Specialist HIV travel insurance from

It's So
travel insurance that includes pre existing medical conditions
travel insurance

Financial Services

Travel Insurance


Get a quotation and book online here
or if you don't have internet access call 0844 357 1314/01689 892241

Many, many thanks indeed for your friendly and very speedy service. I have never known booking insurance to be so easy! TO

Many thanks for your excellent service. AB

Thanks for this Kevin – great service and a real relief to have complete peace of mind when travelling for the first time in about 15 years!!   I will definitely recommend you if it’s appropriate and may well consider using some of your other services in the future. SG

Thank you for keeping me insured and safe on my travels. WW

Thank you so much for taking the time to clarify matters for us and so promptly.We can't speak highly enough of Its So Easy Travel Insurance. RB

It is so refreshing in this day and age to get such good service. PF

Thank You Kevin - all received O.K. I wish everybody was as helpful and pleasant to deal with as you. SL

Thank you for your prompt response and excellent service. EB

Thanks very much - you're a star! NH

Our first contact with you was through Kevin Waite a couple of years ago - had a brilliant service then and have used you ever since. Keep up the good work. CR

This is my third year using Easy Travel Insurance and it is to be highly recommended in all respects. Kevin is super efficient, friendly and professional. It only took literally moments to get my Insurance arranged even though I had left it almost to the last moment!! Long may you reign....in the Insurance business at least!! ML

Thanks Kevin,  you really are the star your website says you are. JP

Kevin knows what he is doing with professionalism and with a service that many insurance companies could do to learn something from. I have used him for myself and my partner for the last 3 years will never go with anyone else now.

I have recently booked Insurance twice with 'It's So Easy' and I have had the pleasure of booking it with
Kevin Waite. After searching to find decent insurance for a person with HIV, I have found this company to be not only the best for price, but also outstanding for customer service. Kevin went out of his way to help me the first time. I called back in November, and upon calling back today i was so thrilled to know that it was truly 'easy' to book some more insurance with the added piece of mind that my card details were not kept in any way for security reasons and the whole process took literally seconds.

I know it sounds cheesy, but i just wanted to say such a huge thank you. AA

Thank you very much Kevin – now THAT is service! JM

What a joy! Second year running we have taken insurance out through 'It's So Easy...'

Very responsive, speedy, courteous and helpful service. Didn't even bother searching about for quotes as was so impressed first time round! Would not hesitate in recommending using 'It's So Easy' to anyone!

A real pleasure to speak to Kevin and have all your questions answered fully and in such a nice manner. Many thanks Kevin!!! Keep up the good work! DF

Thanks very much for you help - as always its great. PS

I would like to say thank you for what you have done for me in getting my travel insurance sorted and extened as well. I am sure that I would use the company again as I now know that I can get cover for all elements of my health. So once again i would like to say thank you. MMcK

Kevin was very helpful and honest. Talked us through the options and the best cover for us both. What he says he delivers. Documents were sent via email within a few hours. Highly recommended. A&S

Thank you for making things so easy. Your service was first class. You put me at ease immediately. The documents were downloaded very quickly. The cost was also extremely competetive. I will return to you for all my future medical insurance needs when travelling - MH

Without wishing to be cheesy, thanks for making this so easy!  I’m fairly recently diagnosed and expected this whole insurance process stuff would be a complete nightmare to sort out. JW

Flights booked, insurance received, thank you. You were really helpful when I first called a few weeks ago and on the phone again today. I appreciate all you help. Easy Travel "the best"! VT

Fantastic, responsive service. This is the second time we've insured with It's so Easy and will continue to do so. Thoroughly recommended. NJ

Be adequately protected !

hiv travel insuranceIt'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!

Our specialist and comprehensive HIV-inclusive travel insurance includes medical expense claims, directly or indirectly related to HIV. We initially need to ask you a few simple questions before confirming we can include your HIV in our cover.

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 many thousands of pounds - especially in the USA but increasingly so in Europe, too. A European Health Insurance Card only puts you on the same basis as an insured person in that country. It doesn't mean you'll get free treatment and the card is valid only in state hospitals. It won't cover you for repatriation and all the other things an insurance policy will.

Is the possibility of ending up with a serious debt worth it for the sake of being properly and adequately insured?


