Travel Insurance with emphysema
Remember
- Tell your insurer about any pre-existing medical conditions to make sure you’re fully covered
- Consider covering everyone travelling in your party in case you have to cancel
- Take a copy of your travel insurance documents with you
Nearly 1 million people in the UK are living with an emphysema diagnosis and having a pre-existing medical condition might find it harder getting travel insurance. Specialist travel insurance providers such as AllClear can work with you to arrange suitable cover for you and your condition.
What is emphysema?
Emphysema is a pulmonary condition in which breathing is affected following damage to the alveoli, air sacs which process inhaled air to supply oxygen to the blood and return carbon dioxide to the lungs. When the alveoli are weakened or ruptured this process is impaired causing shortness of breath, coughing and production of phlegm. Emphysema falls under the umbrella of chronic obstructive pulmonary disease and those diagnosed with it may also suffer from other COPD conditions such as chronic bronchitis.
Do I need to declare emphysema as a pre-existing medical condition when buying travel insurance?
Yes. Emphysema is a serious disease and once you have a diagnosis you must declare it as a pre existing health condition. Bear in mind that high altitude, pollution and low oxygen levels (such as in aircraft cabins) can exacerbate symptoms so it is important you have effective travel insurance. If you don’t declare your condition your policy may be invalid and should you fall ill you may need meet emergency medical and associated costs such as an air ambulance.
Will having emphysema prevent me from getting travel insurance?
Because emphysema is a chronic condition you are protected by disability legislation which makes it illegal for insurers to refuse you cover. That does not mean though that they cannot charge you more or place specific restrictions upon your cover. As a company that specialise in disability insurance, AllClear is experienced in sourcing highly competitive travel insurance for people with chronic health conditions, including emphysema and other COPD disorders.
Information and support for people with emphysema
Nurses and fitness instructors are among practical measures the British Lung Foundation offers to support people living with emphysema whilst the charity’s website provides useful information on the conditions causes and treatment and opportunity to chat to other sufferers. Expert commentary is also provided by the NHS.
AllClear take care of everything
Here at Fish Insurance, we’re proud to be working with travel experts AllClear Travel to provide you with cover for your next trip. AllClear’s team of experts will help find the cover you need at a price you’re comfy with. So if you’re planning your next break, all you have to do is decide where to visit first.
To get a quote or manage your policy call
Key benefits of AllClear’s cover*
- No age limits
- 1300+ conditions covered
- ‘Superior’ Covid cover** (includes return flight costs if you’re forced to stay due to Covid-19)
- Up to £15m medical emergency expenses cover
- 24/7 English-speaking medical emergency helpline
- Up to £25,000 for cancellation and cutting your trip short
- Up to £3,000 for your baggage
- Up to £500 travel delay cover
- Up to £1,000 optional cover for travel disruption
- Up to £2m personal liability cover
*All figures are per person and per trip
**Covid cover rated ‘Superior’ by a leading independent UK Consumer Champion in 2021
AllClear cover a range of pre-existing conditions
See what our customers are saying about Fish’s service
And we don’t stop there…
We’ve answered some of the questions you may have about Travel Insurance
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QWill I be able to get travel insurance with emphysema?
AYes, emphysema should not stop you being able to get travel insurance. The quote you will receive depends on any medication you’re taking or other conditions you may have.
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QDo I need to declare emphysema as a pre-existing medical condition?
AYes. It’s always best to declare any conditions you’ve been diagnosed with when applying for travel insurance, including emphysema. This ensures any medication you may be taking will be covered, as well as any treatment for your emphysema you need to seek while you’re away.
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QCan I fly with emphysema?
AYes, many people with emphysema are perfectly okay to travel by air. We’d suggest consulting your GP to check it would be okay for you. If you need to bring extra luggage, most airports have special services that will help you to transport your luggage around the airport, but make sure to let them know you’re coming in advance. It’s important if you need to take oxygen with you when you travel or other equipment that will need to be with you in the aircraft, rather than the hold, that you let the airline know in advance.
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QWill having emphysema prevent me from getting travel insurance?
AHaving emphysema shouldn’t stop you from getting travel insurance. The quote you will receive depends on the severity of your emphysema, any medication you’re taking, and other conditions you may have.
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