If you have a urostomy 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 for people with a urostomy
Travellers with a urostomy have in the past paid significantly more for their travel insurance as those with a urostomy, 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 £13.42 if they didn’t have a urostomy, but for the same person with a urostomy, the premium could be £36.41, that’s around 3 times more expensive.
Typically customers with a urostomy might also suffer with another condition. In our example the premium would still be £36.41 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.
A urostomy and travel insurance
is a stoma (artificial opening) for the urinary system. A urostomy is made to allow for urinary diversion in cases where drainage of urine through the bladder and urethra is not possible, e.g. after extensive surgery or in case of obstruction.
A urostomy is most commonly performed after cystectomy, such as may be necessary in, for example, bladder cancer. Other indications include: Severe kidney disease; Accidental damage or injury to the urinary tract; Surgical complications because of non-related pelvic or abdominal surgery; Congenital defects that cause urine to back up into the kidneys; Continual and severe leakage from the bladder - incontinence.
All of these factors will be taken into account when you apply for travel insurance with a urostomy.
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.