Travel insurance to include diverticulitis is a must 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 if you have had diverticulitis
Travellers who have previously suffered from diverticulitis have in the past paid significantly more for their travel insurance 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 diverticulitis, but for the same person with diverticulitis, the premium could be £36.41, that’s around 3 times more expensive.
Typically customers with diverticulitis 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.
Diverticulitis and travel insurance
Diverticulitis is a common digestive disease which involves the formation of pouches (diverticula) within the bowel wall. This process is known as diverticulosis, and typically occurs within the large intestine, or colon, although it can occasionally occur in the small intestine as well. Diverticulitis results when one of these diverticula becomes inflamed.
Patients often present with the three symptoms of left lower quadrant pain, fever, and leukocytosis (an elevation of the white cell count in blood tests). Patients may also complain of nausea or diarrhea; others may be constipated.
The most common symptom of diverticulitis is abdominal pain. The most common sign is tenderness around the left side of the lower abdomen. If infection is the cause, then nausea, vomiting, fever, cramping, and constipation may occur as well. The severity of symptoms depends on the extent of the infection and complications.
All of these factors will be taken into account when you apply for travel insurance if you have suffered from diverticulitis.
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.