Travel Insurance for allergies
Allergies? No Problem
Travel insurance with cover for pre-existing medical conditions, including all types of allergies.
- 24-hour emergency medical support
- No upper age limits
Awards & Accreditations
Total Travel Protection is brought to you by Ancile Insurance Group Limited who have been specialising in travel insurance cover for medical conditions and older travellers since 2010.
Travel Insurance for allergies
Travelling with allergies can be stressful, especially when you are far from home and unsure what ingredients or environmental triggers you might encounter.
Whether you have mild food sensitivities or severe allergies that require an EpiPen, having the right travel insurance for allergies or anaphylaxis is important.
Why travel insurance matters if you have allergies
If you live with allergies, specialist travel insurance is an essential part of your travel planning. Travelling exposes you to new foods, climates, and environments, all of which may increase your risk. Having travel insurance tailored to allergies means you will have support if you need medical treatment or even repatriation back to the UK.
Allergic reactions can happen unexpectedly, even when you are careful. Specialist cover ensures you are financially protected if you need emergency medical care after an allergic reaction.
Does travel insurance cover allergies?
Yes, travel insurance can cover allergies, but as always, it’s important to declare your allergy as well as any other pre-existing medical condition when you get your quote. Choose a policy that covers your condition and provides the right level of protection. Cover can typically include emergency medical treatment if you experience a reaction abroad, replacement of lost or damaged allergy medication such as antihistamines or EpiPens, financial cover for hospitalisation and repatriation if your condition becomes severe, and trip cancellation or curtailment if an allergic episode prevents you from travelling. A specialist travel insurer like Total Travel Protection offers policies that are designed for people with medical conditions, ensuring you have cover that reflects your individual needs.
Anaphylaxis and severe allergies
Severe allergies that cause anaphylaxis require extra consideration when travelling. Even if you manage your condition carefully, unexpected exposure to allergens such as nuts, insect stings, or certain medications can lead to a medical emergency. Travel insurance for severe allergies ensures that if anaphylaxis occurs, you can access emergency treatment without facing large out-of-pocket costs. This may include hospital admission, urgent care, and, if necessary, repatriation back to your home country. When planning a trip, check the availability of emergency medical services in your destination and always carry your medication. Travel insurance can also provide round-the-clock medical assistance and coordination with local hospitals if you need urgent care.
Declaring allergies on your travel insurance
Allergies are considered a pre-existing medical condition, which means they must be declared when you take out travel insurance. Declaring your allergies ensures that your policy accurately reflects your medical needs and that you are protected if an allergic reaction affects your trip. Commonly declared allergies include food allergies such as nuts, shellfish, and dairy; insect sting allergies; and reactions to certain medications. When completing a quote, you will be asked about your medical history, the severity of your allergies, and whether you carry medication such as an EpiPen. This information allows the insurer to tailor your cover and provide appropriate protection.
Travel insurance cover and benefits
- Emergency medical & repatriation up to £10 million (Platinum Cover)
- 24-hour emergency medical assistance
- Cancellation cover up to £6,000 (Platinum Cover)
- Cover for mobility aids and prescription medication
- Baggage up to £3,000 (Platinum Cover)
- Personal liability up to £2 million (Platinum Cover)
- Legal expenses up to £25,000
Flying with allergies: What you need to know
If you are planning to fly, it’s important to make sure you are fit to travel and well-prepared. Always carry your EpiPen or other prescribed medication in your hand luggage, along with a copy of your prescription or a doctor’s letter explaining your medical needs. Most airlines allow passengers with allergies to bring their own safe food on board and will make reasonable adjustments to minimise risks. For those with severe nut allergies, it’s a good idea to inform the airline in advance so they can take precautions, such as making an announcement or adjusting onboard catering. Travel insurance can offer additional reassurance by offering financial protection for any medical issues that arise during your journey.
What our allergy travel insurance covers
Total Travel Protection offers travel insurance for people with allergies. Our cover includes emergency medical treatment if you experience an allergic reaction abroad, hospitalisation and repatriation if you need to return home for treatment, even trip cancellation or curtailment can be covered and financially protect you if an allergy flare-up prevents you from travelling. Our round-the-clock support can help you find appropriate care while abroad. Our aim is to make sure you travel confidently, knowing that help is available if you need it.
Why choose Total Travel Protection for allergy cover?
