With sarcoidosis you really should take travel insurance out when you go on holiday or travel abroad just in case you fall ill and need medical treatment as the NHS will not provide treatment whilst you are on holiday. The cost of receiving medical treatment outside the UK can be very expensive and the travel insurance will repay most of these costs provided you took it out before you left for your holiday.
In addition if you need assistance to get home, like an ambulance or medical staff to accompany you, then the travel insurance will pay for the costs associated with repatriation too.
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 sarcoidosis
Travellers with sarcoidosis have in the past paid significantly more for their travel insurance as those with sarcoidosis, 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.
Additional rating factors which effect travel insurance are high blood pressure, high cholesterol and whether you smoke.
Sarcoidosis and travel insurance
, also called sarcoid
, Besnier-Boeck disease
or Besnier-Boeck-Schaumann disease
, is a syndrome involving abnormal collections of chronic inflammatory cells (granulomas) that can form as nodules in multiple organs. The granulomas are most often located in the lungs or the lymph nodes, but any organ can be affected. Onset is usually gradual. Sarcoidosis may be asymptomatic or chronic. It commonly improves or clears up spontaneously. More than two-thirds of people with lung sarcoidosis have no symptoms after 9 years. About 50% have relapses. About 10% develop serious disability. Lung scarring or infection may lead to respiratory failure and death. In chronic cases, symptoms may fluctuate over many years. Sarcoidosis seems to be caused by an immune reaction to an infection that continues after the cause of the infection is gone.
All of these factors will be taken into account when you apply for travel insurance with sarcoidosis.
In addition, those that are waiting for a diagnosis or additional tests face the highest 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.