Travel insurance if you have inflammatory bowel disease (IBD) 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 inflammatory bowel disease
Travellers with inflammatory bowel disease have in the past paid significantly more for their travel insurance as those with inflammatory bowel 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 United States of America for 1 week would pay around £13.42 if they didn’t have inflammatory bowel disease, but for the same person with inflammatory bowel disease, the premium could be £36.41, that’s around 3 times more expensive.
Typically customers with inflammatory bowel 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.
Inflammatory bowel disease and travel insurance
In medicine, inflammatory bowel disease
) is a group of inflammatory conditions of the colon and small intestine. The major types of IBD are Crohn's disease and ulcerative colitis.
The main forms of IBD are Crohn's disease and ulcerative colitis (UC). Inflammatory bowel diseases are considered autoimmune diseases, in which the body's own immune system attacks elements of the digestive system.
Accounting for far fewer cases are other forms of IBD, which are not always classified as typical IBD:
- Collagenous colitis
- Lymphocytic colitis
- Ischaemic colitis
- Diversion colitis
- Behçet's disease
- Indeterminate colitis
All of these factors will be taken into account when you apply for travel insurance with inflammatory bowel 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.