can i get travel insurance with gallstones

Will Travel Insurance Cover Gallstones?

You may feel assured that your coverage will take into account your gallstones and any influence they may have on your trip if you declare them on your policy. As an example, if you have gallstones and are too ill to travel or need medical attention while on vacation, you may not be able to use your vacation time to relax.

Depending on the terms of the insurance provider, most travel insurance policies cover the following:

• In the event that you require urgent medical attention or are unable to return to your home country for treatment, you will be covered for these costs.
• Any medication you’ve brought to treat gallstones that has been lost, stolen, or damaged.
• If you unexpectedly decide to cancel your vacation or cut it short, cancellation and curtailment are the terms you’ll need to know.
• Check with your service provider to see if this is included in your policy.
• Personal liability insurance protects you in the event that you cause inadvertent harm to another person or their property.

Can you get travel insurance if you have gallstones?

Yes. Many, if not most travel insurance providers, will provide coverage for a vast range of different medical ailments, including gallstones.

To ensure that your gallstones are covered, all you have to do is disclose them during the straightforward quote process that they provide.

My doctor said I have ‘probable’ gallstones but it’s never been properly diagnosed: can I still get cover?

Travel insurance for gallstones is only available to those who have been diagnosed with gallstones. Undiagnosed conditions are generally not covered by travel insurance. Make an appointment with your doctor and inquire about whether or not they can confirm that you have gallstones.

Anatomy of the Gallbladder

There is a big thumb-sized sac in the gallbladder that holds the bile produced by the liver. In order to facilitate the digestion of fats and cholesterol, bile is transported from the liver to the gall bladder and the small intestine via ducts, which connect the three organs.

The bilary system refers to this system. Three ducts create a “Y” when viewed as a whole. The hepatic duct carries bile excreted by the liver down one of the Y’s upper arms.

Gallbladder stores it until it is needed for digestion by moving it up its upper arm (the cystic duct) of the Y.

Afterwards, the gallbladder expels bile into the common bile duct, creating the Y’s bottom leg. The common bile duct relaxes a muscle at the base of the bile duct to facilitate digestion.

Stone Formation and Risk Factors

Problems are rare as long as the bile flows freely through the Y’s three legs. As bile is continuously produced but not expelled, pressure can rise if one or more legs are obstructed. Inflammation and discomfort are possible side effects.

Stones of bile can range in size from sand grains to the size of a golf ball.

Cholesterol is the primary component of the stones, and they are more likely to form in the gall bladder when cholesterol concentrations rise relative to bile acid concentrations.

A blockage in the cystic duct could be caused by these stones. They can also get trapped in the common bile duct, preventing bile from the liver and gallbladder from flowing.

This is a life-threatening situation, and the victim will swiftly grow unwell and jaundiced as a result.

Ironically, it is the smaller granular stones that tend to clog the ducts the most frequently. Because of their size, big gallstones tend to remain in the gallbladder rather than moving via the ducts. It’s possible that they have no effect at all.

Obesity, rapid weight loss through fasting, high fat meals, female hormones, aging, pregnancy, sludging in the gall bladder, and some medications are all risk factors for gallstone formation.

Gallbladder Disease Symptoms

It is common for gallstones to show up as a cramping sensation below the right rib cage following meals. Fatty foods might be very enticing.

Severe pain may be mistaken for other conditions such as ulcers, heart problems, kidney stones or pancreatitis in more severe cases. If the symptoms are accompanied by a fever, seek medical assistance right away to avoid further complications from cholecystitis.

The term “bilary colic” refers to a sudden, sharp pain in the right upper quadrant of the abdomen that may extend to the right shoulder blade. After a few hours, there is a dull pain in the upper abdomen that lasts for about a day.

A high-fat lunch may set off the symptoms, which can be alleviated by sticking to non-fat drinks.

Clear liquids or no food at all may be prescribed as the first step in treatment. The gallbladder can be soothed with intravenous fluids, oral restriction, and the use of a nasogastric tube to remove stomach contents on occasion.

Antibiotics are required when a patient has a fever or an elevated white blood cell count. Performing surgery on someone who has a fever increases the risk of complications significantly, which is why surgeons are cautious to do so.

There are many mild cases that won’t return for a while if one is careful about what they eat. An unwelcome recurrence of symptoms may result from ignoring the diet for an extended period of time.

Watchful waiting and restricted diets are frequently used to manage minor symptoms. An acceptable management strategy is to keep a close eye on the situation.

As many as 80% of male gallstones are asymptomatic, or “silent,” and do not cause any symptoms or require surgery. While gallstones that are asymptomatic do not disqualify, those that are symptomatic do.

Diagnosis of Gallstones

Gallstones can only be detected definitively utilizing a gallbladder ultrasound, which uses Doppler imaging to provide a two-dimensional picture of the stones’ position and size.

Gall bladder disease may be suspected by increased liver function tests and bilirubin in blood testing.

An x-ray or CT scan may be used to see the stones, which can help narrow down the possibilities for a diagnosis. Only 10-15% of stones have enough calcium to be seen by x-ray.

Gallbladder inflammation and function can be assessed with blood scans utilizing radioisotopes that are seen with a nuclear imaging camera. Acute gallbladder inflammation is the best time to utilize these medications.

The Oral Cholecystogram (OCG), the primary diagnostic tool prior to ultrasonography, can be used to evaluate the function of the gall bladder and ducts in persons who are not surgical candidates, as well.

Patients with recurring gall bladder symptoms can be treated with a combination of both medication and surgical options. Surgery is the most common method for removing gallstones from the gallbladder.

A person’s bile is no longer stored in the gall bladder, but it is still produced in the liver and required for digestion. Only a very small percentage of persons with asymptomatic gallstones require therapy or surgery.

Surgical Treatment

There are two primary surgical procedures. Traditional cholecystectomy is the procedure in which the abdomen is opened and the gall bladder and its duct are tied off and then surgically removed.

This procedure necessitates general anesthesia and leaves a large scar on the right side of the ribs. In a well-known snapshot from the 1960s, President Johnson shows his scar from a gallbladder operation. A few weeks of healing time is required for this.

Today, the alternate method is far more popular than it was a few years ago. The procedure is referred to as a laparoscopic cholecystectomy (LC) for short.

Using three or four probes put through small abdominal wall incisions, carbon dioxide is pumped into the belly to see the gallbladder, which is located behind and under the liver, and then removed. It takes only a few days to recuperate and the scarring is hardly undetectable.

Medical Treatment

For gallbladder disease, medical treatments are a lot less prevalent than surgery. Only 10% of people with symptoms of gallbladder disease who require medical treatment are eligible for treatment.

It’s possible to dissolve the stones with medication alone, but that’s not the only option. UDCA (ursodiol) and CDCA (carbamazepine) are the names of these drugs (chenodiol). Slowly, they reduce cholesterol production in the liver, which has a long-term effect.

The bile acid breaks down the cholesterol in the stones and excretes it in the intestine. Over the course of two years, around 50-60% of the stones will disintegrate. Before using these medications, the FAA must approve their use.

If the treatment is well tolerated, but the underlying disease of symptomatic gallstones persists, the patient may still be disqualified.

Extracorporal shock waves, like those used to break up kidney stones, are now being employed in a new medical treatment. The stones are targeted by the shock waves, which seek to dislodge them.

Approximately 20% of patients have recurrences of stones, and they are routinely kept on UDCA after treatment. Due to the high expense and the possibility of a recurrence, this procedure is rarely done.

Are gallstones considered an emergency?

Gallstones are crystals of digestive fluid and cholesterol that form inside the gallbladder and harden into small, hard deposits. Gallstones can enter the bile duct and restrict its flow into the small intestines if they are not addressed immediately.

Galbladder stones do not usually hurt yet they can cause inflammation and infection. Unexpected rupture of an infected gallbladder demands prompt medical treatment.

What happens if gallstones travel?

Gallstone ileus is rare, yet it can be deadly. When a gallstone travels to the gut and blocks it, it is known as a gallstone obstruction. The blockage may necessitate an emergency operation to remove it. Empyema, or pus in the gallbladder, can occur in patients with gallstones.

What happens if gallstones are left untreated?

Surgery to remove the gallbladder, if the patient is a good surgical candidate, is generally recommended in all cases to lessen the severity of the condition and the likelihood of stone recurrence. Gallbladder surgery can be divided into two categories:

• An open cholecystectomy is a surgical procedure in which the gallbladder is removed through a single big abdominal incision (5 to 7 inches long). If there is severe inflammation of the bile duct or gallbladder, open surgery may be necessary to prevent gallbladder ruptures. As a result of the incision’s length, patients are more likely to endure discomfort and require more time to recuperate.
• When removing the gallbladder, laparoscopic surgery is an option because it requires just four small incisions (each one inch or less in length) rather than a huge incision in the abdomen. The laparoscope, a narrow tube with a camera, is introduced into these small incisions. This makes it possible for surgeons to see the gallbladder in all its dimensions up up and personal on a computer screen before removing it with precision and safety.

Laparoscopic cholecystectomy results in less pain and fewer problems, such as reduced blood loss and decreased rates of post-operative infections, thanks to smaller incisions. Laparoscopic surgery provides extra cosmetic advantages over open surgery.

Laparoscopic surgery does not necessitate the abdominal muscles to be severed like open gallbladder removal. Consequently, patients are able to return to their normal routines sooner, resulting in a shorter hospital stay.

As the gallbladder merely contains bile acid and is not necessary for healthy digestion, individuals who undergo gallbladder removal surgery do not need to be concerned about their digestive capabilities.

High-fat diets must be balanced with the right number of fruits and vegetables, as well as easy-to-digest foods like fish, in order to improve digestive health and minimize belly bloating.

Gallstones: Watch Out If you are a woman over 40

Astonishingly, cholesterol gallstones are more common in women over 40 due to increased estrogen secretion, which causes the liver to produce more biliary cholesterol and more cholesterol-saturated bile.

Hypercholesterolemia (a high amount of cholesterol in the blood), the use of estrogen-containing drugs such as oral contraceptives or hormone replacement therapy, the presence of several children, diabetes, or a thalassemia diagnosis are all risk factors.

Prevention of Gallstones

The best strategy to lower the risk of “Maintaining a healthy weight, avoiding high-calorie diets, and consuming high-fiber foods like vegetables and fruits are some of the best ways to prevent gallstones. Diabetics and people with hypercholesterolemia (a high level of cholesterol in the blood) require close monitoring.

More importantly, getting a yearly physical can detect gallstones early, before symptoms appear. A complete physical examination and upper abdominal ultrasound scan should be performed as soon as possible if there are any signs or symptoms of gallstones.

It is possible to develop cholecystitis and sepsis from gallstones if they are left untreated. Furthermore, it may raise the risk of developing a disease “carcinoma of the gallbladder in the future.

When can I go home?

In most cases, you can go home the same day of surgery if your pain is under control with pain medication, you’ve passed urine, and someone is available to take you up.

When can I go back to work?

The decision to work from home or at a desk is entirely up to you if this is the case. Most people take a week off of work if they have to do more manual labor or travel a lot.

When can I drive?

You can’t make an emergency stop for 48 hours following a general anesthetic, and you can’t do it again until you’re entirely comfortable. Typically, this occurs within the first three to five days following the procedure.

What tablets do I take?

Please continue to take the pain medication you were given at discharge for at least the first 24 hours and then as needed. As discussed with the surgical team members prior to discharge, continue to take any other regular medications you may be taking. Aspirin, clopidogrel, or warfarin should be used by diabetics.

When can I go to the gym/swim?

In most cases, the wounds are totally healed within ten days of the procedure. The gym is a great place to begin with light exercises. As soon as you are able, get out of bed and move around the house to lower your risk of complications like blood clots in the legs or the lungs, which can occur the day following surgery.

What about wound care?

The GP nurse will remove the clips from your skin incisions 7-10 days following the surgery if they were used to close the wounds. Once you’ve given your wounds a chance to air dry for two days, you’re free to take a shower or a bath as usual. Shower or bathe with the dressings on, replacing them if they get soaked through, before this procedure.

What should I eat and drink after the operation?

You may feel queasy due to anesthesia, painkillers, and surgery, so eat small, light meals. For the first 48 hours after surgery, you should refrain from eating anything greasy, spicy, or alcoholic.

How do I know if there is a serious problem after the surgery and what should I do if I feel unwell after I am discharged?

If you have any of the following conditions, you should return to the hospital:

• severe abdominal or shoulder pains that are not eased by the pain medicines you are given after a few hours after being discharged from the hospital
• flu-like symptoms, such as a fever and chills
• a condition characterized by excessive yellowness (when your skin and whites of the eyes become yellow and your urine becomes coca-cola coloured)
• vomitting incessantly
• Your doctor or a GP nurse can’t help you with wound concerns.

Do I need to be followed up?

No, you should not be kept in the hospital after a straightforward procedure if there were no complications. Don’t wait until it’s too late to visit your GP about any issues connected to your operation; instead, contact your primary care physician.

