Compare Insulin Pump Insurance UK 2025
Not all insulin pump insurance is created equal. Different providers offer varying coverage levels, claims speeds, and pricing. This comprehensive comparison helps you find the perfect policy for your diabetes technology needs.
Comparison Overview
Top UK insulin pump insurance providers offer comprehensive coverage from £6.95-10/month with 24-hour claims processing. Key differences: coverage limits (£2,000-£10,000), excess options (£0-£100), additional extras, and claim processing speeds.
Provider Coverage Comparison
| Feature | Provider A | Provider B | Best Choice |
|---|---|---|---|
| Base Monthly Cost | £6.95 | £7.50 | Provider A |
| Max Coverage Limit | £8,000 | £10,000 | Provider B |
| Claims Processing | 24 hours | 24 hours | Tie |
| Accessories Covered | Basic | Full | Provider B |
| Worldwide Travel | 90 days | 120 days | Provider B |
| Loan Equipment | Yes | Yes | Tie |
| Customer Service | Good | Excellent | Provider B |
Note: Actual providers and coverage vary. This is a representative comparison. Always check specific policy documents for exact coverage details.
Coverage Tiers Breakdown
Basic Plan (~£6.95/month)
✓ Included:
- • Accidental damage
- • UK coverage only
- • £2,000-3,000 limit
- • £50 excess
✗ Not included:
- • Theft/loss
- • Travel cover
- • Accessories
- • Loan equipment
Standard Plan (~£8/month) - MOST POPULAR
✓ Included:
- • Accidental damage
- • Theft & loss
- • 90 days travel
- • £5,000 limit
- • £25 excess
- • CGM covered
✗ Not included:
- • Accessories (full)
- • Extended travel
- • Priority service
Premium Plan (~£10-15/month)
✓ Included:
- • Everything in Standard +
- • £0-10 excess option
- • £10,000 limit
- • Full accessories cover
- • 120+ days travel
- • Loan equipment
- • Priority claims
✓ All covered
Complete protection with all bells and whistles.
Key Differences to Consider
Claims Speed
Most providers process claims within 24 hours. Verify this before purchasing - it's critical for diabetes management. Ask about next-day replacement options.
Device Coverage
All major brands covered (Medtronic, Omnipod, Tandem, Dexcom, Libre, Guardian). Confirm your specific model is covered before purchasing. Some providers may have restrictions on very new or very old devices.
Excess Amount
Higher excess = lower premium. £25 excess is common sweet spot. £0 excess available but costs more. Consider how often you'd claim - if rarely, higher excess saves money.
Coverage Limits
Match limit to your pump value. Medtronic/Tandem (~£3,500-£4,500) need £5,000+ limit. Omnipod (~£2,500) okay with £2,000-£3,000. Consider accessories too if including transmitters.
Travel Coverage
Standard: 90 days/year. Premium: 120-180 days/year. If you travel frequently, verify coverage extends to your destinations and includes worldwide replacement.
How to Choose
- 1.
Identify Your Needs
Travel frequently? Need maximum coverage? Basic protection okay?
- 2.
Check Device Coverage
Verify your pump/CGM model is covered. Call providers to confirm.
- 3.
Compare Pricing
Get quotes for your specific scenario (device type, coverage amount, excess).
- 4.
Verify Claims Service
Call customer service. Ask about 24-hour claims, loan equipment, and response times.
- 5.
Read Reviews
Check feedback on claims speed and customer service quality.
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