If you have Cystic Fibrosis and need travel insurance, we may be able to help!
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
If you have cystic fibrosis you might be finding it difficult to find travel insurance for what is the UK’s most commonly inherited disorder. It is possible however, as specialists in travel insurance for people pre-existing medical conditions like AllClear will work hard to accommodate you.
What is cystic fibrosis disease?
Cystic fibrosis is a genetic disorder which impacts the lungs and digestive system through abnormal production of sodium and chloride in the body’s cells. Affecting around 9,000 people its symptoms include persistent coughing and susceptibility to infections of the chest and lungs. There is no cure for CF so treatments are designed to minimise its impact. These can range from physiotherapy and dietary change through antibiotic and bronchodilatory medications and, in rare case, lung transplants.
Do I need to declare cystic fibrosis disease as a pre-existing medical condition when buying travel insurance?
Yes. As cystic fibrosis is an inherited disease you are born with it meaning you are classed for life as having a pre existing health condition. If you do not declare it when getting a travel insurance quote then should you later try to claim on your policy this might be refused by your insurer. Should you then fall ill you could find yourself liable for the emergency medical treatment costs and associated bills.
Will having cystic fibrosis disease prevent me from getting travel insurance?
Having cystic fibrosis shouldn’t stop you getting cover, it is a chronic condition which brings with it protection under disability discrimination laws. Whilst it is illegal for insurers to refuse insurance to people with cystic fibrosis they can choose to impose particular limits and exclusions or charge a higher premium than they would someone who does not have a pre-existing medical condition. However AllClear, as an insurance company specialising in serving people with disabilities and chronic health issues, can arrange effective and highly competitive travel cover.
Information and support for people with cystic fibrosis
The Cystic Fibrosis Trust is the leading charity in the UK supporting people whose lives are affected by CF. It provides wide-ranging advice and information on the condition as well as offering practical support through welfare grants and a helpline (open 9am – 5pm weekdays on 020 3795 2184). The NHS also offers an overview of the symptoms, causes, diagnosis and treatment of cystic fibrosis.
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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QI travel with a carer. What happens if they are taken ill?
AAs one of the UK’s leading and longest established disability insurance specialist, we understand how many people depend on the services or a professional assistant or carer. For this reason, we are introducing customers to AllClear Insurance who can cover you for the emergency replacement of a carer should they be unable to support you through illness, accident, or injury.
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QDoes travel insurance cover medications required for Cystic Fibrosis?
AYes. Travel Insurance from AllClear covers the emergency replacement of prescription medications including those required for Cystic Fibrosis.
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QCan I get travel insurance if I have Cystic Fibrosis?
AYes, Cystic Fibrosis shouldn’t stop you getting travel insurance. The quote you will receive depends on any medication you’re taking, complications your Cystic Fibrosis has caused, or other conditions you may have.
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QCan I travel by air with cystic fibrosis?
AYes, many people with Cystic Fibrosis 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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QWhat complications do I need to declare about my cystic fibrosis when getting travel insurance?
AIt’s important to answer all screening questions honestly to ensure you’re protected by the right level of cover. It’s important to declare if you have complications such as brittle bones or diabetes as a result of your Cystic Fibrosis. You should always declare any medications you’re taking to ensure they will be replaced as part of your travel insurance should they be lost or stolen on your trip.
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QWill having cystic fibrosis disease prevent me from getting travel insurance?
AHaving Cystic Fibrosis shouldn’t stop you getting travel insurance. Cystic Fibrosis is a chronic condition protected under disability discrimination laws, making it illegal for insurers to refuse cover solely because of your Cystic Fibrosis. However, insurers can impose particular limits and exclusions or charge a higher premium than they would someone who does not have a pre-existing medical condition. Fish Insurance, as an insurance company specialising in serving people with chronic health issues, should be able to arrange cover for you.
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