If you have headaches you should 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 headaches
Travellers with headaches have in the past paid more for their travel insurance as those with headaches, 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 headaches, but for the same person with headaches, the premium could be £36.41, that’s around 3 times more expensive.
Typically customers with headaches 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.
Headaches and travel insurance
is pain anywhere in the region of the head or neck. It can be a symptom of a number of different conditions of the head and neck. The brain tissue itself is not sensitive to pain because it lacks pain receptors. Rather, the pain is caused by disturbance of the pain-sensitive structures around the brain. Nine areas of the head and neck have these pain-sensitive structures, which are the cranium (the periosteum of the skull), muscles, nerves, arteries and veins, subcutaneous tissues, eyes, ears, sinuses and mucous membranes.
There are a number of different classification systems for headaches. The most well-recognized is that of the International Headache Society. Headache is a non-specific symptom, which means that it has many possible causes. Treatment of a headache depends on the underlying etiology or cause, but commonly involves analgesics.
All of these factors will be taken into account when you apply for travel insurance with headaches.
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.