Home / International Travel Insurance / Articles / Travel Tips / Why Do Travellers with Diabetes Need Travel Insurance?

Why Do Travellers with Diabetes Need Travel Insurance?

Q: What medical documents should travellers with diabetes carry?

Individuals with diabetes should ensure they have:• A doctor’s prescription and a summary of their medical history. • A letter detailing their condition and treatment plan. • Extra insulin or medications, along with blood sugar testing supplies. • Travel insurance documents with emergency contact information.

Team AckoSept 17, 2025

Travelling with Diabetes comes with its own set of challenges and unexpected medical emergencies that can turn a dream trip into a big headache. In such scenarios, travel insurance for travellers with Diabetes becomes essential.

From sudden hospital visits abroad to unexpected medication needs, medical care can be costly, often requiring upfront payments. With the right travel insurance, you can enjoy cashless treatments or get reimbursed for covered expenses, easing both financial and emotional stress.

Whether you are exploring nearby destinations or venturing overseas, having this coverage ensures you are prepared for the unexpected. If you want peace of mind while travelling with Diabetes, understanding the benefits of travel insurance is your first step.

Why Do Travellers with Diabetes Need Travel Insurance

Contents

5 Reasons to Get Travel Insurance for Travellers with Diabetes
Helpful Tips for Travellers with Diabetes While Travelling
Best Travel Insurance Options for Diabetic Travellers
Bottom Line
Frequently Asked Questions

5 Reasons to Get Travel Insurance for Travellers with Diabetes

Here are 5 reasons why travellers with diabetes need to get travel insurance:

1. Cashless Treatment Accessibility

While travelling in a new country, changes in environment, routine and diet can impact travellers with diabetes, such as fluctuations in their glucose level or increased chances of infections. During such circumstances, they require emergency medical attention. With the cashless benefits of travel insurance, they only have to worry about getting the treatment, and the insurer can handle the rest.

Whether you are travelling domestically or internationally, IRDAI-approved and digital insurers like ACKO ensure that you can access cashless treatments within minutes.

2. Emergency Transportation Benefits

The assurance of emergency transportation plays a crucial role at the time of travel. A new location, a new administration, and a language barrier could delay accessibility to a medical evacuation or a local ambulance ride. Having an international travel insurance plan could serve as a superhero. All you need to do is inform the insurer about the occurrence along with your location as soon as possible.

3. Instant Assistance

Most digital travel insurers in India, such as ACKO, provide 24/7 assistance to their customers. It is reassuring and comforting to know that no matter where the need is, someone from customer care will be there to help. Whether it is locating a nearby medical centre, rescheduling the next flight, an OPD doctor consultation chamber, or a network hospital, you will get it in minutes.

4. Trip Cancellation Benefits

Delayed flights are not new; rather, it is a common occurrence. But, for a patient with Diabetes, this could disrupt their meal schedule. If you have travel insurance coverage for Diabetes, this should not be concerning since you can cover reimbursements for flight delays as per policy terms.

5. Coverage for Baggage Loss

Losing baggage at the airport while checking in to a connecting flight could be dangerous. Especially if you are travelling with a diabetic patient. In such scenarios, if your insurer is preinformed regarding the health condition, they will cover medical expenses incurred for managing your health issues during your trip.

Helpful Tips for Travellers with Diabetes While Travelling

Now that you know how significant travel insurance is for travellers with Diabetes, here is a list of some other important things you need to ensure on your trip:

Preparing well is key; make a detailed checklist of non-negotiable things for hand luggage, such as medication supplies, healthy snacks, and a blood glucose monitor.

Before starting the journey, talk to your medical practitioner and have a check-up.
Airports allow diabetic patients to carry 3.4 ounces of water, so notify the airport security.
Do not forget insulin and insulin-loaded dispensers.
While travelling, ensure that the medicines are not exposed to direct sunlight as it can damage the compositions.
For long hours in flight, try to walk around the aisles whenever possible.
Put reminders on your phone so you do not miss out on medicines while sightseeing.

Best Travel Insurance Options for Diabetic Travellers

For a diabetic traveller, it is essential to have the right travel insurance in order to feel safe and secure. The plan must have a Pre-Existing Illness Cover that reimburses emergency medical expenses during the trip. This cover offers life-saving treatment for sudden or unexpected complications of conditions like diabetes, up to the policy limit.

With ACKO Travel Insurance, diabetic tourists receive complete coverage that caters to their specific requirements. It provides immediate assistance during emergencies, cashless hospitalisation in network hospitals, and easy claim settlement. The policy is designed to take care of unforeseen health problems overseas and, hence, is a dependable and budget-friendly option for individuals with diabetes who do not wish medical issues to ruin their travel arrangements.

Bottom Line

Now that you are aware of how beneficial travel insurance for travellers with Diabetes can be, make sure you are covered in your next trip. Choose ACKO travel insurance to secure your trip with complete reliability and confidence. Whether you require an emergency evacuation or an OPD visit while travelling, the ACKO team can be your guiding light.

Frequently Asked Questions

How to Get Domestic Travel Insurance for Travellers with Diabetes?

Travellers with diabetes need to visit the official website of their insurer and fill out the necessary information, such as name, travel dates, and number of travellers, to get a quick quote.

After that, they can choose the most suitable policy coverage and a pre-existing disease cover add-on. Once the premium payment is complete, the policy will be sent to the traveller's email.

Is travel insurance mandatory for diabetic patients?

Travel insurance is not legally mandatory for diabetic patients, but it is highly recommended. Since diabetes is a pre-existing condition, having travel insurance with relevant medical cover ensures financial protection and access to emergency treatment abroad, preventing unexpected medical expenses.

Is International Travel Insurance for Travellers with Diabetes Different?

No, international travel insurance for diabetic patients is not different from normal international travel insurance. To extend coverage, you only have to notify the insurer and purchase the preexisting condition coverage along with the policy.

What is the Travel Insurance Price for Diabetes?

The prices of travel insurance vary depending on the types of add-ons you choose, coverage, and trip duration. Ideally, travel insurance costs 4% to 10% of your total travel costs.

How to get Diabetes Coverage for my Travel Insurance?

Notify your insurer about your health condition, and submit all kinds of prescriptions and medical reports. This will keep your insurer prepared in case an emergency occurs during your trip. Consider getting a preexisting disease add-on, as that will help you extend the policy coverage.

Is emergency medical evacuation included if it is necessitated by a Diabetic Emergency?

Yes, it is included. However, if your insurer is aware of your health condition beforehand, they remain prepared, and it becomes easy for them to assist you. Please read the fine print of your policy to check whether emergency evacuation is included or excluded.

What medical documents should travellers with diabetes carry?

Individuals with diabetes should ensure they have:

A doctor’s prescription and a summary of their medical history.
A letter detailing their condition and treatment plan.
Extra insulin or medications, along with blood sugar testing supplies.
Travel insurance documents with emergency contact information.

Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on several secondary sources on the Internet and is subject to change. Please check the policy document for cancellation reasons and the terms and conditions of the policy.