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.
Why do I need travel insurance for gallstones?
Gallstones are pretty 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 before you travel.
A specialist travel insurance policy covering gallstones is there to protect you and offer you peace of mind should you ever experience a fluctuation in your symptoms that requires medical treatment or even surgical intervention during your holiday.
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Do I have to declare gallstones on my travel insurance policy?
If you’ve been prescribed medication, recently diagnosed with gallstones or seen a medical professional (such as a GP) in the last 2 years, then you will need to tell us about your gallstones. Please note that you’ll have to include any relevant health conditions of your travelling companions if you’re getting a group policy.
When you’re telling us about your pre-existing medical conditions, it’s likely that we’ll ask a few questions about your health condition as part of a medical screening. The answers you provide will help travel insurance providers get a better understanding of your condition and general medical background.
For example, you might be asked:
- Have you had a cholecystectomy? (Gall bladder removal)?
- Are you awaiting any procedures to treat your gall bladder or bile ducts?
- Have you had any symptoms related to your gall bladder or bile ducts in the last 12 months?
- Is there any further investigation or treatment for biliary stones or any other complication?
- Has this condition ever caused you to cancel or cut short any travel plans?
What will travel insurance for gallstones cover?
By declaring gallstones as part of your holiday insurance with medical conditions, 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 flare up before your holiday and you are too ill to travel, or if you need medical attention whilst you are away.
Travel insurance policies can vary depending on the terms of the insurance provider, but you will usually find that most insurance policies will cover the following:
- Emergency medical expenses and repatriation - if you need any emergency medical assistance or need to be brought back to the UK for treatment 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, so please 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 for your travels - such as gadget cover, cruise cover or winter sports cover.
These extras might alter the price of your policy, but it’s definitely something to consider when shopping around, especially if you have different types of holidays planned.
Get a quoteTips 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.
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Gallstones can cause unexpected symptoms or complications that may require medical attention during your trip. By having specialised travel insurance, you’re protected against costs for emergency medical treatment, cancellations due to illness, or even repatriation if you can’t continue your holiday. It provides peace of mind, so you can enjoy your travels worry-free.
Yes, it’s important to declare gallstones and any other pre-existing medical conditions you may have, when purchasing travel insurance. If you’ve been diagnosed, prescribed medication, or seen a medical professional for gallstones in the past two years, this needs to be disclosed.
Your insurer may ask further questions about treatments, procedures, or symptoms experienced in the last year to tailor the cover to your needs.
For more information on what you must declare, read our guide here.
Specialist gallstones travel insurance usually includes:
- Emergency medical expenses and repatriation – If you require urgent medical treatment or need to be returned to the UK.
- Cancellation or curtailment – If you can’t travel or need to cut your trip short due to your condition.
- Lost, stolen or damaged personal belongings – Including any essential medication you bring with you.
Always check the details of your policy to fully understand your cover.
Yes, many insurers provide cover for multiple pre-existing conditions. When completing your medical declaration, provide details of all conditions to ensure complete protection. This is particularly important if gallstones are linked to other health issues.
To travel comfortably, remember to:
- Pack enough medication to last your entire trip, plus extra in case of delays.
- Stick to a gallstone-friendly diet, avoiding foods that can trigger symptoms.
- Stay hydrated throughout your journey.
- Always have your insurance documents and the emergency contact number for your insurer with you.
Yes, competitive quotes are available from providers specialising in medical cover. The key is to prioritise finding the right level of cover for your condition rather than simply selecting the cheapest option. Use tools like our quote comparison service to easily find policies tailored to your needs.
While an EHIC/GHIC (European Health Insurance Card/Global Health Insurance Card) offers some level of medical care within Europe, it doesn’t cover all costs, such as repatriation or extended care. Comprehensive travel insurance is strongly recommended to ensure you’re fully protected.
Definitely! You can extend your policy with optional extras, like:
- Gadget cover for phones, laptops, or cameras.
- Cruise cover if your trip involves travelling by sea.
- Winter sports cover if you plan to hit the slopes.
Ask your provider about the extras available and whether they match your holiday plans.
If you have a medical emergency during your trip, your specialist travel insurance could cover your medical expenses and, if necessary, your repatriation back to the UK.
Always ensure you carry your insurance documents and emergency contact details with you while travelling.
Learn more about finding medical care whilst abroad, in our guide here.
Start by using our online comparison tool to compare quotes from trusted providers. It’s quick and easy—no paperwork or endless phone calls. Find your policy today and travel with confidence.
* Price is based on 1 traveller aged 61, who has declared Gallstones and is travelling to France for 7 nights. The price is correct as of January 2025. Prices may vary according to your individual requirements.
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If we're unable to help you find cover for a pre-existing medical condition, the Money Helper Directory has listings of companies that may be able to assist you. Further details can be found on their website.