Travel Insurance for HIV
Living with HIV? Declare it in our simple online medical screening and we can consider cover for your trip.
Declare your HIV online when you get a quote
Easy step-by-step online quote and screening
UK-based customer service team
Get a QuoteHaving HIV shouldn’t automatically stop you from exploring new places or enjoying a well-earned holiday.
What is HIV?
HIV (human immunodeficiency virus) is a long-term condition caused by a virus that affects the immune system by damaging cells that help the body fight infections, and in the UK it affects over 100,000 people. For many people with HIV, the condition can be managed with treatment.
With the right preparation, medical guidance, and suitable travel insurance, many people who manage HIV with medication or supervision continue to travel abroad with confidence.
Why it’s worth having travel insurance if you have HIV:
- Emergency medical treatment abroad if your condition causes complications
- Hospital treatment and medical expenses during your trip
- Repatriation to the UK if you need to return home for further care
- Cancellation cover if you are unable to travel due to your condition
Travel advice for people with a viral condition like HIV
- Pack enough HIV medication for your entire trip
- Carry medication in your hand luggage during travel
- Stick to your usual HIV medication schedule while abroad
- Speak with your doctor before travelling if your condition has recently changed
When completing the medical declaration, it's important to read the questions carefully, and declare this condition where required.
We can arrange travel insurance for people with HIV, as well as for many other medical conditions. The cover available depends on how severe the condition is and how it is managed, so it’s important to answer all the medical declaration questions honestly and accurately.
Other Useful Medical Pages
Don't worry if your condition is not listed above - we cover plenty more medical conditions.
* Please note that cover will vary depending on individual medical screenings.
Need help?
UK Customer Services0330 880 3600*
Opening hours:
Monday - Friday
9am - 5.00pm
Saturday
8.30am - 4.00pm
Please refer to your Policy Wording.
*Calls are recorded and may be monitored.
Reviews for Direct Travel:
- "Professional, sensitive on health issue questions, and easy to understand. Quick and easy but handled in a professional manner." 21/07/2026
- "Travel insurance a breeze. Website straightforward to understand and navigate. Everything I required in easy to follow instructions, drop down choices clear, and price was excellent." 07/07/2026
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