Travel insurance for HIV patients
HIV? No Problem
Travel insurance with cover for pre-existing medical conditions, including all types of HIV.
- 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 HIV patients
Securing appropriate travel insurance is a critical aspect of trip planning for individuals living with HIV. Advancements in HIV treatment coupled with specialist medical travel insurers Total Travel Protection doing medical screening differently, means it is entirely possible for individuals with HIV to obtain comprehensive travel insurance that covers HIV-related claims.
You must disclose your HIV and all other pre-existing medical conditions when applying for travel insurance. Failure to do so will invalidate your cover and void any claim.
In relation to your HIV have your latest blood test results ready as you will need them to answer specific questions such as:
What was your latest viral load?
In the last six months, have you had any change to your antiretroviral treatment (ART) prescription?
Have you been advised to start antiviral treatment but chosen not to?
We also might ask for:
Your latest CD4 count?
We ask you these questions to be able to provide the best possible quote.
Tips for travelling with HIV
Check the entry requirements of the country that you plan to visit before booking your trip as a joint European initiative published by the International AIDS Society reports that as of 2023, 56 out of 200 countries are known to have entry regulations for people living with HIV, and seven of these countries will categorically refuse entry without exception.
There are also countries that restrict HIV medication – check the entry requirements before booking your trip and only visit countries where you can take your medication with you legally.
Some countries will require you to take a doctors certificate in English stating that your medication is require to treat a personal condition.
When travelling make sure that your HIV medication is in your hand luggage just in case your hold case goes missing.
Travel insurance
Remember Total Travel Protection do medical screening differently so you may get a better price.
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
HIV travel insurance - Buy online
You can buy our travel insurance cover for HIV 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 HIV and get a quote at a time that works for you.
HIV 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 HIV 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 HIV 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.