Travel insurance to include emphysema is a must when you travel or take a holiday abroad just in case you fall ill and need medical treatment. The cost of receiving medical treatment away from the UK can be very high. For those with pre-existing medical conditions travel insurance can be expensive unless you shop around (this link might help you find cheap travel insurance for people with emphysema
Travellers with emphysema have in the past paid significantly more for their travel insurance as those with emphysema, like many other sufferers of a pre-existing condition have had their premiums raised. The travel insurance companies consider those that are under the treatment of a doctor, even on a routine basis, may be more likely to claim and hence cause them to have to pay out.
For example, a 54 year old male, travelling to the United States of America for 1 week would pay around £13.42 if they didn’t have emphysema, but for the same person with emphysema, the premium could be £36.41, that’s around 3 times more expensive.
Typically customers with emphysema might also suffer with another condition. In our example the premium would still be £36.41 assuming the applicant was taking 2 additional medications for high blood pressure.
Additional rating factors which effect travel insurance are high blood pressure, high cholesterol and whether you smoke.
Emphysema and travel insurance
Chronic obstructive pulmonary disease
), also known as chronic obstructive lung disease
), chronic obstructive airway disease
), chronic airflow limitation
), and chronic obstructive respiratory disease
), is a lung disease defined by persistently poor airflow as a result of breakdown of lung tissue (known as emphysema) and dysfunction of the small airways. It typically worsens over time. Primary symptoms include: shortness of breath, cough, and sputum production.
COPD is most commonly caused by tobacco smoke, with a number of other factors playing a less common role. This triggers an inflammatory response in the lung. COPD is often defined based on low airflow on lung function tests. In contrast to asthma, this limitation is rarely reversible and usually gets worse over time.
Management involves quitting smoking, vaccinations, rehabilitation, and often inhaled bronchodilators. Some people may benefit from long-term oxygen therapy or lung transplantation.
All of these factors will be taken into account when you apply for travel insurance with emphysema.
And finally, those that are awaiting a diagnosis or additional tests face the heftiest premiums as what insurers’ hate most of all is uncertainty, especially around the possible risk of falling ill abroad with a condition that isn’t yet well controlled.