How do I know if its gallbladder pain?

Symptoms of gallbladder problems include:

• Upper right abdominal ache that comes on suddenly and gets worse quickly.
• A sharp, stabbing pain just below your breastbone in the middle of your abdomen.
• Shoulder blade soreness in the lower back.
• Right shoulder discomfort
• Nausea or vomiting

How urgent is gallstone surgery?

New research reveals that if a person is hospitalized for a gallbladder attack, surgery should generally be performed as soon as possible.

In most cases, doctors will wait until the inflammation in the gallbladder has subsided and antibiotics have begun to treat an infection before deciding to do an operation. Waiting more than 72 hours for surgery resulted in a higher rate of problems and a longer stay in the hospital, according to the study.

If you can get the surgery done early, the results may be better. An organ near the liver called the gallbladder is responsible for the storage of bile, a digestive fluid that aids in the digestion of fatty foods.

According to the US National Institute of Diabetes and Digestive and Kidney Diseases (NIDDK), gallstones (hard, pebble-like particles) can form in your gallbladder. They range in size from the smallest grain of sand to the largest golf ball.

A prevalent ailment is gallstones. According to the NIDDK, up to 15% of Americans are at risk.

How bad is Gallstone pain?

One to five hours, but sometimes only a few minutes, of abrupt, excruciating stomach discomfort might be caused by gallstones.

You may also feel the ache in your body:

• In the middle of your torso (tummy)
• There’s an area of the body just below the ribs on your right, which may spread outward.

When you go to the bathroom, pass wind, or vomit, it doesn’t alleviate the discomfort.

If you eat fatty meals, it may be provoked, but it can happen at any time of day and may wake you up in the middle of the night, too.

The incidence of biliary colic is extremely rare. For other people, it may be weeks or months before they experience pain again.

Some people also have episodes of extreme sweating and vomiting.

The term “uncomplicated gallstone disease” refers to gallstones that induce biliary colic.

How do you know if your gallbladder ruptures?

Millions of Americans suffer from gallbladder disease, which is one of the most common digestive ailments in the United States.

In an effort to help you better understand gallbladder illness, Hackensack University Medical Center’s chief of general surgery and director of robotic general surgery Stephen Pereira, M.D., answered some of the most frequently asked questions.

Pear-shaped, your gallbladder is located beneath your liver. To break down fats in your food, your liver produces bile, which is stored here. The common bile duct, which connects your gallbladder and liver to your small intestine, releases bile as food is digested in your stomach and intestines.

Symptoms of gallbladder illness include the following:

• An excruciating pain in the upper right side of your belly — often under the ribs, occasionally spreading to the back, and more commonly felt after consuming meals (especially those high in fat)
• Vomiting and diarrhoea
• Afebrile body temperature (if infection is present)
• If gallstones obstruct the common bile duct, this results in yellowing of the skin.

In rare cases, the gallbladder ruptures, bursting. Inflammation, infection, or a blunt injury such as a vehicle collision might cause a rupture.

The sooner you seek medical assistance if you’re experiencing signs of a gallbladder rupture (such as vomiting, acute abdominal pain, fever, and yellowing of the skin and eyes), the better.

An important organ is the liver, although the gallbladder is not among it. Despite the fact that it serves the purpose of storing bile, you can go without one.

Because of this, the gallbladder is frequently removed when it is ill. Having a gallbladder means that bile will flow directly from the liver into your intestines if you don’t have one.

You may be monitored by your doctor and told to avoid fatty foods if you have gallstones but don’t have any symptoms or have only had one “attack.”

A low-fat diet may be beneficial since fat encourages the gallbladder to release bile. In most cases, surgery will be advised for patients with persistent and chronic problems.

Gallstones can move from the gallbladder into the common bile duct, causing pain and yellowing of the skin.

As a last resort, these stones can be removed using an endoscope retrograde cholangiopancreatography (ERCP), which is put into your intestines through your throat and bile duct. The gallbladder is surgically removed if the gallstones do not pass out of the gallbladder, which is called a cholecystectomy.

People can now have their gallbladder removed by a single incision in the navel thanks to developments in robotic surgical methods. A large number of patients can leave the hospital the same day and return to their daily routines with reduced pain. Complex gallbladder situations where inflammation, infection, or chronic scarring are present can benefit from robotic surgery.

The surgeon sits at a console and controls equipment that move the robot’s arms with the help of the robotic surgical system. The surgeon’s instruments allow him or her to move in a variety of directions, allowing him or her to do a precise procedure on the gallbladder.

Patients with complex gallbladder and bile duct problems can be cared for via robotic surgery. Robotic gallbladder removal is often an outpatient procedure, which means you can return home the same day.

Approximately 20% of patients report experiencing diarrhea, gas, and/or bloating following the procedure, but these symptoms often subside within a few weeks.

Can gallstones go away without surgery?

Only a few treatment options are available when a gallstones diagnosis has been made. If the gallstones don’t dislodge on their own, then therapy may be necessary. When gallstones aren’t causing symptoms, diet adjustments may be all that’s necessary to avoid consequences.

Gallstones can be treated with a variety of methods, including:

• Removal of the gallbladder through surgery
• Removing the gallbladder and its stones is known as a cholecystectomy.
• Without a gallbladder, people can lead regular lives.
• In circumstances where cholecystectomy is not an option, a catheter is utilized to extract the digestive enzymes that are blocked by the gallstones.
• Treatments that do not require surgery.
• The cholesterol that forms gallstones is progressively dissolved and broken down by bile acid salts.
• Breaking up the stones into smaller pieces is achieved with the use of sound waves in extracorporeal shock wave lithotripsy (ESWL).

Can gallstones be removed without removing gallbladder?

Bile duct stones can be removed using the endoscopic retrograde cholangio-pancreatography (ERCP) surgery.

In this surgery, the gallbladder is not removed, therefore any gallstones in the gallbladder will remain unless they are removed using other surgical techniques.

In an ERCP, an endoscope (a long, thin flexible tube with a camera at the end) is put into your mouth and down to where the bile duct enters into your small intestinal tract for diagnostic purposes (see diagnosing gallstones for more information).

ERCP, on the other hand, uses an electrically heated wire or a tiny cut to expand the bile duct aperture.

It is then possible to remove or simply allow the stones to flow through your digestive system and out of your system.

A stent, a tiny tube permanently implanted in the bile duct, can let bile and stones pass through more easily in some instances.

ERCP is typically performed under sedation, which means you’ll be aware but not in pain during the surgery.

However, it can take as long as an hour to complete the treatment on average.

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Travel Insurance for Gallstones

Now that you’ve booked your next holiday, it’s time to find travel insurance that covers gallstones. just travel cover is here to help.

If you currently suffer from gallstones or have in the past, you know that they can often have little to no symptoms – until it is too late. If a gallstone becomes trapped, the intense pain in your stomach can make even the simplest of tasks a challenge.

Be prepared with Gallstone Travel Insurance

Nobody wants to think that a medical emergency will happen while you’re abroad, but it is best to be prepared in case it does. Having Travel Insurance with gallstone cover will give you the peace of mind needed to relax while you’re away. On average in the UK, gallstones affect 1 in 10 adults, so you aren’t alone. There are certain factors that increase your risk of developing gallstones, such as being overweight or over the age of 40. Statistically, you are also more likely to develop gallstones if you’re female, especially if you have had a child.

Declare all medical conditions on your Travel Insurance policy

If you’re currently suffering from gallstones, have suffered complications in the past, or have recovered, it is important that you declare it on your Travel Insurance, as failing to do so could make your policy invalid. Don’t let the fear of gallstones get in the way of your well-deserved break. Get Gallstone Travel Insurance with Just Travel Cover today.

Compare Gallstone Travel Insurance today

Thanks to our quick online medical screening, it has never been easier to compare and find an insurance policy that covers your individual needs, including gallstones or any other medical conditions you may have. Once you’ve answered a few medical questions, we will compare prices from a range of insurers who can provide gallstone Travel Insurance cover and present options to you – be sure to check the amount of cover provided and the excess you’ll need to pay in the event of a claim.

If you would feel more comfortable speaking with one of our Travel Insurance specialists over the phone, please don’t hesitate to call today.

Travel Insurance for Gallstones FAQs

Frequently asked questions about Travel Insurance for Gallstones .

Is gallstones a pre-existing medical condition?

Yes, any medical issue that you had before travelling is considered a pre-existing medical condition , including gallstones. It is important that you declare your condition when getting a quote to ensure you have cover in place should you need medical treatment for gallstones (or any related) condition. 

If you fail to declare your gallstones, you could be at risk of invalidating your policy. This means that you may not be covered if a gallstone-related medical emergency were to happen while you’re abroad. Medical treatment abroad can be costly, and if you’re not adequately insured, you may be faced with paying hefty fees alone.

Can I get Travel Insurance with gallstones?

Yes – we are here to help. You can get Travel Insurance for gallstones, and it is recommended that you do. Our Travel Insurance specialists are experienced in finding cover for hundreds of pre-existing medical conditions, including gallstones.

Can you fly with gallstones?

Yes, you can fly with gallstones, but it’s wise to consult your doctor if you’ve had recent episodes of pain. Ensure you have Travel Insurance with gallstones cover, carry necessary medications, and know the healthcare options at your destination.

Do I need gallstone Travel Insurance after gallbladder removal?

Yes, you should declare gallstones as a pre-existing medical condition even after you have had gallbladder removal. Once declaring your medical condition, you will be asked a few related questions, including surrounding any surgeries or gallblader removal. It is important to be as honest and transparent as possible when securing your Travel Insurance policy to insure you have the right insurance for your needs.

Do I need Travel Insurance with kidney stones cover?

Yes, like gallstones, kidney stones should be declared on your Travel Insurance policy. if you suffer with kidney stones, the pre-existing medical condition that caused them should be declared when securing your Travel Insurance for kidney stones to ensure adequate cover.

Travel Insurance for Gallstones – Your Cover

• Cancellation/ curtailment up to £12,500 (£30,000 on referral)
• Missed departure up to £1,500 per person
• Baggage up to £3,000 per person
• Personal Liability up to £2 million per person
• Zero excess policies available

Medical Cover for Gallstones

• Emergency medical expenses and repatriation up to £15 million
• 24/7 emergency medical assistance
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Exploring Post-Operative Travel Restrictions For Patients Recovering From Gallbladder Surgery

• Last updated Oct 25, 2023
• Difficulty Advanced

• Category United States

Traveling after any surgical procedure requires careful consideration, but when it comes to gallbladder surgery, additional precautions must be taken. Gallbladder surgery is a common procedure, usually done through minimally invasive techniques. However, even with these advancements, it's important to understand the potential travel restrictions and post-operative guidelines to ensure a smooth recovery process. Whether you're planning a weekend getaway or embarking on a long-distance trip, this article will provide you with valuable information on travel restrictions after gallbladder surgery, helping you navigate the dos and don'ts of post-operative travel.

What You'll Learn

How soon after gallbladder surgery can i travel, are there any specific travel restrictions i should be aware of after gallbladder surgery, what precautions should i take while traveling after gallbladder surgery, can i travel by plane after gallbladder surgery, are there any recommended destinations or activities to avoid after gallbladder surgery.

Gallbladder surgery, also known as cholecystectomy, is a common surgical procedure performed to remove the gallbladder. It is typically done due to gallstones or other gallbladder-related complications. After undergoing gallbladder surgery, many patients wonder how soon they can resume their regular activities, including travel. This article will explore the answer to the question: How soon after gallbladder surgery can I travel?

The recovery period after gallbladder surgery can vary from person to person. However, on average, most individuals can expect to spend a few days in the hospital after the surgery. During this time, doctors will closely monitor their condition and allow them to gradually start moving around and engaging in light activities.

Once discharged from the hospital, patients are generally advised to take it easy for a week or two. During this time, it is important to prioritize rest and avoid any strenuous activities. It is recommended to gradually increase physical activity, starting with short walks around the neighborhood or light household chores.

When it comes to traveling after gallbladder surgery, it is generally safe to do so once the initial recovery period is over. However, it is crucial to consider certain factors before embarking on a trip. Firstly, it is advisable to consult with the surgeon or healthcare provider before making any travel plans. They will be able to assess the individual's specific condition and provide guidance on when it is safe to travel.

The mode of travel is another important consideration. If planning to travel by air, individuals should take into account the potential effects of altitude on their body during the healing process. The changes in cabin pressure can cause discomfort or complications, especially in the early stages of recovery. Therefore, it is generally recommended to avoid air travel for at least two weeks after gallbladder surgery. Instead, opting for ground transportation, such as car or train, may be a more suitable choice during this period.

Furthermore, the duration and nature of the trip should also be taken into account. If planning a long-distance journey or a physically demanding trip, it is crucial to ensure that the individual's body has fully healed and can handle the physical stresses associated with travel. It is important to listen to the body and not push oneself too hard, as this can lead to complications or setbacks in the recovery process.

