Travel insurance if you have liver disease is really important when you travel or take a holiday overseas 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 liver disease
Travellers with liver disease have in the past paid significantly more for their travel insurance as those with liver disease, 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 USA for 1 week would pay around £13.42 if they didn’t have liver disease, but for the same person with liver disease, the premium could be £36.41, that’s around 3 times more expensive.
Typically customers with liver disease 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.
Liver disease and travel insurance
Liver disease (also called hepatic disease) is a type of damage to or disease of the liver. The symptoms related to liver dysfunction include both physical signs and a variety of symptoms related to digestive problems, coagulopathies, blood sugar problems, immune disorders, abnormal absorption of fats, and metabolism problems.
The malabsorption of fats may lead to symptoms that include indigestion, reflux, deficit of fat soluble vitamins, hemorrhoids, gallstones, intolerance to fatty foods, intolerance to alcohol, nausea and vomiting attacks, abdominal bloating, and constipation.
Nervous system disorders include depression, mood changes, especially anger and irritability, poor concentration and "foggy brain", overheating of the body, especially the face and torso, and recurrent headaches (including migraine) associated with nausea.
All of these factors will be taken into account when you apply for travel insurance with liver disease.
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.