Travel insurance if you have cirrhosis is essential when you travel or take a holiday abroad just in case you fall ill and need medical treatment. The cost of receiving medical treatment away from the UK can be very high. For those with pre-existing medical conditions travel insurance can be expensive unless you shop around (this link might help you find cheap travel insurance for people with cirrhosis
Travellers with cirrhosis have in the past paid significantly more for their travel insurance as those with cirrhosis, like many other sufferers of a pre-existing condition have had their premiums raised. The travel insurance companies consider those that are under the treatment of a doctor, even on a routine basis, may be more likely to claim and hence cause them to have to pay out.
For example, a 54 year old male, travelling to the United States of America for 1 week would pay around £13.42 if they didn’t have cirrhosis, but for the same person with cirrhosis, the premium could be £36.41, that’s around 3 times more expensive.
Typically customers with cirrhosis might also suffer with another condition. In our example the premium would still be £36.41 assuming the applicant was taking 2 additional medications for high blood pressure.
Additional rating factors which effect travel insurance are high blood pressure, high cholesterol and whether you smoke.
Cirrhosis and travel insurance
Cirrhosis is a consequence of chronic liver disease characterised by replacement of liver tissue by fibrosis, scar tissue and regenerative nodules (lumps that occur as a result of a process in which damaged tissue is regenerated), leading to loss of liver function. Cirrhosis is most commonly caused by alcoholism, hepatitis B and hepatitis C, and fatty liver disease, but has many other possible causes.
All of these factors will be taken into account when you apply for travel insurance with cirrhosis.
And finally, those that are awaiting a diagnosis or additional tests face the heftiest premiums as what insurers’ hate most of all is uncertainty, especially around the possible risk of falling ill abroad with a condition that isn’t yet well controlled.