With an allergy 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 an allergy
Travellers with an allergy have in the past paid significantly more for their travel insurance as those with allergy, 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 connected conditions and whether this condition has caused you to cut short or cancel a holiday in the past.
Allergy and travel insurance
is a hypersensitivity disorder of the immune system. Allergic reactions occur when a person's immune system reacts to normally harmless substances in the environment. A substance that causes a reaction is called an allergen. These reactions are acquired, predictable, and rapid. Allergy is one of four forms of hypersensitivity and is formally called type I
) hypersensitivity. Allergic reactions are distinctive because of excessive activation of certain white blood cells called mast cells and basophils by a type of antibody called Immunoglobulin E (IgE). This reaction results in an inflammatory response which can range from uncomfortable to dangerous.
Mild allergies like hay fever are very common in the human population and cause symptoms such as red eyes, itchiness, and runny nose, eczema, hives, or an asthma attack. Allergies can play a major role in conditions such as asthma. In some people, severe allergies to environmental or dietary allergens or to medication may result in life-threatening reactions called anaphylaxis. Food allergies, and reactions to the venom of stinging insects such as wasps and bees are often associated with these severe reactions.
All of these factors will be taken into account when you apply for travel insurance with allergy.
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.