Specialist HIV travel insurance

0330 606 1421 (8am – 10pm every day) From outside the UK: +44 20 7965 7222
0330 numbers are charged at local rates and usually form part of call packages similar to 01 & 02 numbers

Acknowledged as the go-to place for travel insurance if you’re HIV+


Hello – my name is Kevin Waite and It’s So Easy Travel Insurance is my company. I have worked in the HIV sector for over 25 years. Starting as a volunteer in London Lighthouse (which became Europe’s largest HIV/AIDS centre), I went on to establish its Welfare Service. I developed this HIV travel insurance using my knowledge and experience. It’s a bespoke policy, which means it’s unique. The policy has been created so that HIV is covered automatically, by default and your HIV status is not disclosed on your policy documents.  We receive referrals from HIV clinics, hospitals and charities all over the UK as well as from existing clients, many of whom have been with me for years (see the testimonial below). Get answers to questions such as what the policy covers by going to our Frequently Asked Questions page.


Features of our policy:

View our policy summary & wording

  • Specially designed using years of experience working the HIV sector – a bespoke policy for you.
  • Unlike other travel insurance policies, we won’t identify you as being HIV+ on your policy documents.
  • Unlike other travel insurance policies, as long as you meet our Health Warranty, you don’t need to go a medical screening process. If you don’t meet our Health Warranty, my colleagues at the screening service will help. Sometimes you’ll chat with a qualified nurse, who’s knowledge means we can tailor the screening to your particular circumstances rather than it being totally computer-based.
  • Unlike other travel insurance policies, who ask you all sorts of questions about CD4 counts, viral load levels etc, we don’t.
  • Choose to be covered for only one trip or any number under an annual policy.
  • Both types of policy offer two levels of cover (see the full policy wording for the differences).
  • If your medication is lost or stolen, we’ll pay for replacements to be couriered to you or costs involved in seeing a doctor to have more prescribed. We think these kinds of things are important.
  • Your documents will be available in your own client area, where you will be able to view/download them at any time.
  • It’s So Easy Travel Insurance is not owned by any other insurance company. Your confidential information is not going to be sold to other companies for marketing purposes or divulged to other insurers, potentially damaging your prospects of obtaining other types of insurance.
  • Many hospitals, clinics and other HIV charities recommend my policy. For a quotation, just click the button at the top of the page. Booking online keeps down our costs and therefore premiums.

Make sure you and those travelling with you are adequately protected!


It’s vital to have HIV inclusive travel insurance, so that medical expense claims – whether HIV related or not will be met. Otherwise, you’re exposing yourself to potential serious financial risk.

If you take out ‘ordinary’ travel insurance and make a medical expenses claim, the insurer will, as matter of course, check if you have any pre-existing medical condition. This is when your HIV status would come to light.

If you hadn’t declared your HIV status to the insurers, they could void the entire policy or refuse to meet your claim. Even if your illness was not HIV-related, they could decide that, in their view, it might be and refuse to pay out.

Medical expenses can run into thousands of pounds – especially in the USA but also now in Europe, too. If you need to be repatriated, we’re talking many thousands – anywhere between £10,000 to £30,000!

A European Health Insurance Card only puts you on the same basis as an insured person in that country. It does NOT necessarily mean you’ll get free treatment. Also, it won’t cover you for curtailment or repatriation, and all the other things that our insurance policy will.

If your travelling companion(s) take out ‘ordinary’ travel insurance, it probably won’t cover them if they want to make a claim because you’re ill. It’s usually the case that insurers won’t cover someone if the person they’re travelling with has a medical condition, unless everyone is covered under the same policy. Best therefore your travelling companion(s) to be covered by us as well as you.

I am a hugely satisfied customer of It’s So Easy Travel Insurance and related medical assistance group Specialty Assist. I am generally healthy, having lived with HIV on medication for a decade. Until my recent holiday to Florida, I had never spent a single night in hospital. When I took out annual travel cover for my boyfriend and me in March 2014, I never imagined that I’d be rushed into an American ER room three weeks later. A small stye on my right eye had developed into an antibiotic-resistant cellulitis. I was told it was serious and required immediate IV antibiotics, which would mean being admitted to hospital. From the word go, I was treated [by the 24 hour assistance service] with compassion, care and respect. I was given a simple-to-remember individual case number. I was told clearly what information/action was needed from me and what, in turn, they would endeavour to do for me. Within 48 hours of being admitted, Specialty Assist confirmed I was covered for my mounting medical expenses and every agent I spoke with treated me as an individual and helped ease my concerns about the bills. Specialty Assist dealt directly with the hospital after admission, freeing me to concentrate on my recovery, and recouping the relatively small amount of pre-admission charges I’d accrued from attending a walk-in clinic and pharmacies in the week before I was admitted. After returning to the UK I submitted this claim, which was handled swiftly and without question. In summary, I am very grateful for all your help and so pleased that I took out a policy with It’s So Easy. Thanks very much for being there when I needed you! I have already recommended your business to friends and colleagues. Well done.