No, having HIV doesn’t mean you’ll be refused travel insurance. However, you may need a specialist medical travel insurance provider, like MIA, to get the right level of cover. At MIA, we’ve helped many people find insurance even when they’ve been turned down elsewhere. We understand that living with HIV can bring extra challenges when arranging travel, and we’re here to make the process easier. That said, cover depends on factors like how stable your condition is, where you’re going, and whether you have any other health concerns. If we’re unable to offer a policy, we’ll talk you through any other options.
We prefer to run our quotes over the phone, so you’ll speak directly with one of our experienced team members. We’re detailed and thorough, so we can make sure your policy is accurate and nothing important is missed.
Some countries still restrict entry for HIV-positive travellers. Always check Positive Destinations (the Global Database on HIV-Specific Travel Restrictions) before booking. If you’re found to be carrying HIV medications in a country that prohibits them, you could be deported - and your insurance may become invalid.
2. Speak to your doctorMake an appointment with your doctor or HIV team at least 6–8 weeks before travel. If your CD4 count is low or your medication is being changed, they may advise postponing your trip.
3. Get vaccinated safelyPeople living with HIV may need a different vaccination schedule – and live vaccines could be unsuitable. Speak to your medical team well in advance (ideally 2–3 months before travel) to make a safe plan.
4. Pack medication carefullyBring enough medication to last your entire trip, plus some extra for delays. Carry it in your hand luggage in its original packaging. You might need a letter from your doctor explaining your prescription. If travelling across time zones, ask your doctor how best to adjust your dosage times. If your meds are temperature-sensitive, store them appropriately while you travel. The NaTHNaC website can offer more information about taking your medicines abroad.
5. Stay preparedHIV can affect your immune system, so food hygiene is especially important. Avoid unsafe tap water, ice, and raw or unwashed foods. Take hand sanitiser, anti-diarrhoea tablets, and rehydration sachets. If your medication must be taken with food, bring snacks you can rely on in a pinch.
Yes – even if your viral load is undetectable, we still need to know about your diagnosis. Not declaring it could invalidate your policy and affect your ability to make a claim.
Will I need a fit-to-fly letter?Usually not – but in some cases, we may request confirmation from your GP or consultant that you're well enough to travel. Either way, it's important to talk to your doctor before booking your trip.
Can I get cover for related health conditions?Yes – as long as you declare everything, we’ll do our best to cover any other related or unrelated medical issues. If we can’t cover something, we’ll explain that clearly before you buy the policy.
What if I need to cancel due to illness?If your doctor advises against travel and you need to cancel your trip, you may be able to claim for non-refundable costs – for yourself and any travel companions insured under the same policy.
What happens if I fall ill while abroad?If your health deteriorates, our Emergency Medical Assistance team can help you return home and may cover the cost of repatriation for you and a companion (as long as they’re named on your policy).
Can I travel anywhere with HIV?Not always. Some destinations have poor healthcare systems or restrict HIV-positive travellers. If you need specific medication, check how easily it can be stored or accessed where you're going. Always check before booking.
If you have any other questions, we'd be happy to talk things through with you. Call us on 0800 999 3333.
