurer that most meets your specific needs. Below are three companies that specialise in providing travel insurance for people with pre-existing medical conditions and who have experience of insuring people living with HIV.

Freedom Travel Insurance 

www.freedominsure.co.uk/

01223 446914 

It's So Easy Travel Insurance

www.itssoeasytravelinsurance.com/

0844 357 1314

World First Travel Insurance

www.world-first.co.uk/

0845 90 80 161

MedicalTravelCompared.co.uk is a travel insurance comparison website for people with pre-existing medical conditions.

If, for some reason, you are unable to get insurance that covers you for HIV-related claims, it may still be worth taking out general travel insurance cover in case you have an illness that is unrelated to HIV, have an accident, lose your luggage or have something stolen. 

You can find out more about travel insurance in the Travel section of our online resource Social & legal issues for people with HIV.

This content was checked for accuracy at the time it was written. It may have been superseded by more recent developments. NAM recommends checking whether this is the most current information when making decisions that may affect your health.