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Don't let painful joints spoil your holiday mood

It can be difficult to fully enjoy your holiday if you feel limited by a medical condition. Varying forms of arthritis are caused by inflammation and breakdown of the joint cartilage, the most common types including rheumatoid arthritis, osteoarthritis and psoriatic arthritis. So tasks such as handling luggage and long walks can cause discomfort and may even require medical attention. With this in mind, it is important to ensure that you declare your arthritis as a pre-existing condition when choosing your holiday insurance policy.

How do I declare my arthritis condition?

Complete the insurance quote form above and choose to declare your condition. You can do so online, or with our free Kent-based medical insurance team. Once you've completed your free medical screening - used to determine the amount of coverage you will need for your condition - they can rustle up a policy at an affordable price without compromising on your cover.

  • Single trip: you are covered for one trip of no longer than 365 days or 180 days if it's a cruise.
  • Annual multi-trip: for the frequent traveller, you will have protection for an unlimited amount of trips, each up to 45 days, or 31 days for a cruise, across 12 months.

Does rheumatoid arthritis affect travel insurance?

Arthritis is one of the most common chronic conditions of the joints, affected upwards of 10 million people in the UK alone, and naturally there is a wide degree of variation when it comes to the severity of the condition. As with most pre-existing medical conditions, the effect arthritis will have on your travel insurance premium will largely depend on the exact nature of your condition, and the extent to which it affects your daily life.

For sufferers of advanced Osteoarthritis or Psoriatic arthritis - in which mobility is significantly restricted - you may see higher premiums for your insurance, as such people are classed as at a greater risk.

In some cases however, you may find that the price of your travel insurance with such conditions as rheumatoid arthritis, remains unchanged - if the condition is classed as mild.

As arthritis is a condition that doesn't just affect older people - a reported 10,000 people under the age of 18 experiencing the condition in the UK- you may find that age can also play a role in determining your insurance premium.

Whatever the situation, it's always best to declare your arthritis on a travel insurance policy, as this will save complications later on should you need to make a claim.

What if I choose not to declare my arthritis?

It is always in your best interests to declare all of your medical conditions. Should you decide not to and you do require medical assistance, we won't be able to cover you if it is related to your undeclared condition and your policy will be rendered invalid.

Holiday Extras Cover Ltd and Holiday Extras Ltd are authorised and regulated by the Financial Conduct Authority. Holiday Extras Cover Ltd 05058680 and Holiday Extras Ltd 01693250 are registered in England and Wales. Registered address: Ashford Road, Newingreen, Kent CT21 4JF.

Holiday Extras is underwritten by Travel Insurance Facilities plc which is authorised and regulated by the Financial Conduct Authority. Registered address: 2nd Floor, 1 Tower View, Kings Hill, West Malling, Kent, ME19 4UY. Company number 03220410.