Travel insurance advice

Hello,

I wonder if anyone has any advice please regarding travel insurance. My son has recently been diagnosed with PKD and we already had already booked a few days holiday to Kraków planned in December. I understand this diagnosis will affect any insurance? Is this correct and if so does anyone have an insurance company which insures for this condition please?

Apart from the shock of finding out he has this disease and the long term effect on his life (which is obviously the most important thing), there seem to be other things ie. insurance that will also have an impact.

I'd just like to thank everyone involved in this site, I have only just joined and the help and advise you give to each other is amazing.

Many thanks,

Jackie

16 Replies

oldest • newest

Jackieg888

in reply to tillymint16

10 months ago

Hi Andrea,

Thanks so much for your reply. Is that because the company you use doesn't want any pre-existing conditions declared or that PKD doesn't come under that? I've heard they want to know which stage you're at but we're new to this so not sure about things really. My son is having a blood and a 24 hour urine test next week and the hospital said that will show if he has CKD. At the moment we only have the geneticists opinion it's PKD (although she seems certain it is) ..he still hasn't had the results of the genetic test. I haven't contacted any insurance companies yet as I'm not entirely sure what information to give .. I thought I'd wait for the test results. Another lady has given me a link to companies on the Kidney website but that sounds encouraging if you haven't needed to declare PKD.

Many thanks,

Best wishes,

Jackie

tillymint16

in reply to Jackieg888

10 months ago

Hi Jackie

Ask away!! I don’t follow a diet as such but I’m mindful of what I’m eating. The main thing is to keep salt at a minimum ie very little or no processed food. Also to not consumed too much food with potassium in ie bananas. Keep protein foods to a minimum too. Eat plenty of fruit and veg but the most important thing of all is to not smoke as PKD patients have a connective tissue throughout their bodies and it’s important to keep blood vessels and arteries healthy as possible. I do have wine but any alcohol does raise BP no try not to over indulge.

There are different strains of the disease and although I have it from my Mum I also have inherited genetic modifiers from my Dad which are slowing it down

Good luck with your scans and if you’ve reached 58 without any symptoms your likely to stay well yourself but perhaps not be a carrier also.

Hope this helps and please ask whatever you want as it helps when your new to all this.

Regards

Andrea

Chrissy101

10 months ago

Hi Jackie, the main thing you will find out about PKD is that it affects everyone differently. I was diagnosed age 60 following a scan which was for something else. I have never had any symptoms - blood pressure is normal, no proteinuria, no pain etc and I am very healthy. However, all the usual travel insurance companies said they would not cover the PKD. Yes, they would offer insurance, but any claim that could be remotely connected to the PKD wouldn't be honoured. As I travel regularly to the USA I have an annual worldwide insurance from Staysure which cost around £150PA (though they added another £120 last year because I had two chest infections!) I was turned down for life insurance earlier this year due to the diagnosis. My daughter who is in her 30s has just applied for life insurance and the company is insisting she is tested for PKD, because I have it. We can trace no evidence of PKD in my family, so I may be one of the 10% which just occurs and isn't passed on by a parent.

Hope that helps and best of luck with your family's PKD journey

Jackieg888

10 months ago

Hi Chrissy,

Thanks for your reply. We used to travel to the USA each year and hope to go late next year so thank you for the information. We've got insurance for Mark for this short trip to Poland with the post office and it was around £15 but like you say, they wouldn't cover PKD as he's still awaiting the results from the genetic test so not sure if they would once we have them back either. Very good in the sense you didn't have any symptoms before you were diagnosed and are very healthy ..that's really encouraging. Seems for quite a few people it's very manageable. I hope your daughters test is negative... We too have no trace in our family .. my husband and I are having scans in a couple of weeks so it could be that Mark is unfortunately in the 10% . Hope all continues to be well for you and your daughter.

Best regards,

Jackie

1 like