Asthma travel insurance
Asthma? No Problem
Our travel insurance for asthma provides cover for you, your inhalers and medication while abroad.
- 24-hour emergency medical support
- No upper age limits
Written by: Sarah Findlay Travel Insurance Expert
Last updated: 29 April, 2026
Read time: 8 minutes
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.
What they say About us
Travel insurance for asthmatics: Travel with financial protection
Managing asthma in day-to-day life is something that many people cope with, so it shouldn’t stop you from enjoying a holiday abroad.
At Total Travel Protection, we offer specialist, affordable travel insurance for people with asthma. We can cover all levels of asthma and related conditions. No matter where you're headed, we’ve got you covered. Whether your asthma is mild, moderate, or severe, you deserve asthma travel insurance that gives you financial protection when you travel.
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
Travel insurance protection for asthma and related conditions
At Total Travel Protection, our asthma travel insurance policies are designed to protect you while travelling abroad. We understand the importance of managing asthma, which is why our policies can provide cover for pre-existing medical conditions, including asthma.
Once declared correctly, asthma and related conditions will be fully covered under your policy, ensuring you’re protected in case of a medical emergency. With travel insurance for asthma, you get coverage for:
- Emergency medical expenses and repatriation (getting you home safely) – up to £10 million per person while abroad
- Access to our 24/7 emergency medical assistance team, available by phone wherever you are
- Mobility aids, inhalers, prescription medication, personal liability, cancellations (subject to policy tier chosen), personal possessions, and more
Asthma medication and inhaler cover for travel
Managing asthma often requires carrying essential medication, such as inhalers or asthma pumps, especially during travel. These can be expensive to replace if lost or stolen while abroad.
That’s why our asthma travel insurance policies cover the loss of asthma medication and inhalers up to £300 per person. Whether you’re travelling to a nearby country or further afield, you can rest easy knowing you have coverage for the vital medication that helps you manage your asthma.
Get your asthma travel insurance quote online in minutes
Getting the right travel insurance for asthma is easy. Simply tell us about your condition and complete a short set of questions to help us assess the severity of your asthma. With this information, we’ll find the best asthma travel insurance quote for you, tailored to your unique needs.
It only takes a few minutes to get a quote for travel insurance with asthma. Don't let asthma stop you from exploring the world – get covered now.
Asthma 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 asthma 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 asthma 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.
What does travel insurance cover?
Total Travel Protection offers several levels of travel insurance to match different needs and budgets. Our cover options include Silver, Gold and Platinum plans, each offering varying levels of protection.
Swipe the table left/right to compare cover levels
Silver
| Gold
| Platinum
| |
|---|---|---|---|
|
Emergency medical and repatriation expenses
(not private medical insurance) | £5 million | £7.5 million | £10 million |
| Cancellation and curtailment | £3,000 | £6,000 | |
|
Personal possessions
(not gadgets) | £2,000 | £3,000 | |
| Missed departure | £500 | £1,000 | |
| Loss of medication | £300 | £300 | £300 |
| Mobility aids | £2,500 | £2,500 | £2,500 |
| Personal liability | £2 million | £2 million | |
| Legal expenses | £25,000 | £25,000 | |
|
Excess
(the amount you will have to pay towards the cost of a claim) |
£100 |
£75 |
Conditions Covered by Total Travel Protection
It is essential that you accurately declare all your pre-existing medical conditions when taking out travel insurance. Here are some examples of the common types of pre-existing medical conditions that we can cover:
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.
Tips for Travelling with Asthma
A change in climate or altitude can affect your airways, so keep your treatment plan at the forefront of your trip.
- Check your peak flow: Know your baseline before you go so you can monitor any changes while away.
- Pack a spare spacer: If you use a spacer with your inhaler, bring a spare in case one gets lost or damaged.
- Avoid high-pollen areas: Check the local pollen forecast if hay fever is a trigger for your asthma.
- Mind the air-con: Some air conditioning units can be dusty or very dry; if you feel tight-chested, try using a humidifier in the room.
- Carry an Asthma Attack Card: Carry a card that explains what to do in an emergency, translated into the local language.
Organisations such as Asthma + Lung UK provide trusted, evidence-based guidance on managing asthma, including tips on medication and travelling safely. Their resources are reviewed by healthcare professionals and regularly updated to reflect the latest clinical guidance.
Asthma Travel Insurance FAQ
We can cover all types of asthma up to a high level of severity, including allergic asthma, seasonal asthma, occupational asthma, non-allergic asthma and exercise-induced asthma.
It is important to declare asthma and any other medical conditions you may have when you buy travel insurance so that you will have appropriate cover for emergency medical treatment abroad if you need it, as well as cancellation if you become unwell before your holiday.
If you become ill due to a pre-existing medical condition, such as asthma, that you had not declared on your policy, you would not be covered by your travel insurance and your claim could be declined or only partially paid.
When you get a travel insurance quotation, whether online or by phone, you will be given the opportunity to declare all your pre-existing medical conditions, including asthma.
Once you tell us that you have asthma, you will be asked a short series of multiple-choice questions, such as how many medicines you have been prescribed by your doctor and if you have had any unplanned hospital admissions for your asthma in the last year.
This will give us an idea of how stable and well-managed your asthma is, and therefore the risk of you needing emergency treatment whilst you are away.
Our medical screening only takes a few minutes and can be done online or by phone.
Asthma can affect your travel insurance, as it is classed as a pre-existing medical condition.
However, it doesn’t mean you can’t get cover. With Total Travel Protection:
- A range of types of asthma can be covered, from mild to severe
- You simply need to declare your condition during medical screening
Once declared, your policy can include cover for emergency treatment, cancellation and medical expenses abroad.
Many people with severe asthma can fly safely, as long as their condition is well managed.
Before travelling, you should:
- Speak to your doctor or asthma nurse
- Ensure you have enough medication (including inhalers)
- Check airline policies if you have additional medical needs
Having the right asthma travel insurance ensures you’re covered if you need treatment while abroad.
Asthma is a long-term lung condition that affects breathing, but severity can vary.
- Mild asthma: Symptoms are occasional and usually well controlled with minimal medication
- Moderate to severe asthma: Symptoms are more frequent and may require regular medication or hospital care
Travel insurance providers assess your asthma based on its severity, stability and treatment, which is why medical screening is important.
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