Getting the right travel insurance when you have gallstones

When you’re taking a holiday with a pre-existing medical condition such as gallstones, it’s a good idea to set out with proper travel insurance.

That way you know that if something goes wrong, whether it’s a medical problem or something else connected to your trip, you’re covered.

With our expert travel insurance you can tailor your policy to your needs. You’ll have the level of cover you want: for your possessions, for your travel plans, and for your medical condition.

We think travel insurance is worth doing right, and our customers seem to agree. They’ve voted us the UK’s Most Trusted Travel Insurance Provider**.

So wherever the travel bug takes you, isn’t it best to go with proper protection and peace of mind?

You can get a tailored quote for gallstones travel insurance online in minutes, or talk to us now on 0800 033 4902.

Why do I need travel insurance with gallstones?

Gallstones shouldn’t be an obstruction to a great holiday. But whatever kind of trip you’ve set your heart on, we think you’ll agree: it’s best to take precautions.

Most holidays are thankfully unmarked by mishaps – but as many as 1 in 20 aren’t. That’s the rate at which people claimed on their Annual Travel Insurance in 2017***.

It could be delayed luggage, or cancellations, lost property, or even a medical emergency. Bills for medical treatment can also be crushingly heavy in many countries, which can add financial woe to medical worries.

But you don’t need to gamble on your holiday running smoothly. A well-tailored travel insurance policy may not stop all problems arising, but it can minimise or cancel out the cost and inconvenience if they do.

Buying your travel policy with us is simple. Our quotation process is easy to follow, and you can have your free quote in minutes.

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What does our travel insurance cover?

Basic Comprehensive
  • Medical emergencies and repatriation up to £5m
  • Cancellation and cutting your holiday short covered from £500 with optional upgrade to £3,000
  • Baggage claims up to £300
  • Cash lost or stolen up to £250
  • Excess £85 – £100
  • Medical emergency and repatriation up to £10m
  • Cancellation and cutting your holiday short covered from £5,000 up to £15,000
  • Baggage loss up to £2,500
  • Cash lost or stolen up to £500
  • Legal protection cover of up to £25,000
  • Excess £65

What is medical screening?

Our medical screening is a way of finding out more about your pre-existing medical conditions. There’s no physical exam.

It’s just a series of questions you’ll be asked about your gallstones and any other medical conditions you have. You just need to give us accurate answers, so that we can make sure you’re properly covered.

You might want to have details of any medical conditions on hand during the screening process. If a medical condition you have is left off your policy, it could mean you are not covered in the event of a claim.

What sort of questions will I be asked?

Questions you’ll be asked may include:

Have you had a cholecystectomy? (Gallbladder removal)
Are you awaiting any procedures to treat your gallbladder or bile ducts?
Are you awaiting any further investigations or treatment for biliary stones?
How long ago was your last procedure to the gallbladder?

You can get a quote online now, or you can call us 0800 033 4902.

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My GP said I should not travel at the moment. I don’t mind paying a higher premium – would you insure me?

Sorry, but no. If your doctor has advised you not to travel there’s probably a good reason for it. We won’t be able to cover you until your doctor gives you the all clear to go.

I had my gallbladder removed last year. Do I have to let you know about this operation?

Yes. This isn’t uncommon with gallstones. When you phone us or complete the online medical screening process, you must declare this and any other pre-existing medical conditions.

Can I use a European Health Insurance Card (EHIC) instead of travel insurance?

Legally, you don’t have to buy travel insurance, but the NHS does advise you to. An EHIC won’t cover you for costs not directly related to medical treatment. That means cancellations, interruptions to your travel, loss of passports etcetera aren’t covered. It also won’t cover you for medical repatriation if you need it.

It’s a condition of our insurance that you take an EHIC if it’s relevant to your travels. But in our view it’s not a substitute for proper travel insurance. (And obviously it doesn’t provide cover for destinations outside the EEA and Switzerland).

If you do use your EHIC and you’ve still had to pay a subsidised fee for healthcare, we’ll remove the excess fee for medical emergency claims.

Please also make sure the place you are visiting in Europe is covered by the EHIC scheme. There a few places such as Jersey and Monaco that are inside the EHIC area but don’t accept it.

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What happens if I have a medical emergency while overseas?

If you’ve bought an insurance policy with us, and you’ve declared all pre-existing medical conditions, then you can breathe easy: you’re covered for any medical emergency abroad.

If you need to call us from anywhere in the world, our emergency line is open 24 hours (you can even reverse the charges). If you need medical treatment arranged with local doctors, we’ll help you do that. We’ll even provide translation services where necessary.

I’ve already bought my policy but my medical condition has changed. What do I do?

If there’s a change to your medical condition before you start your holiday, you must tell us as soon as possible. Otherwise you may not be properly covered if you have to claim. Please call us and we’ll do our best to see if we can increase the coverage where necessary.

If your changed medical condition means you can’t travel, then so long as you have disclosed any pre-existing medical conditions to us before buying your travel policy, you will be covered for cancellation.

Please note: we can increase your policy coverage, but we cannot reduce coverage in return for a partial refund. So please make sure you’re happy with the level of cover when you book.

Can I get extra cover on my policy for a special activity?

Are you thinking of something extra-special on your trip? A river cruise round northern Europe? A skiing adventure? A few rounds of golf? We can help. A Comprehensive policy allows you to you upgrade for extra cover on these and other activities. So having extra fun needn’t mean extra risk.

To get a policy that’s tailored perfectly for you, simply talk to us free on 0800 033 4902 or you can get your quote online in just a few minutes.

Get your travel insurance quote today

Talk to us today on 0800 033 4902. Or, you can get a quote online in just a few minutes below.

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*£15,000 cancellation cover available on comprehensive policies subject to further underwriting criteria
** Moneywise Customer Service Awards 2017 & 2018, based on the biggest survey of financial consumers in Britain.
*** 5.04% of people claimed on their Annual Travel Insurance Policy in 2017.