In addition to these considerations, it is also important to be prepared while traveling after gallbladder surgery. It may be necessary to pack essential medications, such as pain relievers or antibiotics, in case of any unforeseen discomfort. It is also advisable to have access to medical facilities and healthcare providers at the travel destination, just in case any complications arise.

To summarize, the timeline for traveling after gallbladder surgery varies from individual to individual. In general, it is safe to travel once the initial recovery period is over, which typically lasts for a week or two. However, it is essential to consult with healthcare providers and consider factors such as mode of travel, duration of the trip, and the individual's overall condition before making any travel plans. By taking these precautions and being prepared, individuals can have a safe and comfortable travel experience after gallbladder surgery.

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After undergoing gallbladder surgery, it is important to take certain precautions when traveling to ensure a smooth recovery and avoid any complications. While there are no specific travel restrictions after gallbladder surgery, it is essential to be mindful of a few things to minimize discomfort and promote healing.

Here are some tips to keep in mind when traveling after gallbladder surgery:

• Consult with your surgeon: Before planning any trip, it is advisable to consult with your surgeon to assess your readiness for travel. Your surgeon is the best person to evaluate your condition and provide personalized advice based on your recovery progress.
• Give yourself ample time to recover: It is crucial to allow yourself enough time to recover fully before embarking on a trip. The duration of the recovery period varies from person to person, but generally, it takes about 2-3 weeks to heal after gallbladder surgery. Rushing into travel too soon can increase the risk of complications and discomfort.
• Consider the mode of transportation: The mode of transportation you choose can play a significant role in your comfort and well-being during travel. If you are traveling by car, make sure to take frequent breaks to stretch your legs and relieve any discomfort. If flying, it is a good idea to request an aisle seat to have easy access to the restroom. Additionally, consider packing essential items such as pain medication, loose-fitting clothing, and snacks to make your journey more comfortable.
• Be mindful of your diet: After gallbladder surgery, it is common to experience changes in digestion. To minimize any digestive discomfort during your travels, it is advisable to stick to a low-fat diet. Avoid consuming greasy, spicy, and high-fat foods as they may trigger symptoms such as diarrhea and abdominal pain. Snacking on fruits, vegetables, and light meals can help keep your digestive system in balance.
• Stay hydrated: It is crucial to stay hydrated, especially when traveling. Drinking enough water can promote healthy digestion and prevent constipation, which is a common issue after gallbladder surgery. Carry a refillable water bottle with you and make sure to drink enough fluids throughout your journey.
• Take it easy: Traveling can be physically demanding, so it is important to listen to your body and take breaks when needed. Avoid lifting heavy bags or engaging in strenuous activities that could strain your abdominal muscles. Give yourself permission to rest and relax during your trip to allow for optimal healing.
• Carry necessary medications and medical documentation: It is essential to bring any prescribed medications with you when traveling. Ensure that you have an adequate supply of pain medication or any other medications you are taking post-surgery. Additionally, carry a copy of your medical records, including your surgeon's contact information, in case of any emergencies or need for medical assistance during your trip.

While these tips can help make your travel after gallbladder surgery more comfortable, it is important to remember that everyone's recovery is unique. It is advisable to follow your surgeon's guidance and listen to your body throughout the journey. If you experience any severe pain, excessive bloating, or any other concerning symptoms, seek medical attention immediately.

Overall, with proper preparation and consideration, traveling after gallbladder surgery can still be enjoyable and manageable. Take the necessary precautions and prioritize your well-being to ensure a smooth recovery while exploring new destinations.

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After undergoing gallbladder surgery, it is important to take certain precautions while traveling to ensure a smooth recovery. Here are some guidelines to follow:

• Consult your doctor: Before planning any trips, make sure to consult your doctor to ensure that you are medically fit to travel. They will be able to assess your condition and advise you on how soon you can start traveling.
• Choose a comfortable mode of transportation: Opt for a transportation mode that provides you with comfort and convenience. If you are traveling by air, consider booking an aisle seat to have easier access to the restroom. If you are driving, take breaks frequently to stretch and avoid sitting for long periods of time.
• Pack essential medications: Make sure to pack all your necessary medications in your carry-on bag. It is important to have all prescribed medications with you in case of any emergencies or unexpected delays during your journey. Additionally, carry a copy of your medical records in case you need to visit a healthcare professional while traveling.
• Maintain proper hydration: Proper hydration is crucial for a healthy recovery. Drink plenty of water throughout your journey to prevent dehydration. Avoid excessive consumption of caffeinated or carbonated beverages, as they may cause discomfort or worsen symptoms like bloating or gas.
• Eat small, frequent meals: After gallbladder surgery, your body may take some time to adjust to digesting fatty foods. It is advisable to eat small, frequent meals instead of large and heavy ones to aid in digestion. Plan your meals in advance and stick to a diet that includes easily digestible foods.
• Avoid heavy lifting or strenuous activities: Traveling often involves carrying heavy bags or luggage. However, it is essential to avoid heavy lifting or any strenuous activities that may strain your abdominal muscles. This precaution will help prevent any complications or discomfort during your trip.
• Take frequent breaks and rest: Listen to your body and take regular breaks during your journey to rest and stretch. Sitting for long periods of time in one position may cause discomfort or increase the risk of developing blood clots. Taking short walks or performing simple stretching exercises can improve circulation and prevent stiffness.
• Choose accommodations with amenities: When planning your trip, opt for accommodations that offer amenities such as elevators or ground-floor rooms to minimize physical exertion. This will help reduce the strain on your body during your stay.
• Be prepared for unexpected situations: While traveling, it is important to be prepared for any unexpected situations that may arise. Carry a first aid kit, including any necessary supplies for wound care or pain relief. Familiarize yourself with nearby medical facilities at your travel destination in case of emergencies.
• Listen to your body: Finally, and perhaps most importantly, listen to your body. If you experience any discomfort, pain, or unusual symptoms during your journey, take immediate action. Rest, seek medical attention if necessary, and reschedule or cancel your travel plans if advised by your healthcare provider.

By following these precautions, you can help ensure a safe and comfortable journey after gallbladder surgery. Remember to prioritize your health and well-being during your recovery period.

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Gallbladder surgery, also known as cholecystectomy, is a common procedure performed to remove the gallbladder. This surgery is usually performed to treat symptoms caused by gallstones or other conditions affecting the gallbladder. After undergoing this surgery, many patients wonder if it is safe to travel by plane.

The answer to this question depends on a few factors, including the type of surgery you had and how well you're recovering. In general, most people can safely travel by plane within a few weeks of having their gallbladder removed. However, it's important to follow your doctor's advice and consider any potential risks.

Here are a few considerations to keep in mind when considering air travel after gallbladder surgery:

• Healing time: It takes time for your body to heal after any surgery, including gallbladder surgery. Your doctor will typically recommend avoiding strenuous activities, including air travel, for a certain period of time. This is to ensure that your incisions have fully healed and any potential complications have been addressed.
• Pain and discomfort: After gallbladder surgery, some patients experience pain and discomfort, especially during long periods of sitting or in cramped spaces. Air travel often involves long periods of sitting in a confined space, which can exacerbate these symptoms. It's important to listen to your body and only travel when you feel well enough to do so comfortably.
• Risk of blood clots: Air travel carries a small risk of deep vein thrombosis (DVT), a condition where blood clots form in the legs. This risk is increased during long flights or if you have underlying medical conditions that increase your risk of blood clots. Be sure to discuss your travel plans with your doctor, especially if you have any risk factors for DVT.
• Follow-up care: If you're planning to travel after gallbladder surgery, make sure you arrange for any necessary follow-up care at your destination. This may include scheduling appointments with local healthcare providers or having access to medical facilities in case of emergency. It's important to have a plan in place to ensure your continued recovery and well-being while traveling.

In conclusion, most people can safely travel by plane after gallbladder surgery, but it's important to consider factors such as healing time, pain and discomfort, and any potential risks associated with air travel. Always consult with your doctor before making any travel plans, and ensure you have a plan in place for follow-up care while traveling. With proper precautions and guidance, you can safely enjoy your post-surgery travels.

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Gallbladder surgery, also known as cholecystectomy, is a common procedure performed to remove the gallbladder. After undergoing this surgery, it is important to take certain precautions and avoid certain destinations and activities to ensure a smooth recovery process.

One of the main destinations to avoid after gallbladder surgery is high-altitude locations. The decrease in oxygen levels at high altitudes can lead to shortness of breath and altitude sickness, which can be particularly dangerous for individuals who have just undergone surgery. It is recommended to avoid destinations above 8,000 feet for at least six weeks after surgery to allow the body enough time to fully recover.

Another destination to avoid after gallbladder surgery is areas with poor medical facilities. In case of any complications or emergencies, it is crucial to have access to adequate medical care. It is advisable to research and choose destinations with well-equipped hospitals and healthcare facilities, especially during the initial stages of recovery.

Certain activities should also be avoided in the aftermath of gallbladder surgery. These include heavy lifting, strenuous exercises, and activities that strain the abdominal muscles. The surgery site needs time to heal, and engaging in such activities can lead to complications and delay the recovery process. It is recommended to refrain from these activities for at least six weeks after surgery, or until the surgeon gives the green light.

Moreover, activities that involve a high risk of falls or accidents should also be avoided. This includes extreme sports, activities that require balancing on unstable surfaces, and any other activities that pose a risk of injury. It is important to prioritize safety and prevent any potential harm to the body during the healing process.

In addition to destinations and activities to avoid, it is important to follow a proper diet after gallbladder surgery. Since the gallbladder plays a role in the digestion of fats, it is common for individuals to experience difficulty digesting fatty foods after the surgery. It is advisable to avoid or limit the intake of high-fat and greasy foods, and instead opt for a diet that is low in fat and high in fiber. This will aid in a smoother digestion process and prevent any discomfort or complications.

Overall, after undergoing gallbladder surgery, it is important to take certain precautions and make informed decisions regarding destinations and activities. Avoiding high-altitude locations, areas with poor medical facilities, strenuous activities, and high-fat foods will contribute to a quicker and smoother recovery process. It is always advisable to consult with the surgeon and follow their instructions for a successful post-surgery recovery.

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Frequently asked questions.

It is generally recommended to wait at least 1-2 weeks after gallbladder surgery before embarking on any long-distance travel. This allows enough time for the body to heal and reduces the risk of complications during the journey.

While there are no specific travel restrictions imposed after gallbladder surgery, it is important to listen to your body and avoid any activities that cause discomfort or strain. It is also advisable to avoid heavy lifting or strenuous activities for a few weeks post-surgery to aid in the healing process.

When traveling after gallbladder surgery, it is recommended to pack any necessary pain medication or supplies that may be needed during the journey. It is also advisable to take breaks and stretch during long periods of sitting or standing to prevent blood clots. Staying hydrated and eating small, frequent meals can help manage any digestive issues that may arise during travel.

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Policy Summary:

3 Options available including: Cruise Cover Option, Winter Sports Cover Option, Sports Travel Insurance... see all

Why Choose Able2Travel?

• Specialists in travel insurance for people with existing medical conditions
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Gallstones Travel Insurance

Able2Travel Gallstones Travel Insurance

Gallstones is a common condition where small stones, often made up of cholesterol, form in the Gallbladder. Gallstones often don’t show any symptoms. However, when they do, it can often cause an intense pain in your abdomen for 1 to 5 hours.

When Gallstones cause complications, it is known as Gallstone disease or Cholelithiasis.

If you currently have or have previously been diagnosed with Gallstones and are planning a trip, you may want to purchase Able2Travel’s Gallstones travel insurance to provide extra protection and peace of mind whilst you’re away.

Similarly if you are at risk of Gallstones, for instance due to family history or you have diabetes, then appropriate travel insurance could be a good idea, due to there being potentially no symptoms, which could be expensive if you require medical treatment abroad for Gallstones.

Able2Travel Travel Insurance provides a simple and affordable travel insurance solution when purchasing Single Trip and Annual Multi-Trip Gallstones travel insurance. Gallstones related complications can be tough and scary to go through, especially in a foreign country. So, sit back, relax and enjoy your holiday safe in the knowledge that should the unforeseen happen, Able2Travel are here to help.

Are You Looking for Travel Insurance While On A Waiting List?

If you’re currently on a waiting list for treatment or surgery for a diagnosed medical condition, this doesn’t necessarily mean you can’t or shouldn’t travel. Here at Able2Travel, there’s a strong possibility that we may be able to find you a Travel Insurance solution, so you can travel with peace of mind while on a waiting list.

We may even be able to find you cover just in case you have to cancel or end your holiday early, due to a change of date for your treatment or surgery, which many other insurance providers simply can’t offer.

To get a quote for Travel Insurance while on a waiting list for medical treatment, please contact Able2Travel on  +44 (0)1483 806 826  to speak with one of our specialists.

Gallstones Travel Insurance - What is Covered?

