Travel Insurance with kidney failure
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 chronic kidney disease (renal failure) it may prove harder for you to find cheap travel insurance which covers your condition. Don’t worry though because as specialist insurers, AllClear Travel Insurance can provide the right level of cover for you and your condition.
What is kidney failure?
Our kidneys are vital for the healthy filtering of waste from our bloodstream and the creation of urine, as well as for helping maintain blood pressure, the effective generation of red blood cells and good heart and muscle function. If they do not function properly your body can retain water – causing the swelling of ankles, feet or hands – you can become fatigued, feel sick and may find blood in your urine. Chronic kidney disease is associated with ageing.
Do I need to declare chronic kidney disease as a pre-existing medical condition when buying travel insurance?
Yes, it is very important that you fully declare that you suffer from kidney failure and another pre existing health conditions with which you may also have been diagnosed. If you do not advise your insurer that you have chronic kidney disease then should you later try and claim on your policy it may be refused. This would mean you would need settle any bills for emergency medical treatment should you fall ill whilst abroad.
Will having chronic kidney disease prevent me from getting travel insurance?
As a chronic condition kidney failure is regarded legally as a disability and those with the disease are protected by anti-discriminations laws. But these do not stop an insurer imposing restrictions on the cover it offer you, or charging you more than for someone who does not have a previously diagnosed medical condition. You may find it helpful in securing effective and competitively priced travel insurance to contact a broker like AllClear which specialises in insurance for people with disabilities.
Information and support for people with chronic kidney disease
Kidney Research UK offers helpful information and advice to people diagnosed with chronic kidney disease and many other kidney-related conditions. This includes free literature on how to look after your kidneys, a kidney care cookbook and the role your kidneys play in maintaining health. You can also read up on chronic kidney disease courtesy of 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 having kidney failure make my travel insurance expensive?
AThe cost of travel insurance takes into account any pre-existing conditions you may have, along with how severe they are and any treatment you may be receiving. If you have kidney failure, your travel insurance will probably cost more than someone of the same age with no pre-existing conditions, but it doesn’t mean the cost will be huge. It’s always worth contacting a specialist insurer such as AllClear that can help you to get the right cover at the right price.
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QCan I claim for emergency treatment abroad if I have kidney failure?
AYes, if the kidney failure is unexpected it would be covered on your travel insurance. If you’ve had kidney failure in the past, as long as you have declared your kidney failure as a pre-existing condition when purchasing travel insurance any medication you may be taking will be covered, as well as any treatment for kidney failure you need to seek while you’re away.
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QCan I get travel insurance with kidney failure?
AYes, kidney failure 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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QCan I travel by air with kidney failure?
AYes, many people with kidney failure are perfectly okay to travel by air. We’d recommend, before booking your trip, consulting with your GP to check that you’re fit to fly. 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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QDo I need to declare kidney failure 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 kidney failure. This ensures any medication you may be taking will be covered, as well as any treatment for your kidney failure you need to seek while you’re away.
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QWill having kidney failure prevent me from getting travel insurance?
AHaving kidney failure shouldn’t stop you from getting travel insurance. The quote you will receive depends on the severity of your kidney failure, any medication you’re taking, and other conditions you may have.
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