Travel insurance if you have had a liver transplant 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 liver transplant
Travellers whi have had a liver transplant have in the past paid significantly more for their travel insurance as those with liver transplant, 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 liver transplant, but for the same person with liver transplant, the premium could be £36.41, that’s around 3 times more expensive.
Typically customers who have had a liver transplant 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 transplant and travel insurance
Liver transplantation or hepatic transplantation is the replacement of a diseased liver with a healthy liver from another person. The most commonly used technique is orthotopic transplantation, in which the native liver is removed and replaced by the donor organ in the same anatomic location as the original liver. Liver transplantation is a viable treatment option for end-stage liver disease and acute liver failure. Typically three surgeons and two anesthesiologists are involved, with up to four supporting nurses. The surgical procedure is very demanding and ranges from 4 to 18 hours depending on outcome. Numerous anastomoses and sutures, and many disconnections and reconnections of abdominal and hepatic tissue, must be made for the transplant to succeed, requiring an eligible recipient and a well-calibrated live or cadaveric donor match.
Many factors will be taken into account when you apply for travel insurance when you have had a liver transplant most of all if your condition is now stable.
And finally, those that are awaiting a diagnosis or additional tests face the highest 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.