Travel Insurance for Organ Transplants
What is an organ transplant?
An organ transplant is an operation that places a healthy organ from one person to another. The organs are donated to someone with damaged organs that need to be replaced. An organ transplant may save a person’s life, or significantly improve their health and quality of life.
Organ transplants have been performed as far back as the start of the 20th century. Surgeons have been able to perform these procedures due to advances in surgical techniques but also, because of a better research into organ rejection when the body rejects a donor organ, as it fails to recognise it.
If you have had a kidney transplant, heart transplant or even a transplant involving more than one major organ, it may have been some time since you were able to travel abroad for a holiday. Everyone deserves a holiday whether it is close to home in the UK, a sunny beach holiday in Europe or even a road trip through the American states. However travelling abroad can be tricky if you’re an organ transplant patient, especially when it comes to insurance and you may think you won’t be able to get the cover you need.
Here is the timeline for successful transplants:
- 1905: Cornea
- 1950: Kidney
- 1966: Pancreas
- 1967: Liver
- 1981: Heart / Lung
- 1983: Lung lobe
- 1984: Double organ
- 1986: Double lung transplant
- 1998: Hand
- 2005: Ovarian
- 2005: Partial Face
- 2006: Jaw
- 2008: Complete full double arm
- 2010: Full facial
- 2011: Double leg
Getting the right holiday insurance for organ transplants
Many standard travel insurance policies may exclude cover for serious surgical procedures such as organ transplants or will decline to offer cover. It is vital to check the policy wordings to make 100% sure you have the right cover for you.
As long as your doctor or treating consultant has agreed you are fit to travel and provided you’re not awaiting surgery or further investigations, Free Spirit will aim to offer a quotation. Our specialist travel insurance policy can provide the travel cover you need not just for your organ transplant but any other medical conditions, no matter how recent they may be.
We pride ourselves on being flexible with our medical screening process and our insurance policy has been designed for people like you. We are confident that we can help you obtain insurance for that extra peace of mind protection!
Key features of our medical condition travel insurance policy
If you fail to purchase adequate pre-existing medical condition travel insurance, you could be left paying an expensive hospital bill if you had a medical emergency while travelling. Depending on where you are travelling to, some countries may charge for hospital treatment so don’t expect the same service you receive at home. Also if you don’t have a 24 hour medical emergency helpline to call, how will you know where to go for medical assistance?
We can provide you with significant cover benefits such as:
- Medical emergency helpline available to you 24 hours a day, 365 days a year
- Cancellation or Curtailment/Loss of holiday cover up to £5,000*
- Loss or damage to medical aids up to £2,000*
- Loss of damage to prescribed medications £500*
- Repatriation to your home country is automatically included
- Personal money & documents £1,000*
- Personal baggage cover up to £3,000*
- Missed departure / missed connection £1,500*
*with Super Duper cover
Should you need to make a claim against your Free Spirit policy when you return home, you will be pleased to hear we have our own in-house dedicated Free Spirit claims team and they are available Monday to Friday 9am-5pm, closed bank holidays. Details of our claims procedure can be found in the policy wording.
Why not try us today and get a quote
Obtaining an online quote couldn’t be easier as we can provide you with a simple to use online medical screening service. You will need to answer some questions about your specific organ transplant and here are some examples:
- Are you currently on dialysis?
- How long is it since you had your transplant?
- Have you had any episodes of rejection within the last year?
- Have you been admitted to hospital in the last 12 months for treatment related to your transplant?
We will also ask you all the necessary questions to enable you to declare any other associated medical conditions you may have. It is vital that you declare all of your medical conditions as otherwise you may not be fully covered.
Should you need any help whilst getting a quote or if you have any questions not covered by our frequently asked questions page, our dedicated UK based customer services team are on hand to help you. You may prefer for us to issue the policy for you and you can call us on 0800 170 7704; we’re open Monday to Friday 8am-6pm, closed Bank Holidays.
Peace of mind included
If you have had an organ transplant it would be understandable for you to feel slightly anxious or even nervous about travelling abroad, this is only natural. Most people may prefer to travel as part of a group of friends or go away with close family members. Whoever you choose to travel with, it is always a good idea to include them on your Free Spirit policy whether they have a pre-existing medical condition or not.
Should the worse happen and you need emergency hospital care, not only will our medical emergency helpline assist with finding suitable hospital care, they can also authorise for an insured adult on the same policy to stay with you, terms and conditions apply.
No one likes to think something will happen to them when away from home but you can be confident in the knowledge Free Spirit can provide the cover for a carefree trip!
Last updated: 3rd June 2016.