If you have Factor V Leiden you must take out travel insurance when you go on holiday or travel abroad just in case you fall ill and need medical treatment. People carrying the Factor V Leiden gene have a five times greater risk of developing a blood clot (thrombosis) than the rest of the population even though hopefully this won’t happen to you the travel insurance will provide peace of mind so you can relax.
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 factor v leiden
Travellers with Factor V Leiden have in the past paid significantly more for their travel insurance as those with Factor V Leiden, 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 USA and Canada for 1 week would pay around £13.42 if they didn’t have Factor V Leiden, but for the same person with Factor V Leiden, the premium could be £36.41, that’s around 3 times more expensive.
Typically customers with Factor V Leiden 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.
Factor V Leiden and travel insurance
The genes for the Factor V are passed on from our parents. As with all inherited characteristics, we inherit one gene from our mother and one from our father.
Having one Factor V Leiden gene will result in a slightly higher risk of developing a thrombosis, but having two genes makes the risk much greater.
People who have a Factor V deficiency are more likely to bleed badly while people with Factor V Leiden have blood that has an increased tendency to clot.
People carrying the Factor V Leiden gene have a five times greater risk of developing a blood clot (thrombosis) than the rest of the population. However, many people with the gene will never suffer from blood clots.
In Britain, 5 per cent of the population carry one or more genes for Factor V Leiden, which is far more than the number of people who will actually suffer from thrombosis.
All of these factors will be taken into account when you apply for travel insurance with Factor V Leiden.
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.