Travel insurance

[S2k0]

Am planning a trip to oz in the summer and I recently seen a post about how hard it is to get insurance if you have pbc if you are lucky it is terrible expensive. Feel like ai have been discriminanaated against like we are outcasts. I was feeling positive about my situation but now am feeling quite low. Has anyone been through this.

[Mickeym]

Hi, don’t dispare. I was feeling really down about it too until some kind people on this site helped me out with suggestions.

I’m in the uk age 56 with pbc and b12 deficiency. Was quoted over £1000 for a trip to the us but somebody suggested boots insurance to me and I got a great quote of £310 from them for an 18 day couples insurance. Fortunately my husband has perfect health.

Keep your chin up and keep trying, it’s a lot to keep going through but I got there in the end.

[Mickeym]

Sorry gave you the wrong quote,it was actually £262. I thought this was really good. Think you pay a £310 excess if anything happens due to your pbc but anything else is just £60 excess.

[Alisonsewsalot]

It can be very frustrating regarding travel insurance and pbc. I was the person who has used Boots. (Although there maybe other people on here who can suggest others)

I am fortunate, after being diagnosed two years ago, not yet on medication and healthy Liver, but because I see a Consultant every 6 months and have the PBC markets in my blood I have to declare it.

[boneytoys]

I declare pbc but I choose not to be insured for it as the premium is mega bucks.

I am a symptomatic and my specialist reckoned I would have time to get home!

[S2k0 in reply to boneytoys]

So you can I ask for pbc to be exempt from the cover who was that with please

[funkyfreester in reply to S2k0]

Staysafe

[boneytoys in reply to S2k0]

Ah I live in nz I’m not sure it’s a fit

[funkyfreester]

Hi,

I asked this question last year as I had an exteded trip planned ....over 60 days.

I took multi trip annual travel insurance with Stay safe and basically signed a medical exemption for PBC.

I hope this helps.

[S2k0 in reply to funkyfreester]

That is good to know did you do this online or over the ph

[funkyfreester in reply to S2k0]

Did it on line, Getting annual multi trip insurance is cheaper for my travels than getting cover just for one trip.

[Sandymh]

Hi. You definitely need to shop around. Depending on how long you are going. For 6 weeks our insurance is very high. We've been quoted £1000 for the two of us, but managed to find one at £500. I don't have any one issues other than intense itching, do feel I'm being penalised, but daren't not admit to having pbc as I've heard that if you don't declare it, but if need treatment for something else then the insurance will be invalid. I'm in UK so we don't have to pay for hospital treatment in Australia, but it did cost almost 1300 au dollars for an ambulance when my husband collapsed with pneumonia two days after arriving in Brisbane. I was also admitted to hospital four weeks later in NSW with a ruptured spenic haematoma. Unlucky holiday that one 😊 We didn't have to pay immediately for the ambulance and our insurance paid for it after we had returned back home.

Try to not to let it get you down and have a wonderful holiday.

[Bunter]

I was diagnosed with PBC 13 years ago. I've just returned from 5 weeks in New Zealand. I got annual multi trip (45 days per trip) insurance, world wide excluding USA, Canada, Caribbean and Mexico for myself and my husband ( he has no medical issues) with Holidaysafe for £398. I declared PBC, mild varices and portal hypertension. I stressed that it is Primary Biliary Cholangitis not Cirrhosis! Good luck and Ken joy your holiday. It's Thor best medicine.

[Maureen25]

Hi S2ko I have an annual insurance with Nationwide as I bank with them. £200 and I cover everything as I have more than PBC

[Bunter]

Whoops. Enjoy your holiday. It's the best medicine!

[cazer]

Try freespirit...

Still expensive but a lot better than some.. Yes it's very unfair but same for any disease. X

[58goose]

Try World First insurance. Covered all my various ailments and was very reasonable. There is an £75 excess for any claim and a £75 additional excess if I claimed against any of the ailments I had declared. Happy with that as it's doubtful I'd ever have to claim for them but 'better safe than sorry'.

[__Sarah in reply to 58goose]

Thank you for this. I have had a frustrating time trying to find annual family multi-trip insurance and World First were exactly right - they were £57 compared to a cheapest quote of £166 on other specialist pre-existing sites!

[Lowestoft1956]

I got a reasonable quote from boots.