Hello - my name is Kevin Waite and It's So Easy Travel Insurance is my company. I developed our HIV travel insurance several years ago and it has some special benefits. Unlike other policies, we won't identify you as being HIV+ on our policy documents. Most people prefer it this way. We rarely need to ask your CD4 count and viral load levels. We will pay for lost or stolen medication to be couriered to you. We think these kinds of things are important.

I have worked in the HIV field for over 25 years. Starting as a volunteer when London Lighthouse was a building site (then to become Europe's largest HIV/AIDS centre), I went on to establish its Welfare Service.

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 our policy. For a quote, just click the quote and book link at the top of the page.

Because my company has grown, I can no longer answer calls personally but I am still very much here and my colleagues will do their utmost to help you. They are equally committed to confidentiality.

Is someone travelling with you ?
They need protection, too!

If you need to cancel, cut short or even extend your trip because you are ill for any reason, someone travelling with you may also wish to do the same.

However, if your travelling companion(s) take out 'ordinary' travel insurance, it may well not cover them if they need to make a claim because you're ill. Their insurers will, as a matter of course, investigate if your travelling companion had told them that you're HIV+. If no, the insurer may decline your companion's claim because they may say that this was a material fact that should have been declared. Even if it had been, they may well have refused to accept any claims related to it.

Even if you maintain that your being ill was not HIV related, they may argue that, in their opinion, it was or that your HIV status may have contributed to it and that they don't pay any HIV-related claims.

If someone travelling with you wants to ensure that their claim will be accepted if it's linked to you being ill, then they should also be covered under our policy. Whether the claim is then related to you being HIV+ will not come into it.

"I just take out ordinary travel insurance - I'm concerned about confidentiality"

As someone who has worked in the HIV sector for many years, I understand the need for confidentiality.

If you take out 'ordinary' travel insurance and you needed to make a medical claim, the insurers would make enquiries about if you had any pre-existing medical conditions. It would come to light that you are HIV+. First, your claim may well be declined. Second, if that insurance company is owned by a larger one and is part of a group of companies, do you know whether your personal information will be shared within that group? How might that affect your application for other types of insurance? Maybe insuring with a standard insurer is not the best way to ensure the confidentiality you want to protect.

It's So Easy Travel Insurance is my own, privately-owned company. I have it in writing, following personal discussions with my underwriters and medical screening company, that your information will never be passed to another insurer. In order to administer the policy, others may need to know someone's HIV status. For example, my colleagues answering the phone, the 24 hour medical assistance service and the claims handling service. Everyone is bound by laws of confidentiality (the Data Protection Act) and by regulatory bodies such as the FSA.

The letters that go out with your insurance documents are from It's So Easy Travel Insurance, not HIV Travel Insurance. So if you want to ensure you keep up to date with developments in our services, make a note of this web site address (although you can also link to here from our general site: www.itssoeasytravelinsurance.com).


As you probably know, it's impossible to obtain life assurance that includes HIV cover from 'High Street' insurers. We can.

Because HIV is obviously a pre-existing medical condition, the premiums are higher than if you weren't positive and took out an ordinary life assurance policy. But at least you know that your being HIV+ is not going to prevent the policy from paying out.

Simply click here to go to our HIV life assurance page, complete the form and we will quickly get back to you with a quote.

Key Features of our policy:
(the figures are per person insured)
  • Up to £5 millon for medical expenses (including HIV related medical conditions)
  • Repatriation to the UK (if necessary by air ambulance and with a nurse or doctor in attendance)
  • Additional hospital benefits
  • Up to £3,000 for cancellation or curtailment
  • Up to £1,500 for loss of baggage or personal items
  • Cover for delayed or missed departure
  • Cover for loss of your passport
  • Scuba diving to 50m and cover for equipment automatically included
  • Many other activites automatically included
  • Option to include other, higher risk activities
  • Option to include winter sports
  • Up to £2 million for personal liability
  • Up to £250 for the cost of obtaining new medication or couriering medication from the UK if it's lost or stolen.
  • Single item limit for valuables is £250 per item
  • Optional extra to extend cover for higher value valuables to £400
  • Single trip policies up to 80 yrs of age and annual, multi-trip policies to 69yrs.

HIV retreats around the world

Looking for a place to relax? PLWHA.org has a list of retreats in the USA, Canada, the UK, Australia and Europe.


To obtain a quote and book on line please click
the Online Quote & Book link at the top of the page
or telephone us on

0844 357 1314

HIV Travel Insurance

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