Tommy Lloyd
Author: Tommy Lloyd, Managing Director

Tommy has over 15 years experience within the insurance industry, and his primary focus is helping travellers find the right cover for their medical conditions.

Originally posted: 18th Dec 2019

Why do I need travel insurance for gallstones?

Thousands of holidaymakers claim on travel insurance each year - so it always pays to be prepared. 

That means making sure you’re covered for any pre-existing medical conditions, such as gallstones. This condition is fairly common in the UK with more than 1 in 10 adults having gallstones and although only a minority of people will develop symptoms it is still highly recommended that you find specialist cover.

A specialist travel insurance policy covering gallstones is there to protect you should you ever experience a fluctuation in your symptoms that require medical attention, or even surgical intervention during your holiday.

You can compare lots of different quotes here, we've made it nice and easy for you, with everything in one place.

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How do I declare my condition?

You can compare lots of different quotes here, we've made it nice and easy for you, with everything in one place.

When you declare gallstones as a condition, you might be asked a few questions to help providers gain a better understanding of your condition and general medical history. 

This enables travel insurance providers to offer you the right type of medical coverage to suit your personal needs. 

Here is a list of some questions you may be asked during the medical screening: 

  • Have you had a cholecystectomy? 
  • Are you awaiting any further investigations or treatment for biliary stones? 
  • 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?. 

What does gallstones travel insurance typically cover?

By declaring gallstones on your policy, you can rest assured that your cover will take into account your condition, and any impact it has on your trip. For example, if your gallstones flares up before your holiday, or whilst you are away.

Standard travel insurance policies can vary depending on terms of the insurance provider, but you will usually find that most will cover the following: 

  • Emergency Medical Expenses and Repatriation - if you need any emergency medical assistance or full medical repatriation back to the UK as a result of your condition.  
  • Lost, Stolen or Damaged Personal Belongings - including any medication that you’ve brought along to treat gallstones.  
  • Cancellation and Curtailment - if you suddenly decide to cancel your trip, or end up cutting it short.
  • Travel Delay - this won’t always be included, check with your provider.
  • Personal Liability - if you cause accidental damage to another person or someone else’s property - cover is provided.
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Optional Extras

Also, feel free to add any optional extras that you need - such as gadget cover, cruise cover or winter sports cover.  

This may increase your premium, but it’s definitely something to consider when shopping around, especially if you have different types of holidays planned.

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Tips for travelling with gallstones

When it comes to travelling with gallstones, it’s important to be mindful of your condition at all times. 

  • Understand your symptoms. It’s important to keep in mind that your symptoms could change quickly - so it’s worth taking all the precautions you need to ensure your journey is as comfortable as it can be. 
  • Manage your diet. This is vital, so be sure to keep a consistent diet that won’t aggravate your symptoms - and of course, drink plenty of water.
  • Take enough medication to last you the trip. You don't want to be cut short. You can find out more about travelling with medication here. 

Get quotes from specialist gallstones travel insurance providers

Compare gallstones travel insurance quotes quickly and easily with us online today. 

Use our straightforward online quote comparison tool and get covered with minutes, with a specialist travel insurance policy covering gallstones. 

You’ll have plenty of choice across a range of leading providers - and we'll help find you the right protection for your conditon.

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Yes - you can declare gallstones as a pre-existing condition when using our quick and easy online quote comparison tool. From here you can find a suitable policy covering gallstones in a matter of minutes. Get a quote.

It’s possible to find competitive quotes across a range of leading providers. The most important thing is to find a policy that includes the right type of cover, rather than selecting the cheapest quote. Get a quote

While the EHIC provides a certain level of medical coverage, it's likely that the cover will be restricted - so it’s important to ensure that you purchase a specialist travel insurance policy to cover gallstones also.

Provided you have the right cover, you can claim against any expenses you incur following a medical emergency in a country whilst on holiday.

You should tell us about the medical condition that required the procedure/operation. We will then ask about any treatments in the follow-up questions if this information is necessary.

*Price is based on 1 traveller aged 61 who has declared gallstones and is travelling to Spain for 7 nights. Price is correct as of December 2019. Prices may vary according to your individual requirements.


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