If you have HIV or another pre-existing medical condition, your travel insurance company might withdraw certain medical and emergency benefits from your policy, or refuse to cover you at all.
Failing to let your insurer know about your HIV status invalidates your policy. Even non HIV-related health issues and accidents wouldn't be covered.
Travel insurance is an essential part of travelling because illnesses and accidents are actually more likely to occur then. It can be traumatic and certainly expensive to fall ill abroad, or to have to cancel a trip because of an accident, emergency or illness.
The European Health Insurance Card (EHIC) only covers treatment costs, so you should take out additional travel insurance even when travelling within the European Economic Area.
The EHIC is not an alternative to travel insurance. It will not cover any private medical healthcare or the cost of mountain rescue in ski resorts, being returned home to the UK, additional transport costs such as ambulances or lost or stolen property.
Find out more about accessing healthcare services abroad.
Please note that Terrence Higgins Trust cannot recommend any particular insurance service or broker. However, we are aware of the following insurance companies having experience in providing specific HIV travel cover.
World First Travel Insurance 66 High Street Honiton Devon EX14 1RT Tel: 0345 90 80 161Fax: 0845 90 80 181 Email: email@example.com/home/travel-insurance/medical-problems/hiv.aspx
It's So Easy Travel Insurance27 Old Gloucester Street London WC1N 3XX Tel: 0844 357 1314 www.hivtravelinsurance.com
Freedom Insurance Richmond House 16-20 Regent Street Cambridge CB2 1DB Tel: 01223 446 914 Email: firstname.lastname@example.org
AllClear Travel AllClear House 1 Redwing Court Ashton Road Romford Essex RM3 8QQ Tel: 0845 250 5201 www.allcleartravel
insuranceWithTel: 020 3829 3875Email: email@example.com/all-conditions
Other companies also offer HIV insurance services. You should try to get multiple quotes and to check fully the cover offered before deciding.
Remember to always check the small print as the cover offered does vary.
This article was last reviewed on
by Anna Peters
Date due for the next review: 27/1/2018
Content Author: Clive Blowes
Current Owner: Policy
Healthcare abroad, NHS Choices (2010)
World First travel insurance
HIV Travel Insurance
Holiday insurance, Association of British Insurers
Travellers with chronic diseases, Net Doctor (2009)
Travel insurance, NAMLIFE
Various people talk about their experiences of living with HIV.
CAB - Citizens Advice Bureau
HIV Drug Interactions
George House Trust
Equality and Human Rights Commission
Copyright 2017 © Terrence Higgins Trust is a registered charity in England and Wales (reg. no. 288527)
Company reg. no. 1778149 and a registered charity in Scotland (reg. no. SC039986). Registered office: 314-320 Gray's Inn Road, London, WC1X 8DP.