If you have epilepsy 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 with epilepsy
Travellers with epilepsy have in the past paid significantly more for their travel insurance as those with epilepsy, 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 £12.42 if they didn’t have epilepsy, but for the same person with epilepsy, the premium could be £33.42, that’s around 3 times more expensive.
Typically customers with epilepsy might also suffer with another condition. In our example the premium would still be £33.42 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.
Epilepsy and travel insurance
Epilepsy is a common and diverse set of chronic neurological disorders characterised by seizures. It is a paroxysmal behavioral spell generally caused by an excessive disorderly discharge of cortical nerve cells of the brain and can range from clinically undetectable (electrographic seizures) to convulsions. Some definitions of epilepsy require that seizures be recurrent and unprovoked, but others require only a single seizure combined with brain alterations which increase the chance of future seizures. In many cases a cause cannot be identified; however, factors that are associated include brain trauma, strokes, brain cancer, and drug and alcohol misuse among others.
All of these factors will be taken into account when you apply for travel insurance with epilepsy.
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.