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.
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.
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.
No. Cystic fibrosis 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 high premium than they would someone who does not have a pre-existing medical condition. However Fish, as an insurance company specialising in serving people with disabilities and chronic health issues, can arrange effective and highly competitive travel cover.
Covers a wide range of pre-existing medical conditions
No age limit*
Single and annual multi-trip cover
24/7 emergency assistance
Covers emergency replacement of prescription medicines
Provides cover for a replacement carer
Protects mobility and disability equipment, providing replacement equipment in the event of a loss
Alternative accommodation cover
Friendly UK-based claims service and specialist medical assistance
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.
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*Applies to Fish Plus One and Fish Plus Two policies only