It's very important that if you are going on holiday or travelling abroad with type 1 diabetes that you properly disclose this on your travel insurance application as otherwise the insurance company might not pay-out any claim for medical expenses that you need to make. This could also affect a claim for cancellation due to falling ill as disclosure of a pre-existing medical condition, (which type 1 diabetes in included within), is an absolute requirement for full medical cover.
This link might help if you are looking for travel insurance with type 1 diabetes
What is type 1 diabetes?
Type 1 diabetes develops when the insulin-producing cells in the body have been destroyed and the body is unable to produce any insulin.
Insulin is a hormone and it works as a chemical messenger that helps your body use the glucose in your blood to give you energy. You can think of it as the key that unlocks the door to the body’s cells. Once the door is unlocked, glucose can enter the cells where it is used as fuel. In Type 1 diabetes the body is unable to produce any insulin so there is no key to unlock the door, and the glucose builds up in the blood.
As glucose can’t provide energy, the body tries to get it from elsewhere and starts to break down stores of fat and protein instead, which can cause weight loss. Because the body doesn’t use the glucose it ends up passing into the urine.
Nobody knows for sure why these insulin-producing cells have been destroyed, but the most likely cause is the body having an abnormal reaction to the cells. This may be triggered by a virus or other infection.
Type 1 diabetes can develop at any age but usually appears before the age of 40, and especially in childhood.
Type 1 diabetes accounts for between 5 and 15 per cent of all people with diabetes and is treated by daily insulin injections, a healthy diet and regular physical activity.
This link might help if you would like to compare travel insurance with type 1 diabetes
Setting up travel insurance if you have type 1 diabetes need not be expensive if you go to a specialist website that provide a range of underwriters and options for cover. Be wary of your bank, especially if they offer so called “free cover” as they are unlikely to be specialists and the small print will probably exclude pre-existing medical conditions.
Travel agents are also unlikely to offer a wide selection of specialist travel insurance companies to cover type 1 diabetes as they usually only provide quotes from a single company to make their lives easier when training their staff.