Our Gallstones travel insurance policies offers extensive protection for your trip including a wide range of travel policy benefits such as:

• Trip Cancellation - up to £5,000
• Emergency Medical Cover – up to £10 million
• Baggage - up to £3,000
• Travel Delay & Missed Departure - up to £1,000
• Travel Accident - up to £20,000

Other Areas of Cover Included as Standard

• Cover for 1,000s of Medical Conditions
• Cruise Cover
• Loss of Travel Documents - up to £500
• Plus so much more...

Additional Cover Available

• Optional Sports Cover
• Additional Cover for your cruise - including missed port cover

Click here to see the full Able2Travel Travel Insurance Table of Benefits.

Able2Travel Travel Insurance has over 15 years of experience in finding travel cover for senior travellers or travellers with medical conditions. So, whether you are looking for holiday insurance for diabetes, heart disease or for another medical problem such as a Gallstones, you can be assured of receiving a fast, sensitive and competitively-priced travel insurance solution for your travel plans.

What COVID Cover Is Available on Able2Travel Travel Insurance For Those With Medical Conditions?

All our Able2Travel Medical Condition Travel Insurance policies include Coronavirus (COVID-19) cover at no additional cost. However, our policy will ONLY provide cover for claims directly or indirectly related to a pandemic and/or epidemic, including but not limited to Coronavirus (COVID-19) within the following sections:

• Section A – Trip Cancellation
• Section B – Trip Interruption
• Section C – Travel Delay & Missed Departure
• Section F – Emergency Medical Cover/Dental Cover Abroad
• Section G - Emergency Transportation

You can find full details of what is and isn't covered in relation to Coronavirus within the policy wording .

Click the “Get a Quote” button to get specialist medical travel insurance with COVID cover to protect your holiday.

Gallstones Travel Insurance - Policy Features

Able2Travel Travel Insurance offers 3 levels of travel insurance cover for both Single Trip and Annual Multi-trip travel insurance policies, enabling you to pick a policy that is suited for your individual needs.

The Able2Travel Travel Insurance policy features table below will help you understand the different features on Single and Annual Multi-Trip travel insurance policies depending on the level of travel cover that you choose.

*Available to extend to 45 days or 60 days for an additional premium.

**Available to extend to 45 days for an additional premium.

If you would like to contact us either email us at: [email protected] , or call us on +44 (0)1483 806 826 .

How do I get a Gallstones Travel Insurance Quote?

It’s quick and easy to get an Able2Travel Travel Insurance quote for Gallstones: just click the  ‘Get a Quote’ button  to get a Gallstones Travel Insurance quote online, or if you prefer to speak with someone then you can call our travel insurance team direct on  01483 806 826 .

All Gallstones travel insurance enquiries are dealt with on a case-by-case basis. In addition to the Able2Travel Travel Insurance policy, our travel insurance specialists have access to a wide range of travel insurance options and will assist you in finding travel insurance cover for all medical conditions including Gallstones. The Able2Travel Travel Insurance policy is used whenever possible and a suitable alternative travel insurance policy may be offered for more serious health problems, so you can find the travel cover you need for a Gallstones with one call to Able2Travel Travel Insurance.

For a Gallstones Travel Insurance quote please call 01483 806 826 or click the button below!

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Add Optional Cruise Cover to your Able2Travel Travel Insurance policy to include specific cruise related cover for Missed Port, Cabin Confinement, Low/High Water, Shore Excursions, and Denied Boarding.

Winter Sports Cover will provide protection for lost, damaged or stolen ski equipment whether its owned or hired, and cover in place should you miss any prepaid activities.

Add the Sports Cover Option to your Able2Travel Travel Insurance policy if you plan on taking part in sports whilst on your trip, including Golf!

Important Information for Customers with Serious Medical Conditions

MoneyHelper has developed a directory of specialist travel insurance to ensure customers with pre-existing medical conditions are easily able to obtain access to affordable travel insurance. If we are unable to help you and you are struggling to find medical cover that suits your needs, due to a serious medical condition, you may find a company that can help you through the MoneyHelper travel insurance directory www.moneyhelper.org.uk/en/everyday-money/insurance/travel-insurance-directory  or by calling 0800 138 7777 - Monday to Friday, 8am – 6pm. 

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Pre-Existing Medical Condition Travel Insurance

Compare cover from as little as £8.75*.

Tommy has over 15 years experience within the insurance industry, and his primary focus is helping travellers find the right cover for their medical conditions.

Why do you need travel insurance for pre-existing conditions?

Going on holiday can be a costly expense, which is why it’s important to get covered for your pre-existing medical conditions before travelling. With Medical Travel Compared , travel insurance with medical conditions isn't too far away. 

If anything happens as a result of your condition while travelling, this type of travel insurance enables you to claim - providing you with the peace of mind to enjoy your holiday knowing you’re protected. 

Despite the fact that many standard policies will include medical coverage, more often than not - this won’t extend to claims relating to undisclosed medical conditions. In fact, a recent study found that only 1 in 5 people understood the need to disclose a pre-existing condition.

Failing to disclose pre-existing medical conditions carries many risks if you end up needing to claim as a result of a pre-existing medical condition. It's essential to arrange specialist travel insurance for existing conditions with the correct cover.

Depending on the type of medical condition you have, finding specialist providers to cover you can be challenging and expensive. This is where Medical Travel Compared can help.

Our experienced team is on hand to help you compare the market for travel insurance with pre-existing medical conditions and take the money out of travelling with a medical condition.

Our simple online comparison tool helps you find affordable quotes in minutes, so you know you're getting the best travel insurance for medical conditions. Why not give it a try today? 

Specialist Medical Cover

We only work with providers who specialise in covering pre-existing conditions.

No discounts. No pressure. We’ll always show you the best prices from providers.

Medical screening for pre-existing conditions

With Medical Travel Compared, the process of disclosing your conditions when applying for holiday insurance with pre-existing conditions is very straightforward. 

You’ll be able to declare your conditions once you’ve entered a number of details regarding your trip - as well as selecting the type of policy you need, whether that’s for a single trip , or an annual multi-trip policy. 

It’s likely that you might be asked a few questions in relation to your condition before you proceed. This stage is called medical screening - and it enables travel insurance providers to get a better understanding of your medical background so that they can offer you the right type of cover.

For more information on declaring your pre-existing medical conditions and the online medical screening process, you can read our comprehensive guide.

What are pre-existing medical conditions?

This refers to any condition that existed before, or at the time you take out travel insurance for existing medical conditions. Essentially, you need to notify insurance providers about any conditions you’ve been previously diagnosed with in order to get the most suitable level of holiday insurance for medical conditions - and that’s where we come in!

You can declare your pre-existing conditions with us - and we’ll help you compare quotes for pre-existing medical travel insurance. Just bear in mind that insurance providers cannot provide cover for undiagnosed conditions.

There are over 2,000 conditions that can be covered by travel insurance that covers pre-existing medical conditions. Here are some of the most common forms of medical insurance we help people find:

• Travel Insurance for Allergies
• Travel Insurance for Anxiety
• Travel Insurance for Asthma
• Travel Insurance for Atrial Fibrillation
• Travel Insurance for Back Problems
• Travel Insurance for Breast Cancer
• Travel Insurance for Cancer
• Travel Insurance for COPD
• Travel Insurance for Crohn’s Disease
• Travel Insurance for Depression
• Travel Insurance for Diabetes
• Travel Insurance for Epilepsy
• Travel Insurance for Gallstones
• Travel Insurance for Heart Conditions
• Travel Insurance for Hernias
• Travel Insurance for High Blood Pressure
• Travel Insurance for HIV
• Travel Insurance for Lupus
• Travel Insurance for Multiple Sclerosis (MS)
• Travel Insurance for Prostate Cancer
• Travel Insurance for Skin Cancer
• Travel Insurance for Stroke

If any of the above apply to you - then you may need to declare them to compare the right travel insurance cover for you.

This especially applies if you have recently been diagnosed with the condition and are receiving treatment for it right now. That being said - not all conditions necessarily need to be declared. It often depends on what they are and when they occurred.

It’s also worth bearing in mind that we are unable to provide a quote for an undiagnosed medical condition that’s currently under investigation.

Dr Sarah answers your questions

Dr Sarah Jarvis is the Clinical Director of the Patient Platform, an active medical writer, broadcaster, and the resident doctor for BBC Radio 2.

Question: Is it safe to travel alone when I have a pre-existing medical condition?

That very much depends on what medical condition you have. For instance, if you have epilepsy or insulin-treated diabetes, you may have a seizure or become severely unwell in a very short space of time.

If you have COPD or arthritis, your mobility may be limited. In this case, it could be difficult for you to carry your luggage, board transfers, or get around.

In any of these situations, it may not be advisable for you to travel alone. You should certainly take all the precautions you would take at home and more to ensure you remain safe.

What does a pre-existing medical policy typically cover?

Holiday insurance for pre-existing medical conditions could offer coverage for a variety of different things, including:

• Lost, Stolen or Damaged Personal Belongings - this could include any medication you take abroad with you - so it’s an important benefit.  
• Emergency Medical Expenses and Repatriation - if you need emergency medical treatment abroad, the chances are you’ll end up paying a hefty price for it. The cost of repatriation (emergency return back to the UK) is also high.
• Cancellation and Curtailment - the insurance provider will cover you in the event of needing to cancel your holiday or cut it short for a certain reason (usually medical).
• Travel Delay - this won’t always be included, check with your provider.
• Personal Liability - if you cause accidental damage to another person or someone else’s property - cover is provided.

We work with over 30 leading providers to help you compare cover for over 2,000 medical conditions - so you can count on us to help you find what you need in no time.

Compare quotes and find the best cover for your condition

Why waste time and effort searching the internet for specialist cover when you can come straight to us? We enable you to compare travel insurance for pre-existing conditions, UK wide, from leading insurance providers all in one place.

The process couldn’t be any easier - and you’ll be able to start comparing cover against any pre-existing travel insurance you may have in minutes. 

Then, it’s time to get back to the exciting stuff… like planning your holiday!

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Frequently Asked Questions

A pre-existing condition is a diagnosed medical condition that existed before taking out a policy. We'll ask a series of questions about the medical history for you and any travellers on your quote. If you answer yes to any of these, you will need to tell us about the traveller's conditions. This could be a condition that a traveller has now or has had in the past. If you are not sure what conditions you need to declare, we have online support available to help you 24/7!

It is simple and quick to do! After you've told us about your trip details and answered some medical history questions you can add your pre-existing conditions, one by one, for each traveller. You'll only need to enter your details once, it's all online and there's no need to call, or provide details of your conditions in writing.

Once you've declared all of your relevant pre-existing medical conditions, we'll only show you quotes based on the conditions you have told us about.

* Price is based on 1 traveller aged 61, who has declared High Blood Pressure and is travelling to France for 7 nights. The price is correct as of April 2024. Prices may vary according to your individual requirements.

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If we're unable to help you find cover for a pre-existing medical condition , the Money Helper Directory has listings of companies that may be able to assist you. Further details can be found on their  website.

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Gallstones travel insurance

Gallstones are very common in the UK and shouldn't stop you from enjoying a trip away, Gallstones travel insurance by AllClear covers pre-existing medical conditions, medical emergencies and cancellations. For peace of mind on your travels, get a quote today!

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Can you get travel insurance if you have gallstones, travel insurance for gallstones, gallstones travel tips.

Gallstones travel insurance covers you if you’re living with gallstones and wish to travel with peace of mind. This type of insurance covers you for medical emergencies, even those related to COVID-19, which is vital to prevent unexpected medical bills and give you the support you need if you have any medical problems while you are on holiday.

Gallstones are very common in the UK. It’s estimated that more than 1 in every 10 adults living in the UK has gallstones. AllClear are specialists in providing gallstones travel insurance  as well as a wide range of other medical conditions .

It’s important to have the right travel insurance with gallstones and to ensure you’ve declared all of your medical conditions. That means you can travel knowing you’re fully covered if you do need medical treatment while you’re abroad.

AllClear holiday insurance with gallstones will cover you:

• To use a 24 hour emergency medical assistance service from your destination.
• To claim for any unexpected medical treatment.
• To claim for any replacement medication if yours were to be lost or damaged during your travels.

*Providers will vary, so do check the cover limits of the policy you intend to purchase.

Benefits of AllClear Cover

Yes! AllClear has covered over 1300 different medical conditions since 2000 and gallstones is one of them. All you need to do is declare your gallstones when going through our simple quote process to ensure your condition is covered.

Your doctor said you have ‘probable’ gallstones but it’s never been properly diagnosed, can you still get cover?

You must have been diagnosed with gallstones to get travel insurance for gallstones . We are unable to cover undiagnosed conditions. The best thing to do in this case would be to speak to your doctor and ask if they can confirm whether or not you have gallstones.

Simple 3 step quote process

1. call us or click a quote button on our site, 2. complete our simple medical screening process, 3. get your quotes.

AllClear offers quick comparisons and our simple online quote process allows you to compare quotes from the carefully selected providers on our panel.

24 hour medical assistance

If you have gallstones travel insurance, you should have access to a 24 hour emergency medical assistance service which you’ll be able to contact from your destination.

