Travel insurance with type 2 diabetes need not be expensive if you are going on holiday or travelling abroad with type 2 diabetes provided 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 2 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 2 diabetes
What is type 2 diabetes?
Diabetes mellitus type 2 (formerly noninsulin-dependent diabetes mellitus (NIDDM) or adult-onset diabetes) is a metabolic disorder that is characterized by high blood glucose in the context of insulin resistance and relative insulin deficiency.
The classic symptoms are excess thirst, frequent urination, and constant hunger. Type 2 diabetes makes up about 90% of cases of diabetes with the other 10% due primarily to diabetes mellitus type 1 and gestational diabetes. Obesity is thought to be the primary cause of type 2 diabetes in people who are genetically predisposed to the disease.
Type 2 diabetes is initially managed by increasing exercise and dietary modification. If blood glucose levels are not adequately lowered by these measures, medications such as metformin or insulin may be needed. In those on insulin, there is typically the requirement to routinely check blood sugar levels.
Long-term complications from high blood sugar can include heart disease, strokes, diabetic retinopathy where eyesight is affected, kidney failure which may require dialysis, and poor circulation in the limbs leading to amputations. The acute complication of ketoacidosis, a feature of type 1 diabetes, is uncommon. However, nonketotic hyperosmolar coma may occur.
This link might help if you would like to compare travel insurance with type 2 diabetes
Setting up travel insurance if you have type 2 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 2 diabetes as they usually only provide quotes from a single company to make their lives easier when training their staff.