Total Travel Protection understands that travelling with allergies requires extra care and attention. Our specialist policies are designed to give you confidence, whether you have mild sensitivities or severe anaphylaxis. We provide a 24/7 medical assistance team available to support you if something unexpected happens.
Get a quote for allergy travel insurance
You can get a quote quickly and easily online or by phone. Our friendly team is available to answer questions and help you find the right level of cover for your needs. Visit our quote page or speak to one of our medical travel insurance specialists to arrange your policy before you travel.
Allergy travel insurance - Buy online
You can buy our travel insurance cover for allergies online, 24 hours a day, 365 days a year on our website. Our full range of travel insurance products and medical screening is available online, so you can declare your allergies and get a quote at a time that works for you.
Allergy travel cover by phone
Our team of travel insurance experts are available by phone if you would like to talk to someone about your requirements for allergy cover.
You can call us on 0330 053 3747
We are open during the following times:
Monday to Friday 9am - 7pm. Saturday, Sunday and Bank Holidays 9am - 5.30pm.
Our allergy travel insurance prices are the same whether you buy online or by phone, so you can choose whichever suits you best.
Single-trip insurance
We cover single trips up to 94 days in duration to any destination in the world (providing the Foreign, Commonwealth and Development Office is not advising against non-essential travel).
For cover to be valid, your trip must start and finish in the UK, and cover must be in place before you leave home.
Travel insurance for cruise holidays
When you get a quote for travel insurance with us, you will be asked ‘Are you going on a cruise?’. If you select yes, our optional cruise extension will be automatically included in your quote, providing these additional benefits:
• Cabin confinement cover
• Missed port departure protection
• Itinerary change compensation
• Unused excursions reimbursement
• Cruise interruption cover
You can remove the extension on the Additional Cover Options page, where you’ll also see the premium. Without it, standard cover still applies, and you will be covered to go on a cruise holiday, but you won’t receive these extra benefits.
Additional cover options
Additional cover including gadget, natural catastrophe and waiting list cover can be selected during the quote process.
Natural catastrophe provides extra travel insurance cover for cancellation and unexpected additional expenses caused by catastrophic natural events such as hurricanes, fire, flood and volcanic eruptons. Read More
This optional cover extends your travel insurance to include cover for loss, theft and damage to your gadgets, such as phones, tablets and smartwatches whilst you are away on your holiday. Read More.
Our travel insurance policies provide cover for a number of sports and activities as standard, including trekking up to 2000 metres, sailing within 12 nautical miles of shore and glass bottomed boat trips. Additional cover for more adventurous activities can be added. Read More
Ideal for cruise, coach or rail holidays that start from an overseas location, our Missed Connection option extends your travel insurance to include cover for additional expenses if you miss a connecting flight, ferry, cruise ship, train, or motor vehicle as a result of a delay to your initial international outbound transport.
Our terrorism cover extension provides additional travel insurance cover to enable you to cancel or cut short your trip if a terrorist act occurs within a 40-mile radius of your pre-booked accommodation.
Additional cancellation and curtailment cover if you are on a waiting list for treatment or investigation for a diagnosed condition.
Travel insurance for allergies FAQs
Does travel insurance cover allergies?
Yes, our travel insurance policies can cover allergies, but you must declare them to ensure cover is valid for medical treatment, medication replacement, and trip disruption.
Is an allergy a pre-existing medical condition?
Yes. Allergies, including food, insect, or medication allergies, are classed as pre-existing medical conditions and must be declared.
Can you fly with severe allergies?
Yes, as long as your doctor confirms you are fit to fly. Always carry medication and inform your airline in advance.
Do I need to declare nut allergies on travel insurance?
Yes, nut allergies should always be declared so your policy covers you if you need emergency treatment.
Will travel insurance cover anaphylaxis abroad?
Yes, if the anaphylaxis is declared as a pre-existing condition specialist policies cover emergency medical treatment and hospitalisation for anaphylaxis, as well as repatriation if needed.
Do I need a letter to travel with an EpiPen?
It is advisable to carry a doctor’s letter explaining your condition and the need for an EpiPen when flying.
How do people with severe allergies stay safe on planes?
By bringing their own food, carrying medication, cleaning their seat area, and alerting the crew about their allergy.
Should I declare eczema or skin allergies on travel insurance?
Yes, you should declare any condition that requires medication or medical attention so that your policy provides full protection.
Travel confidently knowing that Total Travel Protection offers travel insurance designed to keep you safe, wherever your next adventure takes you.