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Taking some extra time to plan your trip could really help you if you are travelling with gallstones . Check out Big Tick’s gallstone travel tips.

Got your own tips to share? Do let us know on Twitter or our Facebook page.

• You may want to seek medical advice before you travel to ensure you have any medication you need and enough to last the length of your trip (plus a few extra in case of damage or delays). Your doctor will be able to advise you on when to take your medication if you’re changing time zones.

Know your symptoms

• Complications with gallstones sometimes arise and may be made worse by changes in diet. Seek medical attention immediately  if you develop jaundice, an abdominal pain lasting longer than eight hours, a high temperature and chills or abdominal pain so intense that you cannot find a position to relieve it. Within your travel insurance policy, you should have access to a 24 hour emergency medical assistance service so make sure you have the details of this with you at all times.

Know your travel insurance policy

• Once you’ve bought your policy, be sure to keep your travel insurance policy documents with you plus it may be worth printing out a few extra copies for those you’re travelling with.

Be mindful about what you eat

• You may experience a flare up if you change your diet, so be sure to drink lots of bottled water while away. You might also want to avoid sugary foods and soft drinks, try to cut out fatty, greasy foods, and drink alcohol moderately.  You may want to ask your doctor what they recommend.
• You can still enjoy delicious local cuisine but you might want to opt for more natural whole foods to minimise risks of a flare up.
• If you’ve been told to avoid particular foods, it’s a good idea to have a list of these things translated into the language of the country you’re visiting so you can be sure to avoid them.

Travelling to your destination

• If you’re worried about feeling any discomfort throughout the flight, make your airline aware that you may need your medication and pain killers on you at all times.

Written by: Russell Wallace | Travel Insurance Expert Last Updated: 22 August 2023

[1] Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 30,000 reviews as of January 2023.

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Why do i need to declare gallstones.

Gallstones are small, solid deposits found in the gallbladder, and in most cases do not cause symptoms or need to be treated at all. They are extremely common, however can cause complications such as inflammation of the gallbladder, or they can trigger sudden and intense attacks of abdominal pain. If you’ve been diagnosed with gallstones, it may be difficult to find suitable medical travel insurance. Although you may not experience any effects or symptoms from this condition, you will need to disclose it when applying for travel insurance to ensure that you are protected for your trip against any possible related circumstances. Before organising any travel plans, always check with your doctor or consultant that you are fit to travel. You should also ensure that you have a Global Health Insurance Card (GHIC), or valid European Health Insurance Card (EHIC) if you are intending to travel within Europe.

How am I covered for gallstones under medical travel insurance?

A travel insurance policy covering gallstones gives you access to medical assistance if you are unwell while travelling. There is an emergency medical helpline which runs 24/7, and gives you access to a multilingual medical team who can speak to medical professionals on your behalf. The medical expenses section of a policy commonly also covers you for additional expenses incurred, such as ambulance or hospital admission costs, alongside repatriation to the UK. This would be for your gallstones and other declared pre-existing conditions, in addition to unforeseen medical emergencies. Under the terms of a medical travel insurance policy, you would also be able to make a claim for cancellation if you are unable to travel for these reasons too. Please be aware that different insurers offer different levels of cover, and you should check the cover limits of the policy prior to purchase.

Who can cover me for gallstones and how do I find cover?

Our online medical screening makes it easy to compare travel insurance that covers pre-existing medical conditions at direct-travel.co.uk. Please note that if you are on a waiting list for investigation or treatment for gallstones, some insurers are unable to offer you a quote until such treatment is completed. Entering your details online requires you to answer some questions in relation to your gallstones and any other pre-existing medical conditions. Such questions might need answers relating to treatment, medication, surgeries, or associated complications. Your answers to these questions allow us to assess your immediate health situation, and from here we can provide you with travel insurance quotes providing cover which is correct for you.

You may find the below links useful for information regarding your condition. Information from this webpage has been collected from the following sources:

• Gallstones - NHS
• Gallstones | Symptoms, Causes & Treatment | Guts UK

In need of assistance?

Our medical travel insurance team are ready to provide you with assistance regarding your quote. If you would prefer to talk to an advisor to receive a quote or have a query please contact our UK based customer service team. Find out details on our contact us page .

Medical travel insurance is an online comparison website for those with pre-existing medical conditions requiring travel insurance. Medical travel insurance www.medicaltravelinsurance.co.uk is a trading style of Brokersure Ltd. Brokersure is authorised and regulated by the FCA.

For more information regarding Medical Travel Insurance click here , alternatively phone or email us.

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Preparing for your appointment.

Tests and procedures used to diagnose gallstones and complications of gallstones include:

• Abdominal ultrasound. This test is the one most commonly used to look for signs of gallstones. Abdominal ultrasound involves moving a device (transducer) back and forth across your stomach area. The transducer sends signals to a computer, which creates images that show the structures in your abdomen.
• Endoscopic ultrasound (EUS). This procedure can help identify smaller stones that may be missed on an abdominal ultrasound. During endoscopic ultrasound (EUS) your doctor passes a thin, flexible tube (endoscope) through your mouth and through your digestive tract. A small ultrasound device (transducer) in the tube produces sound waves that create a precise image of surrounding tissue.
• Other imaging tests. Additional tests may include oral cholecystography, a hepatobiliary iminodiacetic acid (HIDA) scan, computerized tomography (CT), magnetic resonance cholangiopancreatography (MRCP) or endoscopic retrograde cholangiopancreatography (ERCP). Gallstones discovered using endoscopic retrograde cholangiopancreatography (ERCP) can be removed during the procedure.
• Blood tests. Blood tests may reveal infection, jaundice, pancreatitis or other complications caused by gallstones.

Endoscopic retrograde cholangiopancreatography

Endoscopic retrograde cholangiopancreatography (ERCP) uses a dye to highlight the bile ducts and pancreatic duct on X-ray images. A thin, flexible tube (endoscope) with a camera on the end is passed down your throat and into your small intestine. The dye enters the ducts through a small hollow tube (catheter) passed through the endoscope.

More Information

• Abdominal ultrasound

Most people with gallstones that don't cause symptoms will never need treatment. Your doctor will determine if treatment for gallstones is indicated based on your symptoms and the results of diagnostic testing.

Your doctor may recommend that you be alert for symptoms of gallstone complications, such as intensifying pain in your upper right abdomen. If gallstone signs and symptoms occur in the future, you can have treatment.

Treatment options for gallstones include:

Surgery to remove the gallbladder (cholecystectomy). Your doctor may recommend surgery to remove your gallbladder, since gallstones frequently recur. Once your gallbladder is removed, bile flows directly from your liver into your small intestine, rather than being stored in your gallbladder.

You don't need your gallbladder to live, and gallbladder removal doesn't affect your ability to digest food, but it can cause diarrhea, which is usually temporary.

Medications to dissolve gallstones. Medications you take by mouth may help dissolve gallstones. But it may take months or years of treatment to dissolve your gallstones in this way, and gallstones will likely form again if treatment is stopped.

Sometimes medications don't work. Medications for gallstones aren't commonly used and are reserved for people who can't undergo surgery.

Laparoscopic cholecystectomy

Special surgical tools and a tiny video camera are inserted through incisions in your abdomen during laparoscopic cholecystectomy. Your abdomen is inflated with carbon dioxide gas to allow room for the surgeon to work with surgical tools.

• Cholecystectomy (gallbladder removal)

Get the latest health information from Mayo Clinic delivered to your inbox.

• Gallbladder cleanse: A 'natural' remedy for gallstones?

Start by seeing your family doctor or a general practitioner if you have signs or symptoms that worry you. If your doctor suspects you may have gallstones, you may be referred to a doctor who specializes in the digestive system (gastroenterologist) or to an abdominal surgeon.

Because appointments can be brief, and because there's often a lot of information to cover, it's a good idea to be well prepared. Here's some information to help you get ready, and what to expect from your doctor.

What you can do

• Be aware of any pre-appointment restrictions. At the time you make the appointment, be sure to ask if there's anything you need to do in advance, such as restrict your diet.
• Write down any symptoms you're experiencing, including any that may seem unrelated to the reason for which you scheduled the appointment.
• Write down key personal information, including any major stresses or recent life changes.
• Make a list of all medications, vitamins or supplements that you're taking.
• Take a family member or friend along. Sometimes it can be difficult to understand all the information provided during an appointment. Someone who accompanies you may remember something that you missed or forgot.
• Write down questions to ask your doctor.

Your time with your doctor is limited, so preparing a list of questions will help you make the most of your appointment. For gallstones, some basic questions to ask your doctor include:

• Are gallstones the likely cause of my abdominal pain?
• Is there a chance that my symptoms are due to something other than gallstones?
• What kinds of tests do I need?
• Is there a chance that my gallstones will go away without treatment?
• Do I need gallbladder removal surgery?
• What are the risks of surgery?
• How long does it take to recover from gallbladder surgery?
• Are there other treatment options for gallstones?
• Should I see a specialist? What will that cost, and will my insurance cover it?
• I have these other health conditions. How can I best manage them together?
• Are there brochures or other printed material that I can take with me? What websites do you recommend?

What to expect from your doctor

Your doctor may ask:

• When did you first begin experiencing symptoms?
• Are your symptoms related to eating?
• Have your symptoms ever included a fever?
• Have your symptoms been continuous or occasional?
• How severe are your symptoms?
• How long do your symptoms last?
• What, if anything, seems to improve your symptoms?
• What, if anything, appears to worsen your symptoms?

Aug 20, 2021

• Cholelithiasis. Merck Manual Professional Version. https://www.merckmanuals.com/professional/hepatic-and-biliary-disorders/gallbladder-and-bile-duct-disorders/cholelithiasis. Accessed June 16, 2021.
• Gallstones. National Institute of Diabetes and Digestive and Kidney Diseases. https://www.niddk.nih.gov/health-information/digestive-diseases/gallstones?dkrd=hispt0204. Accessed June 16, 2021.
• Gallstones. American Gastroenterological Association. https://gastro.org/practice-guidance/gi-patient-center/topic/gallstones/. Accessed June 16, 2021.
• Feldman M, et al., eds. Gallstone disease. In: Sleisenger and Fordtran's Gastrointestinal and Liver Disease: Pathophysiology, Diagnosis, Management. 11th ed. Elsevier; 2021.https://www.clinicalkey.com. Accessed June 16, 2021.
• Rajan E (expert opinion). Mayo Clinic, Rochester, Minn. July 22, 2019.
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Medical travel insurance, seniors travel insurance, europe travel insurance, worldwide travel insurance, coronavirus travel insurance, gallstones travel insurance.

• Unlimited medical emergency expenses¹
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Travel insurance for people with gallstones

Gallstones affect about 10-15% of the UK population according to  a study carried out at Aberdeen University . According to the NHS,  gallstones  are small stones, usually formed of cholesterol in the gallbladder. In most cases they don’t cause any symptoms or require treatment, but they can trigger an intense and sudden abdominal pain.

We understand that insuring a medical condition can be frustrating, and we want to make it as easy as possible for you to get travel insurance . So, if you are suffering with gallstones and are concerned about whether travel insurance will be able to cover you and your medical condition, or you’ve had trouble getting covered in the past, we may be able to help you.

One of the things that means we stand out from the crowd is that we will consider all medical conditions . Simply get a quote online or  contact us  to go through our simple medical screening process.

What does gallstones travel insurance cover?

We’ll do our best to find a policy that’s suited to your needs. Like all of our travel insurance policies, our gallstones travel insurance cover will include a number of great features as standard, including:

• Holiday cancellation cover
• Passport, money and documents cover
• Delayed departure cover
• Personal accident cover
• Accommodation cover
• Cover for over 50 sports and activities
• Medical and hospital expenses cover (including expenses related to any medical conditions you have declared and have been covered by us)

For more information on what’s covered with our travel insurance for people with existing medical conditions including gallstones, have a read of our  policy documents . And if you have another medical condition, for example,  epilepsy , we can help with that as well!

And if you still can’t find what you’re looking for, why not  get in touch  with us and we’ll try to help.

Please note: ‘gallstones travel insurance’ is a general term for one of our standard travel insurance policies including cover for other health conditions, which is subject to medical screening and may require an additional premium. We don’t offer specialist cover for this specific condition.

• Unlimited emergency medical expenses available on Black level policies.
• Based on 2,050 responses, correct as of 22/01/2024

Can I Get Travel Insurance With Gallstones?

Travel insurance can be a lifesaver in the face of medical emergencies while travelling. But it can be difficult to know what policy is right for you. If you have gallstones, you may be wondering if you can get travel insurance to cover any medical costs that may arise during your travels.

The good news is that many travel insurance policies will cover gallstones, but it’s important to read the fine print and make sure that your policy covers any medical costs associated with gallstones or any other pre-existing conditions. Most travel insurance policies will only cover acute gallstone attacks, meaning that they may not cover the cost of treatment for an existing condition like gallbladder disease or surgery for gallstones.

