Yes - at MIA, we frequently provide medical travel insurance for people with various forms of arthritis, ranging from "wear and tear" osteoarthritis to autoimmune types like rheumatoid arthritis. However, coverage depends on factors such as your specific diagnosis, how stable your symptoms are, your treatment plan, and your destination.
We'll run your quote over the phone with one of our experienced agents. We’ll talk through your condition, travel plans, and any medications - ensuring your policy is accurate and gives you peace of mind.
The most common forms in the UK are osteoarthritis (aka "wear and tear") and rheumatoid arthritis. Osteoarthritis is degenerative and often affects knees, hips, and hands; rheumatoid arthritis is autoimmune and causes joint inflammation. Other types include ankylosing spondylitis, psoriatic arthritis, gout, and inflammatory arthritis. For more information, visit the NHS website.
2. Plan ahead for comfortAvoid overpacking - heavy bags can strain joints. Use lightweight, wheeled luggage and consider a four-wheel suitcase or backpack with padded straps. Book accommodations with accessible facilities and check room layouts before booking.
3. Staying mobile while journeyingLong periods of sitting can worsen stiffness. Change your position every 20–30 minutes, do simple stretches, and keep pain relief handy. On flights, consider aisle seats, compression socks, and heat/ice wraps to alleviate discomfort. Versus Arthritis has some useful information on their website.
4. Support your joints during transitDespite excitement, travel can be physically demanding. Bring collapsible walking aids if needed, pack spare medication in your carry-on, and ask airline staff for assistance with boarding or luggage.
5. Temperature and environmentWeather can trigger flares - cold damp climates may worsen symptoms for some, while others find relief in warmer, drier areas. Keep your environment comfortable using portable heat or cool packs, and consider booking accommodations with spa or pool facilities if they help ease stiffness.
6. Prepare for flare-upsCarry a compact 'flare kit' with painkillers, anti-inflammatories, hot/cold packs, and trusted snacks. Keep a list of nearby pharmacies, clinics, or hospitals at your destination.
Yes - we need your complete medical history so we can ensure your policy remains valid if you need to claim.
Will related conditions be covered too?Yes, as long as you declare them. We’ll aim to include conditions like fatigue, psoriatic features, or joint surgeries. If something can’t be covered, we’ll let you know beforehand.
What if I need to cancel due to flares or illness?If your doctor confirms you're too unwell to travel, your policy may cover cancellation costs for you and fellow insured travellers.
Can I return home early if it's medically necessary?Our Emergency Medical Assistance team can help arrange your return, and that of an insured companion, covering reasonable repatriation costs.
Should I choose annual or single trip insurance?If you travel multiple times a year, an annual multi-trip policy may offer better value and flexibility; otherwise, a single trip cover may be sufficient.
Do I need a doctor’s note to travel?Not usually - just check in with your GP or rheumatology team to confirm you're fit to travel, and have them note this in your records. Let us know of any medical advice or restrictions.
Any questions? We're happy to talk things through with you on 0800 999 3333.
