If you have had a kidney transplant then getting travel insurance may be proving a little more problematic than for many people.
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.
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.
No. Assuming you have been cleared by your doctor to travel (it is often recommended not 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 Fish will be able to help you find appropriate travel insurance at a competitive price.
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
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.
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*Applies to Fish Plus One and Fish Plus Two policies only