If you are considering taking out a travel insurance policy and have gallstones, it’s important to disclose this information to your insurer so that they can assess your risk and provide the best coverage for you. In some cases, insurers may require additional information such as a doctor’s certificate or further tests before they are willing to provide cover.

It’s also important to consider the type of coverage you need when selecting a travel insurance policy with gallstones. Most policies will offer coverage for emergency medical expenses if you need treatment while abroad, as well as trip interruption and cancellation coverage in case of an unexpected illness or injury caused by your condition. Some policies may even offer coverage for lost or stolen items and personal liability if you are sued due to your condition.

When selecting a policy, make sure that it includes coverage for pre-existing conditions like yours so that you can be covered in case of an emergency while travelling. It’s also important to check the exclusions section of the policy to make sure that any treatments related specifically to your condition are not excluded from cover.

Conclusion:

10 Related Question Answers Found

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Table of Contents

What travel insurance covers

How much does travel insurance cost, types of travel insurance, how to get travel insurance, what to look for in travel insurance, best travel insurance comparison sites, which insurance company is best for travel insurance, when to skip travel insurance, travel insurance, recapped.

Travel insurance can cover medical expenses, emergencies, trip interruptions, baggage, rental cars and more.

Cost is affected by trip length, pre-existing medical conditions, depth of coverage, your age and add-ons.

You can get it through credit cards or third-party companies, & can shop on travel insurance comparison sites.

Before buying, evaluate risks, know existing coverage, obtain quotes online and review policy details warily.

Skip it if you buy flexible airfare and hotels, already have coverage or only book refundable activities.

Booking travel always carries some degree of uncertainty. Travel insurance provides a safety net so you can step out with confidence. You may not need travel insurance for inexpensive trips, but it can provide a sense of security when you prepay for pricey reservations, a big international trip or travel during cold and flu season, which can be unpredictable.

According to insurance comparison site Squaremouth, travelers in 2023 spent an average of $403 for comprehensive coverage, compared to $96 for medical-only policies. Comprehensive plans typically cost between 5% and 10% of the insured trip cost.

Since that price tag is no small amount, it helps to know how to shop smart for travel insurance. Here's how to find the right travel insurance plan for you and your next adventure.

Depending on the type of coverage you’re looking for, the chart below will help you determine what to look for when selecting a policy:

Depending on the policy, travel insurance reimburses you or offers services when something goes awry. There’s even coverage for the worst-case scenario: if you die in an accident while traveling. Accidental death coverage pays your beneficiary a lump sum in that case.

Before you buy, take a little time to get familiar with different types of travel insurance products, how it’s priced, and what it covers and excludes. If you’re traveling during these uncertain times, you’ll want to make sure that the policy you select covers coronavirus-related emergencies. Usually, the more thorough the coverage, the more it will cost.

Travel insurance costs vary depending on:

Length and cost of the trip: The longer and more expensive the trip, the higher the policy cost.

Cost of local health care: High health-care costs in your destination can drive up the price of trip insurance.

Medical conditions you want covered: Conditions you already have will increase the cost of travel insurance coverage.

Amount and breadth of coverage: The more risks a policy covers, the more it will cost.

Your age: Generally the older you are, the higher the price.

Any optional supplement you add to your policy : Cancel For Any Reason , Interrupt For Any Reason and more.

Keep these factors in mind when considering different travel insurance options.

You’ll find a wide selection of travel protection plans when you shop for a policy.

Typically, travel insurance is sold as a package, known as a comprehensive plan, which includes a variety of coverage.

Here are seven of the most common types of travel insurance:

Travel medical insurance

These plans provide health insurance while you’re away from home. Although in some ways these policies work like traditional health plans, generally you cannot use travel health insurance for routine medical events. For example, a routine medical checkup is usually not covered. In addition, these policies often include limitations on coverage and exclusions for pre-existing conditions.

Although most travel insurance plans cover many recreational activities, such as skiing and horseback riding, they often exclude adventure sports, such as skydiving or parasailing, or competition in organized sporting events. You may need to buy a special travel policy designed for adventure or competitive sports.

International travel insurance

Most likely, your U.S.-based medical insurance will not work while you’re traveling internationally, and Medicare does not provide any coverage once you leave the United States outside of a few very specific exemptions. If you plan on traveling abroad, purchasing travel medical insurance could make a lot of sense.

» Learn more: Travel medical insurance: Emergency coverage while you travel internationally

Trip cancellation, interruption and delay

Trip cancellation coverage reimburses you for prepaid, nonrefundable expenses if the tour operator goes out of business or you have to cancel the trip for one of the covered reasons outlined in the policy, such as:

Your own illness.

The illness or death of a family member who’s not traveling with you.

Natural disasters.

Trip interruption insurance covers the nonrefundable cost of the unused portion of the trip if it is interrupted due to a reason outlined in the policy.

Trip delay coverage reimburses you for expenses such as lodging and meals if you’re delayed during a trip (e.g., your flight gets canceled due to weather ).

Many package policies cover all three. These policies are different from the cancellation waivers that cruise lines and tour operators offer, the Insurance Information Institute says. Waivers are cheap, ranging from $40 to $60, and often include restrictions. For example, according to the institute, waivers might not refund your money if you cancel immediately before departure. Waivers are technically not insurance policies.

Some companies offer additional layers of coverage at extra cost. “Cancel For Any Reason” coverage will reimburse a large part of the trip cost, no matter why you back out. And some companies let you pay extra to cover pre-existing conditions if you cancel for medical reasons.

Some insurers and comparison sites let you customize a policy by choosing types of coverage a la carte. For example, TravelInsurance.com is a comparison site that provides quotes from different providers.

Baggage and personal belongings

How does lost luggage insurance work? This coverage reimburses you for baggage and personal belongings that are lost, stolen or damaged during the trip. Some plans also reimburse you for extra expenses if you experience a baggage delay for more than a certain period, such as 12 hours.

Your renters or homeowners insurance may cover personal belongings while you are traveling. It’s best to review your homeowners insurance policy to determine the level of coverage it provides so you do not end up paying for a benefit you already have.

» Learn more: Baggage insurance explained

Emergency medical assistance, evacuation and repatriation

This coverage pays medical expenses if you get sick or injured on a trip . Medical evacuation coverage pays for transporting you to the nearest hospital, and medical repatriation pays for flying you to your home country.

» Learn more: Can I get travel insurance for pre-existing medical conditions?

24-hour assistance

This service is included with many package plans. The insurer provides a 24-hour hotline that you can call when you need help, such as booking a flight after a missed connection, finding lost luggage, or locating a doctor or lawyer.

Generally, travel insurance companies do not cover sports or any activity that can be deemed risky. If you’re thinking of incorporating adventurous activities into your vacation, choose a plan that includes adventure sports coverage.

Most travel insurers cover a wide array of services, but the specific options vary. Some plans include concierge services, providing help with restaurant referrals, tee time reservations and more. Many services also offer information before the trip, such as required vaccinations. The only way to know what’s included is to read the policy.

» Learn more: Should you insure your cruise?

Accidental death and dismemberment insurance

This coverage pays a lump sum to your beneficiary, such as a family member, if you die in an accident while on the trip. Accidental death and dismemberment insurance policies also pay a portion of the sum to you if you lose a hand, foot, limb, eyesight, speech or hearing. Some plans apply only to accidental death in a plane.

This coverage may be duplicative if you already have sufficient life insurance, which pays out whether you die in an accident or from an illness. You may also already have accidental death and dismemberment insurance through work, so it's best to check your policies to ensure you’re not overpaying.

» Learn more: NerdWallet's guide to life insurance

Rental car coverage

Rental car insurance pays for repairing your rental car if it’s damaged in a wreck, by vandals or in a natural disaster. The coverage doesn't include liability insurance, which pays for damage to other vehicles or for the medical treatment of others if you cause an accident and are held responsible.

Ask your car insurance company whether your policy will cover you when renting cars on the trip. U.S. car insurance policies generally don’t cover you when driving in other countries, except Canada.

Car insurance requirements are complex because they vary among countries. You can usually purchase liability insurance from the rental car company. Learn about car insurance requirements by searching for auto insurance by country on the U.S. Embassy website .

» Learn more: Best credit cards for rental car coverage

A note about single vs. long-term policies

Single trip insurance plans are a great option for those going on a single trip for a specific length of time (e.g., a two-week vacation) and then returning home. The price of the policy is usually determined by the cost of the trip.

Long-term travel policies cover you for multiple trips, but there are limitations to how long you can be away from home, if you can return home during your travels and how many trips you can take. In addition, trip cancellation and interruption coverage is either not offered or capped at a dollar amount that can be significantly below the total cost of all the trips taken during the covered period.

Long-term travel insurance plans — often called 'multi-trip' or 'annual travel insurance' — are a suitable option for those who travel often and are satisfied with the amount of trip cancellation coverage for all the trips they take over the duration of the policy.

» Learn more: How annual (multi-trip) travel insurance works

Below, we include how to obtain travel insurance, along with the pros and cons of each option.

Some credit cards offer trip cancellation and rental car insurance if you use the card to book the trip or car.

When you book a trip with your credit card, depending on the card you use, you may already receive trip cancellation and interruption coverage.

» Learn more: 10 credit cards that provide travel insurance

Here are a handful of credit cards that offer varying levels of travel insurance coverage for purchases made with the card.

on American Express' website

on Chase's website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Travel accident: Up to $500,000.

• Rental car insurance: Up to $75,000.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Travel accident: Up to $1 million.

• Rental car insurance: Up to the actual cash value of the car.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

Pros: Coverage is free.

Cons: You can’t customize the insurance to meet your needs. Most credit cards offer secondary car rental insurance, which pays for the costs not covered by your regular car insurance plan.

Travel agents and travel reservation sites

You can buy travel insurance when you book your flight, hotel and car rental.

Pros: Buying is as quick and easy as clicking “yes” when you book reservations. Coverage is inexpensive.

Cons: You can’t customize the coverage.

» Learn more: Airline travel insurance vs. independent travel insurance

Travel insurance comparison sites

You can compare different policies and review quotes at once based on the trip search criteria you’ve input into the search form. Examples include marketplaces like Squaremouth or TravelInsurance.com.

Pros: You can choose a policy that fits your needs and compare policies and pricing in one place.

Cons: Comparing multiple policies takes time.

Travel insurance companies

You can purchase travel insurance directly from an insurance provider.

Pros: You can choose a policy that fits your needs. Many travel insurer websites also offer information to help you understand the coverage.

Cons: You’ll need to go to multiple websites to compare coverage and pricing.

» Learn more: The best travel insurance companies right now

Keep these tips in mind when you’re considering a trip insurance policy.

Evaluate the financial risks you face when traveling. Can you bear those costs yourself, or do you want insurance?

Examine what coverage you already have: Does your credit card offer travel insurance? Do you have renters or homeowners insurance to cover belongings? What is the deductible? Will your health plan cover you in all the locations where you travel?

Get quotes for trip insurance online. Choose a package of the benefits you need and compare prices for similar coverage among carriers.

Narrow your choices and then read the policy fine print to understand what’s covered, what’s excluded and the limits on coverage. You may find that the lowest-priced policy is too restrictive and that paying a little more gets you the coverage you need. Or you might find that the cheapest, most basic policy fits the bill.

If you don’t know which provider to go with, it makes sense to browse a list of plans on a travel insurance comparison site. These online marketplaces will often include plans from the best travel insurance companies along with customer reviews.

Squaremouth

Compare plans from more than 30 providers.

Over 86,000 customer reviews of insurers.

Under its Zero Complaint Guarantee, Squaremouth (a NerdWallet partner) will remove a provider if any customer complaint isn't resolved to its satisfaction.

Has a filter option to see policies that provide COVID-coverage.

TravelInsurance.com

Compare plans from 13 providers.

See good and poor customer ratings and reviews for each insurer when you receive quotes.

“Learning Center” includes travel insurance articles and travel tips, including important how-to information.

Quotes provided from each provider include a link to COVID-19 FAQs, making it easy for customers to review what’s covered or not.

InsureMyTrip

Compare plans from more than two dozen providers.

More than 70,000 customer reviews.

“Anytime Advocates” help customers navigate the claim process and will work on behalf of the customer to help with appealing a denied claim.

Includes a link to plans that offer COVID coverage.

Compare plans from 11 providers.

Search coverage by sporting activity, including ground, air and water sports.

Many types of plans available for students, visiting family members, new immigrants, those seeking COVID quarantine coverage and more.

Compare different insurance plans from 35 providers.

Over 5,600 customer reviews on Trustpilot, with an average 4.9 stars out of five.

Formerly known as AardvarkCompare, AARDY includes a “Travel Insurance 101” learning center to help customers understand various policies and benefits.

Quote search results page includes COVID-coverage highlighted in a different color to make it easier for customers to review related limits.

Whether you’re looking for an international travel insurance plan, emergency medical care, COVID coverage or a policy that includes extreme sports, these providers have you covered.

Our full analysis and more details about each organization can be found here: The Best Travel Insurance Companies Today .

Allianz Global Assistance .

