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Lupus Travel Insurance

Proud to support LUPUS UK with specialist medical travel insurance

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OK To Travel will give a donation to LUPUS UK at no extra cost to you, if you follow the quote button on this page or use code LUK when you purchase travel insurance. If you speak with our team by telephone, please remember to mention LUPUS UK.

What is lupus?


Lupus is a chronic autoimmune disease where the immune system is dysfunctional and mistakenly identifies the body’s own tissues as foreign invaders. In people with lupus, the immune system creates autoantibodies to attack the body’s tissues therefore, making them more susceptible to becoming unwell and getting a severe infection.


There are several triggers of lupus which can bring on a flare of symptoms in people with the condition, making them poorly and unable to travel. Potential lupus flare triggers are stress, UV light, certain medication, extreme fatigue, infection, injury and stopping lupus medication.


A lupus flare can last anywhere from a few hours to several weeks. A flare can bring on the following symptoms: headaches/migraines, skin rashes, severe joint/muscle aches and pains, extreme fatigue, brain-fog, fever, and oral/nasal ulcers. Flares can result in hospitalisation.


LUPUS UK is the only national registered charity supporting people with systemic lupus and discoid lupus and assisting those approaching diagnosis. The charity funds medical research, Specialist Lupus Nurses across the UK, and much-need aid through their Welfare Fund. The charity also supports all lupus patients, their family and friends through national support groups, face to face and online meetings, literature, and their social platforms.

LUPUS UK, St James House, Eastern Road, Romford, Essex, RM1 3NH


Reg. Charity numbers: 1051610, SC039682

OK To Travel has four levels of cover which can provide up to* 

£5,000 Cancellation


Cancellation cover up to £5,000 per person to recoup costs of unused travel and accommodation.

£10M Medical Expenses


Cover up to £10,000,000 per person if you require emergency medical treatment or repatriation.

£3,000 Baggage


Cover if your personal possessions are lost, stolen or damaged. 

£1,000 Gadget Cover


Cover against theft, accidental damage, breakdown and accidental loss of your gadgets.

£500 Missed Departure


Cover for travel and accommodation expenses required to reach your booked destination.

£50 Policy Excess


Policy excess as low as £50 with Premier Plus cover.

*Maximum amounts available per person, subject to the applicable policy excess.

Advice for travelling with lupus


  • Seek advice from your doctor if you are in the middle of a flare or experiencing any other illness before you travel.
  • Pace yourself when planning your holiday. By starting the planning process earlier and taking your time, you will be less likely to experience stress.
  • If you are going overseas, it may be wise to travel to a country with good sanitation systems, clean water, and suitable medical facilities.
  • Save the number for your travel insurer's medical assistance team in case of emergency. You'll find details in the policy wording.
  • Pack a list stating your health conditions and the names of all the medications you are taking.

Medical travel insurance frequently asked questions

Do you need to know the names of my medication?

You will need to disclose any pre-existing medical conditions, including lupus, during the customer quote journey. However, we don't need to know the names or dosage of your tablets.

What is the maximum trip length?
What can I do if my lupus medication is lost or stolen on holiday?