How Much Does Insulin Pump Insurance Cost?
Insulin pump insurance is surprisingly affordable. Coverage for your essential diabetes technology typically costs just £6.95-10/month - less than £1 per day for complete protection.
Quick Answer
Basic coverage: £6.95-7.50/month (accidental damage only)
Comprehensive: £8-10/month (accidental damage + theft + travel)
Pricing by Coverage Level
Tier 1: Basic Coverage
💷 Cost
£6.95-7.50
/month (£84-90/year)
📋 What's Included
- • Accidental damage only
- • £2,000-3,000 limit
- • £50 excess
- • UK coverage only
Tier 2: Standard Coverage ⭐ MOST POPULAR
💷 Cost
£8-10
/month (£96-120/year)
📋 What's Included
- • Accidental damage + theft
- • £5,000 limit
- • £25 excess
- • 90 days worldwide travel
- • CGM included
- • 24-hour claims
Tier 3: Premium Coverage
💷 Cost
£11-15
/month (£132-180/year)
📋 What's Included
- • Everything in Standard +
- • £10,000 limit
- • £0-10 excess option
- • Full accessories cover
- • 120+ days travel
- • Loan equipment
- • Priority claims
Factors That Affect Your Price
🎯 Device Type
Higher-value pumps (Tandem ~£4,000) cost more to insure than lower-value pumps (Omnipod ~£2,500). Pricing reflects the replacement cost.
💰 Coverage Amount
£2,000 limit: cheaper. £10,000 limit: more expensive. Choose a limit that matches your pump value to avoid over-paying or under-protecting.
🛡️ Excess Amount
Higher excess = lower premium. £100 excess costs less than £0 excess. Consider how often you'd claim before choosing.
✈️ Travel Coverage
Domestic-only coverage is cheaper. Adding worldwide travel (90 days/year) adds £1-2/month. Extended travel costs more.
📦 Additional Extras
Adding accessories, loan equipment, or extended features increases cost. Basic policies are cheapest; premium adds £1-3/month.
Price Comparison: Device by Device
| Device | Device Cost | Basic Insurance | Standard Insurance |
|---|---|---|---|
| Omnipod Dash/5 | ~£2,000-2,500 | £6.95 | £8-9 |
| Medtronic 780G | ~£3,800-4,200 | £7.50 | £9-10 |
| Tandem t:slim X2 | ~£4,000-4,500 | £8 | £10 |
| Dexcom G7 (standalone) | ~£200-300 | £2.50 | £4 |
| Pump + CGM Bundle | ~£4,500+ | N/A | £8-10 |
Cost vs. Value Calculation
❌ Without Insurance
One incident = catastrophic cost
✅ With Insurance
Complete peace of mind for pennies per day
How to Get the Best Price
- 1.
Match Coverage to Your Device
Don't over-insure. Choose coverage limit that matches your device value (£2,000 for Omnipod, £5,000 for Medtronic, £10,000 for Tandem).
- 2.
Choose Appropriate Excess
£25 excess is sweet spot for most users - good price without excessive out-of-pocket costs. £50+ saves more but increases claim costs.
- 3.
Bundle Pump + CGM
Bundling is cheaper than separate policies. If you have both, get one combined policy rather than two separate ones.
- 4.
Only Add Extras You Need
Skip international travel if you don't travel. Skip loan equipment if you're not concerned. Keep to essentials for best price.
- 5.
Compare Multiple Quotes
Different providers offer different prices. Get quotes from 2-3 providers to compare and find the best value.
When Price Goes Up
Prices may increase if:
- •You increase coverage amount (£2,000 → £10,000)
- •You lower excess amount (£50 → £0)
- •You add international travel coverage
- •You add multiple devices (pump + CGM)
- •You add extras (accessories, loan equipment)
- •Premium policy tier is selected
Get Your Personalized Quote
Find out exactly how much insulin pump insurance will cost for your specific situation. See pricing for different coverage levels and options.
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