Travel Guard by AIG .

USI Affinity Travel Insurance Services .

Travel Insured International .

World Nomads .

Berkshire Hathaway Travel Protection .

Travelex Insurance Services .

Seven Corners .

AXA Assistance USA .

There are a few scenarios when spending extra on travel insurance doesn't really make sense, like:

You booked flexible airline tickets.

Your hotel room has a good cancellation policy.

It's already included in your credit card.

You haven't booked any nonrefundable activities.

» Learn more: When you don't need travel insurance

Yes, especially for nonrefundable trips and travel during the COVID-era. Whether you purchase a comprehensive travel insurance policy or have travel insurance from your credit card, you shouldn't travel without having some sort of travel protection in place to safeguard you and your trip. Travel insurance can protect you in case of an unexpected emergency such as a canceled flight due to weather, a medical event that requires hospitalization, lost luggage and more.

There are many good travel insurance policies out there and a policy that may be great for you may not be good for someone else. Selecting the best plan depends on what coverage you would like and your trip details.

For example, World Nomads offers a comprehensive travel insurance policy that has excellent coverage for adventure sports. Allianz provides coverage for trips of varying lengths of time through its single trip plans and multi-trip plans. Some providers offer add-on options like Cancel For Any Reason travel insurance. If you’re not sure which plan to go with, consider looking at trip insurance comparison sites like Squaremouth or Insuremytrip.

Yes, you can. However, it's better to purchase it sooner rather than later, ideally right after booking your trip because the benefits begin as soon as you purchase a policy.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your trip cancellation benefits to get your nonrefundable deposit back.

Most comprehensive travel insurance plans offer trip cancellation, trip interruption, emergency medical and dental, medical evacuation, trip delay and lost luggage coverage. Many plans offer COVID coverage, but you’ll always want to check to ensure that the policy you choose provides that benefit if you’re traveling during these times. Some plans may also allow you to add features like Cancel For Any Reason travel insurance.

It depends which credit card you have. Premium travel cards like the Chase Sapphire Reserve® and The Platinum Card® from American Express offer travel insurance benefits if you book a trip using your card or points.

However, the coverage provided by the credit cards is usually lower than if you purchased a standalone policy. Review the travel insurance benefits on your credit card and check that the limits are adequate before foregoing from purchasing a separate plan.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your

trip cancellation benefits

to get your nonrefundable deposit back.

It depends which credit card you have. Premium travel cards like the

Chase Sapphire Reserve®

The Platinum Card® from American Express

offer travel insurance benefits if you book a trip using your card or points.

Unpredictability is one of the mind-opening joys of travel, but travel insurance should contain no surprises. The time you spend to understand your options will be well worth the peace of mind as you embark on your next adventure.

Whether you’re seeking a single or a long-term policy, each travel insurance option offers different strengths and weaknesses. Choosing the right policy depends on your trip needs, your budget and how important various benefits are to you.

Keep reading

If you want to dig in deeper to world of travel insurance, these resources will point you in the right direction.

What is travel insurance?

How much is travel insurance?

Is travel insurance worth it?

What does travel insurance cover?

Does travel insurance cover COVID?

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

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Oops... did you travel without insurance? Get cover with our Left UK policy  

Sebastian Strobel, M.D.

Gastroenterology & hepatology (digestive care), recent posts.

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Answers to 5 common questions about gallstones

• Gastrointestinal Health

Pouring warm maple syrup over freshly cooked waffles is a great way to start the morning. But you may be familiar with the crystallization that can occur with maple syrup. Similarly, hardening, or crystalizing, in digestive fluid deposits can form in the gallbladder causing gallstones .

1. What is the purpose of the gallbladder?

The gallbladder is a small, pear-shaped organ below the liver on the right side of your abdomen. The gallbladder holds digestive fluid, called bile, that's released into the small intestine, and that bile helps your body absorb fats, cholesterol and certain vitamins.

Of the several types of gallstones, the most common is the cholesterol gallstone, which develops due to too much cholesterol combining with bile. Cholesterol stones appear yellow in color.

The second type of gallstone is formed when bile contains too much bilirubin, a chemical produced when the body breaks down red blood cells, creating dark brown or black stones.

Rarer types of gallstones are calcium carbonate and fatty acid calcium stones.

2. Can I have gallstones if I don't have symptoms?

Two-thirds of people with gallstones do not experience any symptoms. Learning gallstones are present may be an incidental finding on an ultrasound performed for another diagnostic reason.

Gallstones that don't cause symptoms typically do not need treatment. Of people with gallstones, 15%‒25% may develop symptoms over the next 10‒15 years.

If gallstones lodge in a duct and cause a blockage, signs and symptoms can occur, and they will last from a few minutes to several hours.

Symptoms can include:

• Upper right quadrant pain in the abdomen
• Pain in the center of your abdomen, below the breastbone
• Back pain between the shoulders
• Pain in the right shoulder

These symptoms may increase 20‒30 minutes after eating.

3. What causes gallstones?

Many factors lead to the formation of gallstones, including:.

• Bile containing too much cholesterol or bilirubin
• Slow small bowel transit
• Bile becoming concentrated due to the gallbladder not emptying completely

4. Are women more likely to develop gallstones?

Gallstones are more likely to develop in certain people. Women are twice as likely as men to experience gallstones.

Other factors may increase your risk of gallstones, including:

• Being over 40
• Being overweight
• Being pregnant
• Having diabetes
• Having a family history of gallstones
• Losing weight rapidly
• Eating a high-fat diet
• Having Crohn's disease
• Having liver cirrhosis

5. If I have a gallbladder attack, will I need surgery?

People who experience symptoms from gallstones in the gallbladder typically require gallbladder removal surgery.

If the gallstones leave the gallbladder and block the bile duct ― a tube that connects the liver, gallbladder and small bowel ― a special endoscopy procedure, called endoscopic retrograde cholangiopancreatography, may be needed to remove the stones.

A right upper quadrant ultrasound can be performed to detect gallstones. An ultrasound detects stones better than a CT scan. An endoscopic ultrasound can detect even small stones in the bile duct and gallbladder. The presence of stones can be a reason to be evaluated by a gastroenterologist or surgeon for treatment. This may include removal of stones from the bile duct, placement of a stent or removal of the gallbladder ― called a cholecystectomy .

Gallstones also can still develop in the bile duct after a cholecystectomy.

You can reduce the risk of gallstones with simple steps:

• Don't skip meals. Be consistent with meal times each day. Skipping meals or fasting increases the risk of gallstones.
• Lose weight slowly. Aim to lose 1 or 2 pounds a week if you want to lose weight. Rapid weight loss increases the risk of gallstones.
• Eat a high-fiber diet including healthy fats. High-fiber foods include a variety of fruits and vegetables . Fish and nuts contain unsaturated, healthy fats.
• Maintain a healthy weight. Work to maintain a healthy weight through exercise  and good diet.

Talk with your health care provider about occasional or continuous symptoms that may be related to gallstones.

Sebastian Strobel, M.D. , specializes in gastroenterology and hepatology in La Crosse , Wisconsin.

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Travel insurance - gallstones

Thegallofher · 10/07/2018 21:38

We’ve just advised our insurers that I have recently been diagnosed with gallstones. We have annual travel cover and have a number of pre-existing conditions that they’ve covered in the past (high blood pressure included) They have now refused to cover me for anything other than non- health related cancellation! The rest of the family are OK but basically they are not covering me for anything gall stone or blood-pressure related. We are travelling to France and have EHIC cards so I’m assuming if I did have an attack I would be entitled to free health care surely? I’ve started to take a look at alternative insurers and it looks like it’s going to be hard/expensive to get a policy in place. Anyone had the same problem?

Try Avanti Gall ! We have an unusual health related situation for which we need cover - travel insurance - and they gave us excellent protection at a very good price. Also they gave us an even better rate - including a discount - for renewing our annual policy late last year. Certainly worth a try! www.avantitravelinsurance.co.uk/ Also, highly unlikely your EHIC card would offer full cover for what you need. Good luck!

Thanks for that steer Rafflesway Anyone else got any experience advice. Compare the market couldnt give me any quotes once I’d inputted my pre-existing health conditions! Spectrum are looking like a good one but am still looking at about £250 to cover a 2 week trip.

My EHIC covered me when I had a gallstone attack that ended up with me in hospital in Greece last summer.

That’s good to know kingseat - did you go on holiday knowing you had gallstones or did they rear their ugly head for the first time on holiday? We’re you otherwise insured?

Staysure are good for pre-existing conditions

Yes, I ave insurance with my bank account. Called them in advance to advise but the hospital only wanted to see my EHIC, or my insurance policy when I was taken in.

We used a comparison site called Medical Travel Compared recently and got cover that way.

My dh has high bp and gallstones-related condition, and we got,cover. We went with SAGA (!) Select. Or try this link. www.moneysavingexpert.com/insurance/pre-existing-travel-insurance/ We also,went to France.

Thanks all for the advice. Have managed to get insurance in place with Avanti for approx £99 for the two weeks - phew!

Sorry £90 not £99

I have polyps on my gallbladder. Which ai found the only place that would give me healh insurance to cover them was the post office platinum service. It was around £90 but that was for a trip the states.

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A Guide to Travel Insurance for Cancer Patients

When you have cancer, what can travel insurance cover?

The benefits you receive depends on the type of plan you buy. You can see all available travel insurance plans here , or get a quote to easily compare plans and pricing. That being said, here are some of the situations in which travel insurance can protect cancer patients.

• You have to cancel your trip because of your cancer diagnosis. Trip cancellation benefits can reimburse you for pre-paid, nonrefundable travel expenses if you must cancel your trip for a covered reason. One common covered reason is when you or your travel companion suffer an illness, injury, or medical condition that’s disabling enough to make a reasonable person cancel their trip. Remember that a doctor must advise you (or your traveling companion) to cancel your trip before you cancel it — or, if that’s impossible, within 72 hours of the decision to cancel.
• You have to cut your trip short because your illness gets worse. If you’re already on your trip, and you become too ill to travel, trip interruption benefits can reimburse you for your unused, pre-paid and nonrefundable travel expenses. This benefit can also pay reasonable transportation expenses to continue your trip or return home. It can even pay additional accommodation and transportation expenses (up to the stated limit) if the interruption forces you to remain at your destination for longer than you’d planned.
• You suffer an unexpected medical emergency while traveling. Emergency medical/dental benefits can reimburse you for the cost of emergency medical care you receive while traveling for a sudden, unexpected illness, injury, or medical condition that could cause serious harm if it is not treated. The key words here are sudden and unexpected . Travel insurance can’t cover your medical emergency if it’s an expected complication of your cancer diagnosis or treatment.

Also, please understand that travel insurance can’t pay for planned medical expenses if you travel overseas to obtain treatment for cancer (or any other condition). Travel insurance will not pay for any non-emergency care, elective care, long-term care or experimental treatments, among other exclusions listed in your policy.

How can travel insurance help if a family member is diagnosed with cancer?

What if someone in your family is diagnosed with cancer right before you’re about to leave on a week-long vacation? There’s no way you’re going to leave their side — but your resort’s cancellation policy says clearly that no refunds will be given.

In situations like this, travel insurance can help. If a family member who’s not traveling with you develops an illness, injury, or medical condition that’s considered life-threatening or requires hospitalization, that can be a covered reason for trip cancellation. The same is true for trip interruption — if you’re already on your trip when a family member becomes seriously ill, then trip interruption benefits can pay for your transportation home, as well as reimbursing you for unused trip costs.

Read more: How Travel Insurance Covers Family Members

What if you’re diagnosed with cancer after you purchase travel insurance?

Let’s say you book a Mediterranean cruise for yourself and your spouse to celebrate your 25th wedding anniversary. You also purchase travel insurance to protect the trip. Six months later, a routine mammogram detects a lump in your breast, and you’re diagnosed with stage-2 breast cancer. You must undergo surgery and radiation, which means you won’t be able to go on your long-awaited cruise.

Travel insurance with trip cancellation benefits can be invaluable in situations like this, when you’re facing a cancer diagnosis. If your symptoms (or the side effects of treatment) are disabling enough to make you cancel your trip, and if your doctor advises you to cancel it, then trip cancellation benefits can reimburse you for your prepaid, non-refundable trip expenses. That way, you can reschedule the cruise for after you’ve recovered — and the sea breezes will be even sweeter.

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Advice please. insurance won’t pay out for gallstones..

Hello all Am hoping for guidance. We are due to tour Sri Lanka next month with friends after saving for some years. A once in a lifetime holiday celebrating a special anniversary. I took out joint annual worldwide insurance last year but have subsequently been diagnosed with gallstones and had a bad attack last week. I rang the insurers last week to let them know assuming they would maybe add another premium but was told I woukd not be insured fir the gallstones while away or if I needed to cancel before departure. Think i was in shock, this is an expensive holiday and am left with either just going and hoping fir the best or losing the cost of the holiday if I need to cancel beforehand. Am considering trying to get insured elsewhere who will take gallstones into account, even though I have insurance already. What do others think.? Is it ok to have two insurances? Any insurance experts out there, please?

