Travel insurance for Fatty Liver
As the name suggests, fatty liver is a condition caused by a build up of fat in the liver. It may occur due to excessive drinking, which is known as alcohol-related fatty liver disease, or for other reasons that are not alcohol-related, such as being overweight or obese. This second type of fatty liver is called non-alcohol related fatty liver disease.
According to the NHS, it’s thought that as many as one in three people has some small accumulation of fat in their liver, which in many cases causes no problems at all. However, long-term fatty liver can lead to further damage over time, resulting in inflammation and eventually cirrhosis – scarring of the liver. Cirrhosis is a non-reversible and potentially serious condition that can lead to liver failure. Before this stage though, it’s possible to control and even reverse a build up of fat in the liver through healthy lifestyle changes.
Taking a holiday should not be out of reach if you have been diagnosed with a fatty liver, but you should think about how you will look after your health while you’re away. The most important thing for anyone with a pre-existing medical issue, such as fatty liver, is to ensure you have specialist travel insurance that covers your condition.
The different types of fatty liver
The liver is a very robust organ that can regenerate itself over time. But, when it accrues a build-up of fat, the liver cannot function as it should.
As we mentioned before, fatty liver disease is separated into two different classifications, depending on what causes it.
Alcohol-related fatty liver disease happens as a result of drinking too much alcohol, which creates fat deposits around the organ, even after just a couple of days. Unless the liver is severely damaged, alcohol-related fatty liver disease doesn’t usually cause any symptoms, but it can lead to further liver damage if the liver is regularly exposed to too much alcohol. The good news is that simply not drinking alcohol can help to reverse the effects of alcohol-related fatty liver disease; the liver can be back to normal in just two weeks.
Non-alcohol related fatty liver disease is not caused by alcohol consumption but can be caused by a number of factors. These include:
- Being overweight or obese, especially if your body is an ‘apple-shape’, with fat stored around your waist
- Being over the age of 50
- Having type 2 diabetes
- Having high cholesterol
- Having high blood pressure
Unless the condition is in the advanced stages, you probably won’t experience any symptoms of a non-alcohol related fatty liver.
Do I really need travel insurance that covers fatty liver?
As it doesn’t cause any symptoms, you might wonder if you really need to let your travel insurance provider know if you have fatty liver disease. Yet, because it is always possible for the condition to worsen and develop into more severe liver damage, it is vital that you declare fatty liver condition on your travel insurance policy.
This way, if you were to need healthcare related to your liver condition while you are on holiday, you wouldn’t be left with a large medical bill. Overseas treatment can be very expensive, but travel insurance is there to protect you from such costs. Having said that, many standard travel insurance providers will exclude people with long-term health conditions, like fatty liver disease, which is why medical travel insurance providers like Free Spirit exist. We make it our mission to offer travel cover to people of any age who may have existing medical conditions.
As well as covering this liver condition, our fatty liver travel insurance includes many essential aspects of holiday cover, from cover that ensures you can get home again if you cannot travel as planned, to protection for your important travel documents against loss, damage or theft. Our cancellation cover kicks in from the moment your policy is confirmed and is there to guard you financially* in the event that your health prevents you from being able to take your trip.
How can I get travel insurance for fatty liver?
It’s simple to receive a free, no-obligation quote for fatty liver travel insurance from Free Spirit. If you’d like to speak to one of our friendly, UK-based travel insurance experts, they are available on 02392 419 080 from 8am to 6pm, Monday to Friday, excluding Bank Holidays.
Or, for a quick and easy online quote anytime, please use our online application system. We’ll need to know a bit about your condition, so we will need to ask you a few questions. These may vary, but will likely include some or all of the following:
- Have you had a liver transplant?
- Are you on a waiting list for a liver transplant?
- Are you jaundiced?
- How many unplanned hospital admissions for this condition have you had in the last twelve months?
- Have you had oesophageal varices (swollen blood vessels) diagnosed?
Travelling with fatty liver disease
As you will know if you have a fatty liver, the best way to avoid further liver damage is to adopt and maintain a healthy lifestyle. You should not smoke or drink alcohol, and you should aim to lose weight carefully if you are overweight or obese, both through exercise and eating a balanced diet.
A holiday is a welcome break from the norm, but it shouldn’t be a complete vacation from all things healthy; especially when this could negatively affect your liver condition. Try to make healthy choices while you’re away on holiday just like you would do at home, this is the best way to ensure your trip doesn’t come at the expense of your health.
While many standard travel insurance companies decline to cover pre-existing conditions such as fatty liver disease, a specialist provider like Free Spirit is dedicated to offering medical travel cover. Our travel insurance can cover people of any age with medical conditions*.
In many parts of the world it often does not take much to run up large medical costs, should the unexpected happen. Free Spirit travel insurance specifically designed to cover fatty liver therefore is essential. You need to be certain that you will be able to access the healthcare you might need wherever your travels take you, and that you won’t be left with the bill. Our policy also provides, as standard, cover for cancellation, repatriation, cutting short your trip, personal possessions, passport & documents, travel delay and missed connections.
Contact us today to find out more about our travel insurance for fatty liver disease. You can apply for a no-obligation quote online or, if you’d rather speak to someone, call our friendly team of UK-based travel insurance specialists on 02392 419 080 (Monday – Friday, 8am – 6pm, except Bank Holidays).
*subject to terms, conditions and limits of the insurance policy.