Travel insurance post transplant

[Liverlover]

Does anyone have any top tips for travel insurance post transplant? I had a transplant 3 months ago and am starting to think about going away later this year. I already have a list of insurers to try (kindly given to me by the Royal free). Thanks.

[liveronmymind]

Lucky You! Bonne Voyage! I know some people on here know quite a bit about the best cheapest travel insurers, i'm not much help on that but no doubt you will soon get some good advice .

Hang on, ive just typed travel insurance into search british Liver Trust and lots of revelant posts came up including this ahich i copy pasted - it's from one of the administrators here and she said:..........

5 months agoBLTCarol Administrator

"If you would like to call or email the Trust on 01425 481320/[e-mail] then we can give you a list of a few travel insurance companies who say they will cover those with a liver condition to try.

Best wishes"

[nutrimar]

I am 3 years post transplant and I bought a year's worldwide (misnomer - can't go to China, Thailand or the USA) cover through Staysure for approx £200. Add ons made it £30 more expensive. That's the best I could do.

[RodeoJoe]

I think it depends where you are going. If it's Europe then pretty straight forward although you might need to be 6 months post transplant. I went to Spain last summer. I think the best deal I found was through all clear.

[PeterP54]

It depends on how well you feel, your attitude to risk and financial back up that you have. Despite having had PTLD (lymphoma) 5 years post transplant I continue to self insure and mostly have had 2 holidays per year. Not had any need to claim since. Having said that the £200 mentioned by nutrient sounds very reasonable if not very cheap.

[GrittyReads in reply to PeterP54]

Hi PeterP54,

I'm interested in your answer to Liverlover. Sorry if this is dim of me: I'm not very good with finance, AND have bad Travel Insurance phobia since having incredible trouble due to a bogus diagnosis that TI companies didn't recognise - had dx reversed now!

But ... what exactly do you mean by self-insure, and how does one go about it?

Thanks, pm me if you prefer.

Gritty

[PeterP54 in reply to GrittyReads]

By self insure I mean that I don't buy

My transplant has been a fantastic success. I don't get colds, flu or infections. The immunosuppression regime gave me PTLD and although cured to all intents and purposes, I do have some ongoing issues (now have regular appointments with a haematologist and urologist and hAve a procedure under general anaesthetic twice a year.

I have not applied for travel insurance for the last 10 years or so. I just ensure that I don't have any medical interventions in the 2 or 3 weeks before I go on holiday. I have had the good fortune to have travelled widely, much of it business trips abroad. I have only once had the need to claim on insurance and that was when I got an infection in hospital a week before a family holiday and spent a week on intravenous anti biotic. The doctors said I should not travel due to risk of relapse even though the course of medicine finished the day before we were due to travel.

Due to the regular consultations I feel it is pointless trying to obtain insurance. Not only is the cost for me likely to be high, but the exclusions are likely to be many. I have only to forget to mention to the insurance Co one appointment to give them a get out clause should I need to claim.

It works for me. It would not work for everyone and there are certain risky countries I would not visit (e.g. anywhere in Africa, India, Pakistan etc.)

[Alvess123]

Include ALL medical facts when you do get insurance. They are parasites and will do all and everything to avoid paying out, the slightest thing will enable them to refuse you. Not a good experience when you are in a hospital in another country and faced with a huge bill.

[bobbycat]

Sounds like its easier to stay in the UK....shame but there are so many Problems insurance wise.....and they do try to get out of of any claim.