It is because your attack was so recent. You can see their point I guess, but what a total pain for you.

No expert here, silverlining48 , but I'm very surprised that your current company didn't just add your new condition to your policy. Did they say why they wouldn't do this? Is it perhaps because the attack was very recent? I had to buy an extra single trip insurance for DH for a holiday last year when he was prescribed a new medication that would have meant paying an extra £125 on our annual policy (more than doubling the cost!). I checked through the terms and conditions of both policies and there seemed to be nothing to stop us having two, though they both stated that if we had a claim we'd have to declare any other insurance we had, presumably so that the companies could share the liability between them. If you don't get definitive advice on here I'd just look for another policy then check with them that everything's in order.

Have you had many attacks? I declined to have mine removed a few years ago and provided I keep off cheese or anything very fatty I am generally OK . My attacks are quite painful but now I understand them i can breathe through them if one arises. I'd just go and hope for the best (probably because I'm stupid)

About three years ago I had a gallstones attack two days before a coach trip to Spain. I had to cancel. The insurance company refunded the whole cost of the trip when my GP certified that I was unfit to travel. I thought that's what holiday insurance was for...

I hadn't noticed that the OP said she would lose money if she cancelled, I thought the issue was that she wouldn't be covered if she chose to go on the holiday. Why wouldn't they refund the cost of the trip if you cancelled, silverlining ?

It might be best to delay your trip until after you have surgery. Surely you have travel insurance that would cover most of your costs? Although most of the time gallstone attacks are just very painful every now and again you can get a blockage which could mean emergency surgery and a risk of infection or even sepsis. I was extremely ill for several months as a result of a blockage and an unfortunate sequence of events - it was so severe the doctors feared I had liver cancer and I had to have a liver biopsy. If I were you I would try and and get the surgery as being very ill abroad would be dreadful

I think because if her current insurance doesn’t cover her for gallstones, any cancellation caused by gallstones won’t be covered either. I’m also surprised that the insurance company won’t add gallstones as a pre existing condition and ask for an extra payment to compensate. I forever seem to be ringing mine up and adding new things and there’s never any problem other than I often have to cough up more money. I’ve learned to my cost to be ultra diligent in keeping the insurance company informed. I was taken seriously ill while on holiday in the US a couple of years with a previously undiagnosed condition and had no problem in getting all the costs covered. But last autumn we had to cancel a holiday at very short notice because my back went unexpectedly and we couldn’t get cover because a few months earlier I’d mentioned back ache to the GP who gave me painkillers for it but I hadn’t thought it necessary to tell the insurance company about it.

I don't know why they won't cover for gallstones if it was not a pre-existing condition, or why they will not add it for an extra premium. You can have two insurances (I have to do that as our 'every-day one through the bank will not cover certain conditions, even for an extra premium). However, if you do find a company who will insure you, can you cancel the other one and get a partial refund. Perhaps you can get past the call centre operator and speak to a more senior manager first of all, they may advise you better.

I used this firm last time, they were cheaper than Staysure, which I had used previously. www.allcleartravel.co.uk/travel-insurance/gallstones/

I travelled for years with my gallstones. I just made sure I was sensible. You will just have to stick to your diet. They may not insure you as it may not be a straight forward attack next time with an increased risk of an infected gallbladder, rather than 'merely' biliary colic. It should be perfectly manageable if you are careful. I went 20 years between attacks before a massive attack and total collapse prompted cholecystectomy.

Jalima, as soon as the gall stones were diagnosed it became a pre existing condition but one which the insurance company hadn’t already agreed to cover. The chance of a more serious attack in the future shouldn’t be too much of a problem as far as insurance is concerned. I gave a remitting/relapsing condition where the severity of the attacks differ greatly.

You do not say what type of Company you are using or what type of policy you have. Some basic travel insurance is very inflexible. Once there is a health need then its best to go with a Company that specialises in disclosed conditions. OH has a few health issues....I've had the odd thing in the past that have resolved. We have always disclosed all and the Company makes the necessary adjustments when we renew...never been a problem. Recently we had to withdraw from a Holiday at the very last minute....I was too ill to board train for long organised trip (so no chance of joining at a later date).....after we sent statement and Dr's letter they refunded full cost no problems.

Tartlet - I’m also surprised that the insurance company won’t add gallstones as a pre existing condition and ask for an extra payment to compensate. I forever seem to be ringing mine up and adding new things and there’s never any problem other than I often have to cough up more money. Probably because this is an ongoing issue that hasn't been treated yet. OP had an attack last week so is high risk for needing surgical treatment abroad

Jalima, as soon as the gall stones were diagnosed it became a pre existing condition but one which the insurance company hadn’t already agreed to cover. I think they are being unfair and unreasonable Tartlet ! I took out joint annual worldwide insurance last year but have subsequently been diagnosed with gallstones If you had taken out the insurance before your gallstones were diagnosed then it isn't a 'pre-existing condition', and, unless it is specifically excluded in the small print they seem to be wriggling out of their contract with you. Most unfair imo. Can you tell us which company this is so that we can all avoid it?

Thank you all decor your input. jalima you ask which company and It is staysure, which you mention you have used too. Will check All Clear, thankyou. I understand there’s no problem insuring myself again for this single trip which is what I plan to do. It doesn’t seem right that I have to do this as I already have insurance but there isn’t an alternative. By the way I hadn’t mentioned my recent attack I just reported a new gallstones diagnosis. It’s very common and most people don’t even know they have it, i only found out by chance. Will be looking for another insurer next year. Oh yes.

Can I ask whether you tried more than once to get the company to include the gall stones? If not, I think it would be a good idea to try again (Not mentioning that you've previously been refused) and see what happens. Mention that you're expecting to pay a supplement. Worth a try anyway in case it saves you taking out a second policy.

I find that strange. I had a one off policy for a holiday this month and I was diagnosed with cancer at the end of November. They added the condition without extra charge and told me I would be covered. As it happened we did have to cancel but because of my husband's sciatica.

Jalima, I'm sorry but travel insurance doesn't work like that. As soon as a condition is diagnosed it becomes pre existing and excluded from cover unless the company knows about it and has specifically agreed to cover it. Of course insurance companies do their best not to pay out and stick to the terms of the policy. They'd soon be out of business else. We just need to do our best to stop them wriggling out of things.

Jalima, I'm sorry but travel insurance doesn't work like that. I'm confused - you take out insurance in case something happens that you knew nothing about beforehand and you then have to cancel your holiday.

It is staysure, which you mention you have used too. Oh goodness silverlining ! The only reason I didn't use them again was because they promised a reduction in my insurance after using them for three years - then tried to charge more even though I had never made a claim. I then insured with AllClear which were £200 cheaper but as I didn't have to claim I am not sure just how helpful they would be in the event of needing to use them.

Like others, I can't see why the company will not cover cancellation of this holiday, as the condition does not appear to pre-date the taking out of the insurance (unless related symptoms had previously been reported to a doctor). Martin Lewis often says how important it is to take out insurance as soon as you book a holiday precisely so that you are covered for cancellation if something unforseen like this happens between booking and departure. But companies can hide all sorts of get-out clauses in the small print!

Tartlet and silverlining This is from the Financial Ombudsman's website: ongoing duty of disclosure: Some insurers try to exclude from cover not only pre-existing medical conditions but also any medical conditions that arise between the start of the policy and the start of the trip. We generally take the view that this is not fair and reasonable - particularly if these terms were not brought to the consumer's attention when they took out or renewed the policy.

Where the gallstones being investigated or diagnosed before you actually booked the holiday?

My first new quote today was a definite no no but now have had one from All clear which was much much cheaper for what seems the same cover, thank you Jalima. Before I commit I will contact my current insurer again to check why they wouldn’t include the new health information for an added cost, otherwise it’s clear that its going to be All Clear.

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Think Your Travel Insurance Covers Your Pre-Existing Medical Conditions? Think Again

Are you guilty of always buying the cheapest travel insurance policy you can get your hands on? I know I am. After all, they more or less cover the same things, like travel delays, lost luggage, and medical expenses…that’s what most of us think, right?

Well, if you have pre-existing medical conditions such as diabetes, high blood pressure, or asthma—you might want to think twice. 

It may come as a surprise to you, but pre-existing medical conditions are often not covered under a standard travel insurance plan. Even if the plan includes S$200,000 medical coverage, you might not be able to claim for it if your illness or injury is linked to a pre-existing condition.

What qualifies as a pre-existing medical condition?

Before we discuss how to overcome this problem and obtain coverage, we’ll first have to define a pre-existing medical condition.

In the context of travel insurance, a pre-existing condition is a sickness or injury that you were aware of (not limited to the past year before your travel date), as well as being diagnosed with, took medication for, have medical records of, received treatment for, or had been asked to get medical treatment for within the past 12 months before travelling.

Examples include: asthma, stroke, eczema, epilepsy, diabetes, high blood pressure, and heart conditions.

How can I get covered for my pre-existing conditions?

Thankfully, there are plans that are specifically designed to cover your pre-existing medical conditions. 

There’s no telling when medical problems can crop up and you certainly don’t want to be paying through your nose for medical bills in a foreign country and not be able to claim for it later. Don’t let your holiday become a nightmare.

Having travel insurance that covers pre-existing medical conditions can go a long way. 

Take the case of Jack*, who was on holiday. During his trip, he had to be admitted to the hospital because of low oxygen levels. He was subsequently diagnosed with a lung condition and severe heart failure.

Prior to the trip, Jack already had a history of multiple medical conditions, including a lung disease.

He had to be medically evacuated overseas to Singapore via an air ambulance, and together with the medical expenses overseas, the total costs amounted to more than S$50,000. 

Another case was Sally*, who was on a trip overseas when she had to be admitted to the hospital for heart problems and gastrointestinal bleeding.

Like Jack, she had a past medical history of multiple medical conditions. 

She also had to be medically evacuated, and the cost amounted to more than S$19,000.

Fortunately for both of them, their bills were taken care of by Income Insurance because they had the right travel insurance policy.

While the premiums for policies that cover pre-existing medical conditions may be higher than those of a standard travel insurance plan, as the stories above show, it’s better to be safe than sorry.

How can Income’s Enhanced PreX Travel Insurance protect you?

Despite having pre-existing medical conditions, both Jack and Sally were able to fully claim for all their medical expenses thanks to Income’s Enhanced PreX Travel Insurance . This policy, which they had purchased, covers pre-existing medical conditions such as diabetes, heart conditions, high blood pressure and more. With no out-of-pocket payments, they could rest easy and focus on recovery.

Some of the key coverage includes: 

• Up to S$300,000 in overseas medical expenses and emergency medical evacuation coverage when you unexpectedly suffer pre-existing medical conditions.  
• Up to S$15,000 coverage for overseas transport and accommodation expenses if you have to cancel or shorten your trip due to pre-existing medical conditions 1 .

The plan also includes trip inconveniences such as trip disruptions, travel delays, as well as baggage loss and delays.

There are three tiers of Enhanced PreX Travel Insurance—Enhanced PreX Basic, Enhanced PreX Superior, and Enhanced PreX Prestige—each with differing amounts of coverage to suit your needs and budget.

Income Insurance has recently extended the coverage duration for its Enhanced PreX Per-trip plans to 60 days from 30 days, allowing you to be covered for your pre-existing medical conditions even on long-haul trips!

If you have an upcoming trip and have a pre-existing condition, consider Income’s Enhanced PreX Travel Insurance . Sign up by 31 May 2024 to enjoy 15%^ off Enhanced PreX Per-Trip plan! Hurry, as this offer is for a limited time only.

This post was brought to you by Income Insurance Limited.

^ Promotion Ts&Cs apply. Please refer to the full promotion terms and conditions here .  

1  For trip cancellation and trip shortening under Enhanced PreX Superior and Prestige plans. 50% co-payment applies. 

All opinions expressed in this article are those of MoneySmart and not of Income Insurance Limited (“Income Insurance”).  MoneySmart assumes full responsibility and control over the accuracy and completeness of all information provided in this article. MoneySmart is responsible for the accuracy and completeness of all information provided and intellectual property used in this article. Income Insurance is neither responsible nor liable to any party for the content of this article and intellectual property used in this article.    

The information provided in this article is for general information only and does not constitute an offer, recommendation, solicitation or advice to buy any product(s). You should seek personalised financial advice before you purchase any insurance product. Purchasing an insurance product that is not suitable for you may impact your ability to finance your future insurance needs. Precise terms, conditions and exclusions of the insurance plan mentioned in this article are found in the policy contract which can be found at this link . This plan is underwritten and issued by Income Insurance.  

Protected up to specified limits by SDIC.

Information is correct as of 2 May 2024. 

*Names have been changed to protect privacy

This post was written in collaboration with Income Insurance. While we are financially compensated by them, we nonetheless strive to maintain our editorial integrity and review products with the same objective lens. We are committed to providing the best information in order for you to make personal financial decisions with confidence.

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