Health/Travel Insurance after Liver Transplant

[ThePug]

I am travelling to the USA soon and am so stressed about the cost of Health insurance for the 7 days that I will be there. Last quote I received was upwards of £2000. I am 3 years post liver transplant. Am I going to the wrong companies? Just want to feel reassured that if anything happens that I will be taken care of. America’s healthcare system is so awful in that if you don’t have enough money your left to literally your demise. I have to go as I am best man at a family members wedding. I work full time but like most people I am pay cheque to pay cheque. Help!!!!! Does anyone or the BLT recommend an insurance company or know where people like me can get temporary cover.

[MINTVCX]

I have no idea about USA but I wonder would you have the same issue if you would like to travel to some country of European Union? What is the situation now after Brexit?

[ThePug in reply to MINTVCX]

Well I believe you can get health cover to go to mainland Europe for about £200. Plus you can take a UK or Irish global travel insurance card that you can apply for free. Covers the EU and some other countries. Canada, USA and Australia are not covered.

[joeburger]

Have you tried the price comparison sites. I have been quoted over a £1000 to go to Cyprus by a specialist medical insurance company and less than £200 using the other pre-existing medical conditions companies found on the search sites.Good luck.

[Hidden]

Hi,

Here is our page on insurance, we don't recommend specific companies but there is a list of companies who have contacted us to say they cover some liver diagnoses, hopefully it will be useful;

britishlivertrust.org.uk/in...

We always suggest that you speak to your liver consultant for a medical assessment prior to travel.

Warm wishes

Trust1

[ThePug in reply to Hidden]

Perfect I’ll have a look. Thanks so much

[Aotea2012]

I got mine from Avanti for a good price. Not much more than for a normal insurance policy. It worked out cheaper for me to get a 12 month policy. Good luck.

[pushthrough]

ThePug, I’m in the USA. Not sure about the insurance but which parts of the US are you visiting?

[bowsandstars]

Try insurewith.com

[KevinCanada]

Give the Staysure website a try. We use them for our daughter after her transplant. As long as it’s been 6 months since transplant without any complications they seem okay. Cost £150-250 but thats travel to Middle East and Africa, don’t know about USA.

[Tougholdbird]

Hi, staysure are not too bad. Once you type in USA the cost increases massively. I have insurance via my bank account with nationwide but was a customer before my transplant. Might be worth seeing if you could use them but I pay £12 per month for which includes travel insurance, phone insurance and car breakdown.Worth searching online.

Good luck and have a great time at the wedding.

[ThePug in reply to Tougholdbird]

They were £2000. Terrible.

[Roy1955 in reply to Tougholdbird]

Check your cover!Those bank policies often state that pre existing conditions diagnosed before you travel are excluded from cover.

[Daverover in reply to Roy1955]

Yes, Nationwide would not cover the liver bit for me

[1803sioban]

Try All Clear or Taylor Made Travel Insurance. It is not cheap, about £500 if you have no other health problems but US is not a cheap country to travel to anyway and heath costs are horrendous. Good luck and enjoy for holiday.Sioban.

[1803sioban]

I would just like to add that the Mailonline (Sorry!) has an article on home page about about travel insurance. Also, I only checked about liver transplants but I assume that you would also need to declare the reason why you needed to have one. Sioban.

[exy21]

Insurance since covid has increased hugely but more so America. I have not had a transplant but have Aih/pbc. I have just managed, (took days, refused mostly or upto £2000!) to get insurance for Canada stating everything and covering all my illnesses,(have others) for under £130 (including extra covid add on) from insurancewith.com. They were on the government list of companies for medical cover. I didn't need cover for my illnesses and never had on any insurance as my specialist says I'm stable and have been for years but policies now all want you covered. Again I think it's America's as Europe we still have the equivalent of old E111 cover.

[exy21]

Ps. It's for 3 weeks

[Daverover]

I had a quote recently, maybe via compare the market? I am 1 year post and the quote was with the PO for £407. Maybe worth a try, other quotes were as silly as yours

[Livertrans]

Try AllClear. I had a liver transplant 19 months ago , am nearly 70 and was quoted a lot less for the Red Sea in March.