Do you have to declare high cholesterol on travel insurance? (2024)

Do you have to declare high cholesterol on travel insurance?

The short answer is, yes! Although high cholesterol is often seen as a minor condition, it's important to declare it on your travel insurance policy in case of any linked conditions. That way, if something happens to you whilst you're away, you can rest assured with peace of mind that it is covered.

What is considered high cholesterol for travel insurance?

Generally, a healthy cholesterol level is considered to be a total cholesterol (TC) level of fewer than 5 millimoles per litre (mmol/L), and anything over this would be deemed a high cholesterol level.

Is high cholesterol a pre-existing condition for insurance?

A pre-existing medical condition (PEMC) is an illness or injury you had before your policy began or was renewed. Examples of pre-existing medical conditions include, diabetes, asthma, high cholesterol or a long-term back condition.

Does cholesterol medication affect travel insurance?

High levels of cholesterol in your blood can lead to greater risk of heart conditions and strokes, therefore it is important to notify your insurer of this medication to ensure you are fully covered for anything that could be directly or indirectly related.

What do insurance companies consider high cholesterol?

What is considered high cholesterol when applying for life insurance? Typically, cholesterol over 200 is considered borderline high from a medical perspective. However, insurance companies may still offer preferred best rates for people with cholesterol of 275 or 300.

Can I fly with high cholesterol?

Consider visiting your doctor for a health check-up before you travel. Your doctor will be able to tell you whether your plans are suitable. If your cholesterol levels are high, they may be able to recommend a better time for you to travel or for you to change your holiday slightly.

Does being on statins affect travel insurance?

People taking statins for high cholesterol could be seen as a higher risk - even if you're fully managing your condition by taking the medication. But if you're taking statins as a precaution and your cholesterol levels have never been raised, then the cost of your policy shouldn't be affected.

Is high cholesterol considered a medical condition?

Common medical terms for high blood cholesterol are lipid disorder, hyperlipidemia, or hypercholesterolemia, with the last being the most precise.

Does high cholesterol affect life insurance premium?

If you have high cholesterol and need life insurance quickly, you can expect to pay a higher premium than if your cholesterol levels are lower. If you have time to lower your cholesterol levels before buying a policy, you might see a lower rate.

Can you be denied health insurance for pre-existing conditions?

Under the Affordable Care Act, health insurance companies can't refuse to cover you or charge you more just because you have a “pre-existing condition” — that is, a health problem you had before the date that new health coverage starts. They also can't charge women more than men.

What if I forgot my Lipitor on vacation?

Call the pharmacy and explain the situation. Call your home pharmacy and ask them to transfer your medication. If your home pharmacy won't transfer the prescription, call your primary care provider.

What is considered a heart condition for travel insurance?

Travel and holiday insurance for people with heart conditions. Heart conditions - it's a vague term and could be anything from heart arrhythmia to heart failure, disease, angina or heart attacks.

What conditions are not covered by travel insurance?

Conditions which may not be covered

Conditions like terminal illness, the need for oxygen, pending surgery, chronic lung disease, cardiovascular disease, specific types of cancer, congestive heart failure, and recurring pain are generally excluded from coverage.

What is the cut off for high cholesterol?

Here are the ranges for total cholesterol in adults: Normal: Less than 200 mg/dL. Borderline high: 200 to 239 mg/dL. High: At or above 240 mg/dL.

What happens when a person has cholesterol of 350?

With high cholesterol, you can develop fatty deposits in your blood vessels. Eventually, these deposits grow, making it difficult for enough blood to flow through your arteries. Sometimes, those deposits can break suddenly and form a clot that causes a heart attack or stroke.

Is high cholesterol considered a heart condition?

Cholesterol plaque and calcium cause your arteries to become hard and narrow. So, your heart has to strain much harder to pump blood through them. As a result, your blood pressure becomes too high. High blood pressure and high cholesterol are two of the biggest causes of heart disease.

What can throw off a cholesterol test?

You have to fast for about 10 hours before the test because triglyceride levels can shoot up 20%–30% after a meal, which would throw off the equation. Alcohol also causes a triglyceride surge, so you shouldn't drink alcohol for 24 hours before a fasting cholesterol test.

Is banana good in high cholesterol?

And don't forget about bananas! They lower cholesterol by removing it from your digestive system, preventing it from moving into your bloodstream and clogging your arteries. Slice bananas on top of morning oats with a tablespoon of chia seeds for an extra healthy boost.

Should I panic about high cholesterol?

There are usually no symptoms of high cholesterol. But if left untreated, it can lead to heart attack and stroke. It's often a hidden risk factor which means it can happen without us knowing until it's too late. That is why it's so important to get your cholesterol level checked.

Do you have to declare blood thinners on travel insurance?

Travel insurers will most likely take into consideration the pre-existing medical condition for which you are taking the blood thinners, in addition to the potential for any complications that may arise from you taking the blood thinners.

Why do some doctors not recommend statins?

While statins are highly effective and safe for most people, they have been linked to muscle pain, digestive problems and mental fuzziness in some people. Rarely, they may cause liver damage.

What pre-existing conditions are not covered?

Health insurers can no longer charge more or deny coverage to you or your child because of a pre-existing health condition like asthma, diabetes, or cancer, as well as pregnancy. They cannot limit benefits for that condition either.

Why is my LDL so high but I am healthy?

It is possible for your cholesterol to be high even when you are eating a healthy diet and exercising. Though high cholesterol is typically related to your diet, you may also have a genetic condition that makes it hard for your body to eliminate excess cholesterol.

Can a person with high cholesterol reverse it without statins?

And can you lower cholesterol without medication? There's scientific evidence to show that changing the things you eat can help naturally lower cholesterol levels, as can exercising and stopping smoking. This can be enough to lower your need for medication — or remove it altogether.

How do I lower my LDL quickly?