If you have a hernia 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 a hernia
Travellers with a hernia have in the past paid significantly more for their travel insurance as those with a hernia, 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 a hernia, but for the same person with a hernia, the premium could be £36.41, that’s around 3 times more expensive.
Typically customers with a hernia 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, high cholesterol and whether you smoke.
A hernia and travel insurance
is the protrusion of an organ or the fascia of an organ through the wall of the cavity that normally contains it. There are different kinds of a hernia, each requiring a specific management or treatment.
Signs and symptoms
By far the most common a hernias develop in the abdomen, when a weakness in the abdominal wall evolves into a localized hole, or "defect", through which adipose tissue, or abdominal organs covered with peritoneum, may protrude. Another common a hernia involves the spinal discs and causes sciatica
. A hiatal a hernia occurs when the stomach protrudes into the mediastinum
through the esophageal opening in the diaphragm.
All of these factors will be taken into account when you apply for travel insurance with a hernia.
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.