With sleep apnoea you really should take travel insurance out when you go on holiday or travel abroad just in case you fall ill and need medical treatment as the NHS will not provide treatment whilst you are on holiday. The cost of receiving medical treatment outside the UK can be very expensive and the travel insurance will repay most of these costs provided you took it out before you left for your holiday.
In addition if you need assistance to get home, like an ambulance or medical staff to accompany you, then the travel insurance will pay for the costs associated with repatriation too.
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 sleep apnoea
Travellers with sleep apnoea have in the past paid significantly more for their travel insurance as those with sleep apnoea, 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.
Additional rating factors which effect travel insurance are connected conditions and whether this condition has caused you to cut short or cancel a holiday in the past.
Sleep apnoea and travel insurance
is a type of sleep disorder characterized by pauses in breathing or instances of shallow or infrequent breathing during sleep. Each pause in breathing, called an apnea, can last from at least ten seconds to several minutes, and may occur 5 to 30 times or more an hour. Similarly, each abnormally shallow breathing event is called a hypopnea. Sleep apnea is often diagnosed with an overnight sleep test called a polysomnogram, or "sleep study".
There are three forms of sleep apnea: central (CSA), obstructive (OSA), and complex or mixed sleep apnea (i.e., a combination of central and obstructive) constituting 0.4%, 84% and 15% of cases respectively. In CSA, breathing is interrupted by a lack of respiratory effort; in OSA, breathing is interrupted by a physical block to airflow despite respiratory effort, and snoring is common.
Regardless of type, an individual with sleep apnea is rarely aware of having difficulty breathing, even upon awakening. Sleep apnea is recognized as a problem by others witnessing the individual during episodes or is suspected because of its effects on the body (sequelae
). Symptoms may be present for years (or even decades) without identification, during which time the sufferer may become conditioned to the daytime sleepiness and fatigue associated with significant levels of sleep disturbance.
All of these factors will be taken into account when you apply for travel insurance with sleep apnoea.
In addition, those that are waiting for a diagnosis or additional tests face the highest 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.