Gallbladder conditions travel insurance.

Leave the worry at home with travel insurance for a gallbladder condition

If you’re going on holiday with a gallbladder condition, it’s important that you tell us about your condition, along with any other pre-existing medical conditions, when you buy your travel insurance.

With our cover for gallbladder conditions, if the worst happens on holiday, you’ll feel well protected. After all, if anything goes wrong, we’ll always aim to put things right.

Flexibility to change details online

When you buy a policy from us, you can manage it yourself by logging in to your My Avanti account. Here you can:

• access policy documents
• update traveller details
• change your single trip dates (limits apply)
• renew an annual policy if you have no changes to make
• and more.

If you have questions about Covid-19 and how it affects your holiday plans, visit our Covid-19 help page.

Why letting us know about your gallbladder condition is important

John¹ was on holiday in the USA in February 2019 when he had an unfortunate accident.

Having received urgent medical attention at a hospital, he phoned our medical emergency medical support team for help.

We set John’s mind at rest straight away, reassuring him that we’d contact the hospital directly to sort out the bill.

Because of us, John didn’t have to make any credit card payments, or dip into his life savings. With our help, he was able to focus on what was really important – getting better.

Where possible, if a medical bill comes to more than £350, we’ll try to pay it directly to the hospital.

It’s vital that your travel insurance matches your medical history. As John knows, if you’re unlucky enough to have an accident, our travel insurance is there to help put things right.

Do I need to have had both my Covid jabs to be covered?

As long as you’ve had the vaccines you’ve been offered for Covid-19, you should be covered. If you haven’t been offered both doses yet or you’re medically exempt then you can also be covered.

If you’ve refused any doses of the vaccine or haven’t been able to have a dose you’ve been offered, you won’t be covered.

What sort of questions will I be asked about my gallbladder condition?

To make sure the quote we give you matches your personal needs, we’ll ask a few simple questions about your gallbladder and other health conditions. It’s all quite straightforward and we’re always there to answer any questions you may have.

Depending on the nature of your condition, they may include:

• Are you awaiting any procedures to treat your gallbladder or bile ducts?
• Have you had any symptoms related to your gallbladder or bile ducts in the last 12 months?
• If you have gallbladder cancer, has there ever been a spread from the bile duct to other parts of the body?
• If you have a gallbladder polyp, is this polyp benign or malignant?
• Has there ever been a spread from the bile duct to other parts of the body?
• Have you had a cholecystectomy? (gallbladder removal)?
• If you have had gallbladder removal, are you awaiting any further investigations or treatment for biliary stones?
• How long ago was your last procedure to the gallbladder?

If I buy my travel insurance but then my medical conditions change, what should I do?

You’ll need to let us know as soon as you can. Don’t worry, we specialise in covering people who have pre-existing medical conditions, and we understand they can suddenly change. Call our Customer Service Team and they’ll be happy to help.

As long as we can insure your updated health conditions, we will be able to add them to your policy.

Forgetting to tell us about a health condition may affect the validity of your travel insurance, and your claim could be denied if you need us in the future.

Is my gallbladder condition covered by my Global Health Insurance Card (GHIC)?

If you’re planning a holiday to Europe, you’ll need to take a free GHIC (or an EHIC) as a condition of our travel insurance.

When the United Kingdom left the European Union, the GHIC replaced the EHIC as the means for accessing free or subsidised healthcare in selected European countries. Before you travel, make sure you check that your destination is covered by GHIC, just so you’re ready if you do need any emergency or necessary treatment for your gallbladder condition during your trip.

Remember, your GHIC is not the same as having good health conditions travel insurance. For example, it won’t cover you if you need to cancel your holiday.

Your GHIC helps reduce your medical costs where subsidised healthcare is available. If you can use your GHIC and have to pay a subsidised fee for your treatment, we’ll remove the excess fee on medical emergency claims for you.