Travel Insurance following a kidney transplant
- 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 had a kidney transplant, getting travel insurance may be proving a little more problematic. As a specialist provider of insurance, AllClear Insurance has decades of experience in dealing with people who have pre-existing medical conditions and can work with you to ensure you get the right level of cover for your needs.
What is a kidney transplant?
A kidney transplant involves the replacement of a failed kidney with a healthy one from a donor following end-stage chronic kidney disease. Whilst kidney disease may be often be treated by dialysis (a blood filtering procedure) this is time-consuming and requires ongoing care and transplantation is usually the preferred medical option. Please click here to read more about chronic kidney disease.
Do I need to declare I have had a kidney transplant as a pre-existing medical condition when buying travel insurance?
Yes, because it indicates you have had chronic kidney disease, a pre existing health condition which you are required by insurers to declare. Should you not declare this then it is possible that should you need make a claim on your travel insurance your insurer may refuse it. Such a scenario would leave you liable for the cost of any emergency medical treatments you may need and others costs that you might otherwise have expected your insurer to settle.
Will having had a kidney transplant prevent me from getting travel insurance?
Assuming you have been cleared by your doctor to travel (it is often recommended not to do so within a year of transplant) then there is no reason why you cannot get travel insurance. However, it is possible that an insurer will take your medical history into account and charge you a higher premium or impose particular restrictions on your cover. A specialist broker like AllClear Insurance will be able to help you find appropriate travel insurance at a competitive price.
Information and support for people who have had a kidney transplant
If you have had chronic kidney disease, nephritis or a renal tract infection then you may already be aware that Kidney Research UK’s website is an excellent resource. 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 more on why people need and who can have kidney transplants as well as what is involved on the NHS website.
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
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And we don’t stop there…
We’ve answered some of the questions you may have about Travel Insurance
QCan I be exposed to the sun if I have had a kidney transplant?
ATransplant patients are more likely than other people to get skin cancers after a transplant. This is because of the immuno-suppressant drugs you may need to take after a transplant. This means if you’ve had a transplant, it’s very important to ensure you stay safe in the sun by wearing a high factor sun cream, covering up with suitable clothing, and avoiding the sun at the hottest time of day. It’s always advisable to speak to your GP to ensure you are informed about how to stay sun safe on holiday.
QWill travel insurance cover medication for a kidney transplant?
AYes. Travel Insurance from Fish covers the emergency replacement of prescription medications including those required for a kidney transplant.
QDo I need to declare a kidney transplant 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 transplant. This ensures any medication you may be taking will be covered, as well as any treatment for your kidney transplant you need to seek while you’re away.
QCan I get travel insurance after a kidney transplant?
AYes, having a kidney transplant 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.
QWill I be unable to get travel insurance if I’ve had a kidney transplant?
AHaving a kidney transplant shouldn’t stop you from getting travel insurance. The quote you will receive depends on any medication you’re taking, and other conditions you may have.
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