Travel & Holiday Insurance for High Cholesterol Medical Conditions (2024)

FAQs

Is high cholesterol a medical condition for travel insurance? ›

Can I get travel insurance with high cholesterol? 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.

In many cases, particularly if your cholesterol is well controlled by medication, adding this to the policy should not impact the price of your insurance.

Examples of pre-existing medical conditions include, diabetes, asthma, high cholesterol or a long-term back condition.

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.

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.

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.

If you're taking statins for controlling cholesterol levels, let your insurer know before you take out a policy. Even though they're a very common medication, they can still affect how likely you are to make a claim. Your best bet is to declare any medication you're on, apart from contraceptive treatment.

Lovastatin was followed by simvastatin (Zocor^®), fluvastatin (Lescol^®), pravastatin (Pravachol^®), atorvastatin (Lipitor^®), pitavastatin (Livalo^®), and rosuvastatin (Crestor^®). Every statin listed here is on the FAA Accepted Medications Database as approved for use while flying.

Non-HDL lipoproteins are known as 'bad cholesterol'. This is because it can build up in blood vessel walls if there's too much. This is known as atherosclerosis. This can lead to heart disease, strokes and peripheral arterial disease (PAD).

Is high cholesterol a major illness? ›

Your body needs cholesterol to build healthy cells, but high levels of cholesterol can increase your risk of heart disease. 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.

With Seven Corners Trip Protection and Seven Corners Trip Protection USA, a pre-existing condition is an illness, disease, or condition you or your travel companion, business partner, or family member booked to travel with you has during the 60 days immediately before your plan starts.

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.

Your body naturally makes cholesterol

“The amount of cholesterol that you eat, doesn't actually impact your own cholesterol very much,” she noted. “And that's because your body is making cholesterol. It makes cholesterol no matter what. Even if you eat no cholesterol, your body makes cholesterol.”

High cholesterol levels can lead to hardening of the arteries, also called atherosclerosis. This occurs when fat, cholesterol, and other substances build up in the walls of arteries and form hard structures called plaques.

It's unlikely that you'll be declined life insurance due to having high cholesterol, however if you have other medical conditions, smoke or are overweight (when combined with high cholesterol) then this could affect your eligibility.

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.

Heart conditions - it's a vague term and could be anything from heart arrhythmia to heart failure, disease, angina or heart attacks. We understand the importance of covering these conditions and any relating complications, therefore have developed a fully comprehensive policy which does just that!

If your high cholesterol has caused you to suffer other serious medical conditions, and you're unable to sustain gainful employment, you may be eligible for disability benefits from the Social Security Administration (SSA). However, the SSA won't approve your disability claim simply because you have high cholesterol.