Do I really have PBC?

[swinstan]

Sorry, I know this question has been asked before but I'm seeking a bit of clarity.

I'm one of the lucky ones in that I have no ill health related to PBC and I do feel for those of you suffering so much. Back around 2001, I was found to have AMAs after a blood test for another reason. No unusual LFTs or anything else associated with PBC, scan of liver was fine, and definitely no symptoms. Routine annual liver function tests were fine until about ten years ago, when they became a bit elevated. Went onto Urso, which worked immediately and everything has remained stable since. Like I said, I feel really lucky.

However, wanting to book a longer cruise of a lifetime whilst I'm still young enough to go, I am being quoted £3450 for the trip. Without declaring PBC, the quote is about £550. So back to the question, do I have to declare myself as actually having PBC when I have none of the symptoms or clinical indications, although I am medicated. From the questions, it looks like insurers have a distorted view of PBS, questions only focusing on end stage but of course, insurance costs affect all of us at all stages.

To repeat, I feel a bit guilty asking my question when so many others have much more serious issues, but it feels like PBC is penalising me and maybe others, in other ways. If anyone can advise, I'd be very grateful.

Best wishes to all

[Oidra]

When I did a lot of cruising I stated that I had PBC but did not want cover for it. This was my assumption that if I became ill from having PBC I wouldn’t be going anywhere and there wouldnot be sudden problems like a heart attack or stroke which I wouldbe covered for. This was my way of dealing with the problem which others may not agree with

[swinstan in reply to Oidra]

Thanks Oidra. That makes sense. PBC is extremely unlikely to be a problem for me in such a short term, I feel.

[butterflyEi]

On their web site LIVErNORTH have a list of insurance companies, you may like to take a look and shop around although the suggestion by Oidra is a good alternative. Enjoy your cruising.

By the way I do think that the price you have been quoted is excessive.

best wishes

[swinstan in reply to butterflyEi]

Thanks ButterflyEi, I'll take a look at their list. I was intending to look around more and maybe argue the cost, but your suggestion looks a much easier option. At least I can start with a more sympathetic company.

[tamarjaybird]

I have just booked a cruise and the cruise line insist on all existing medical conditions be covered. I got single trip cover from Staysure for £130. I agree that the insurance companies concentrate on worse case scenario by asking if you have had a transplant or awaiting one. I feel this is very unfair. My main problems are fatigue and muscle aches that have got worse with PBC (which I have had for years as I also have ME, but the insurance questions aren't bothered with that). Hope this helps.

[swinstan in reply to tamarjaybird]

Thank you for the tip about cruise companies insisting everything is covered regardless. I'll have to check that one out.

[Odieweb]

I have been insured for my work and for travel, they just don't cover any PBC related illness, which is unlikely to happen anyway, it is far more likely that some mishap could happen, and then I would value the insurance. I wouldn't travel without it.

[swinstan in reply to Odieweb]

I agree. I would want everything else covered but PBC problems seem to come about more gradually and so are unlikely to be an issue at short notice.