If you have high cholesterol you must take travel insurance when you go on holiday or travel abroad just in case you fall ill and need medical treatment. The cost of receiving medical treatment away from the UK can be very high. For those with pre-existing medical conditions travel insurance can be expensive unless you shop around (this link might help you find cheap travel insurance for people with high cholesterol
Travellers with high cholesterol have in the past paid significantly more for their travel insurance as those with high cholesterol, like many other sufferers of a pre-existing condition have had their premiums raised. The travel insurance companies consider those that are under the treatment of a doctor, even on a routine basis, may be more likely to claim and hence cause them to have to pay out.
For example, a 54 year old male, travelling to the United States of America for 1 week would pay around £13.42 if they didn’t have high cholesterol, but for the same person with high cholesterol, the premium could be £36.41, that’s around 3 times more expensive.
Typically customers with high cholesterol might also suffer with another condition. In our example the premium would still be £36.41 assuming the applicant was taking 2 additional medications for high blood pressure.
Additional rating factors which effect travel insurance are high blood pressure, and whether you smoke.
High cholesterol and travel insurance
(also spelled hypercholesterolaemia
) is the presence of high levels of cholesterol in the blood. It is a form of "hyperlipidemia" (elevated levels of lipids in the blood) and "hyperlipoproteinemia" (elevated levels of lipoproteins in the blood).
Elevated levels of cholesterol in the blood may be a consequence of diet, obesity, inherited (genetic) diseases, or the presence of other diseases such as diabetes and an underactive thyroid.
Reducing dietary fat is recommended to reduce total blood cholesterol in adults. In people with very high cholesterol (e.g. familial hypercholesterolemia) diet is often insufficient to achieve the desired lowering and lipid lowering medications which reduce cholesterol production or absorption are usually required. If necessary other treatments, including LDL apheresis or even surgery (for particularly severe subtypes of familial hypercholesterolemia) are performed.
All of these factors will be taken into account when you apply for travel insurance with high cholesterol.
And finally, those that are awaiting a diagnosis or additional tests face the heftiest premiums as what insurers’ hate most of all is uncertainty, especially around the possible risk of falling ill abroad with a condition that isn’t yet well controlled.