Yes, MIA can usually offer travel insurance for people living with sickle cell disease. Our team understands the unique challenges this lifelong blood disorder can bring (especially when travelling abroad) and we’ll work with you to find a policy that offers peace of mind.
Our ability to offer cover depends on your individual circumstances, including your current health, history of complications like sickle cell crises, and your travel destination. If we can’t offer cover, we’ll still talk you through your options and suggest any alternative routes that may be available.
We offer phone-based medical screening so we can talk you through the process personally. Our team is friendly and thorough — making sure we understand your medical history and can provide a policy that suits your needs. Whether you’ve had a recent crisis, are on hydroxycarbamide, or have other health complications like anaemia, we take everything into account to get it right.
It’s important that you tell us about any past or present complications related to your sickle cell disease, including any hospitalisations, blood transfusions, or other treatments. We’ll also ask about other pre-existing medical conditions, as these may affect your cover.
Before booking your trip, check in with your haematologist or GP. They can help you assess whether you're fit to travel, and may be able to offer a medical letter to explain your condition and any medications you need to bring with you.
2. Plan ahead for medical care abroadAlways check what healthcare facilities are available at your destination. In case of a sickle cell crisis or infection while abroad, you’ll want to know where the nearest hospital is. TravelHealthPro and the Sickle Cell Society offer advice on medical care abroad.
3. Stay hydrated and avoid triggersDehydration, cold temperatures, and high altitudes can trigger a sickle cell crisis. Make sure you drink plenty of fluids, dress warmly for air-conditioned flights, and avoid strenuous activities unless your doctor approves.
4. Carry medication and documentsPack all medications in your hand luggage, including pain relief and antibiotics, in case of a crisis. Carry a doctor’s letter explaining what each medication is for, and bring a copy of your prescription. If you use oxygen or need regular transfusions, discuss this with your airline and insurer ahead of time.
5. Get vaccinated earlyPeople with sickle cell disease are at greater risk of infections. Speak to your medical team well in advance about vaccinations and any travel-specific health risks. You may need additional vaccines or a different schedule, depending on your immune status.
No - if you only carry the sickle cell trait and do not have the disease itself, you generally do not need to declare it. But if you’ve experienced any complications, check with us first.
Will my policy cover sickle cell crises abroad?Yes - if you’ve declared your sickle cell disease and we’ve accepted it, your policy will usually cover emergency medical treatment, including hospitalisation for a crisis. Check the policy wording for limits and exclusions.
Can I still travel long distances?Yes, but flying for long periods may increase the risk of complications, especially in pressurised cabins. Wear warm clothes, move around regularly, and stay hydrated. Speak to your doctor about whether additional precautions are needed.
What if I need to cancel due to a sickle cell flare-up?If you become unwell before your trip and your doctor advises against travel, you may be able to claim for non-refundable costs under your cancellation cover. This includes cover for insured companions on the same policy.
Can I return home early if I become ill?Yes. Our Emergency Medical Assistance team can help arrange repatriation for you and a companion if your condition worsens while you’re abroad, subject to the terms of your policy.
If you have any other questions, our team is here to help. Call us on 0800 999 3333.
