If you suffer from chronic kidney disease (CKD) you must disclose this on your travel insurance application to be sure that if you need to claim for medical treatment you will be covered.
In addition should you fall sick before departure you would need to claim the lost holiday costs so you could book again when you recover. This is only possible with full disclosure of your chronic kidney disease (CKD).
This link might help if you are looking for travel insurance with chronic kidney disease
What is Chronic Kidney Disease (CKD)?
Chronic kidney disease (CKD), also known as chronic renal disease, is a progressive loss in renal function over a period of months or years. The symptoms of worsening kidney function are non-specific, and might include feeling generally unwell and experiencing a reduced appetite. Often, chronic kidney disease is diagnosed as a result of screening of people known to be at risk of kidney problems, such as those with high blood pressure or diabetes and those with a blood relative with chronic kidney disease. Chronic kidney disease may also be identified when it leads to one of its recognized complications, such as cardiovascular disease, anemia or pericarditis. It is differentiated from acute kidney disease in that the reduction in kidney function must be present for over 3 months.
Chronic kidney disease is identified by a blood test for creatinine. Higher levels of creatinine indicate a lower glomerular filtration rate and as a result a decreased capability of the kidneys to excrete waste products. Creatinine levels may be normal in the early stages of CKD, and the condition is discovered if urinalysis (testing of a urine sample) shows that the kidney is allowing the loss of protein or red blood cells into the urine. To fully investigate the underlying cause of kidney damage, various forms of medical imaging, blood tests and often renal biopsy (removing a small sample of kidney tissue) are employed to find out if there is a reversible cause for the kidney malfunction. Recent professional guidelines classify the severity of chronic kidney disease in five stages, with stage 1 being the mildest and usually causing few symptoms and stage 5 being a severe illness with poor life expectancy if untreated. Stage 5 CKD is often called end stage renal disease (ESRD), end stage renal failure (ESRF), or end-stage kidney disease (ESKD) and is synonymous with the now outdated terms chronic kidney failure (CKF) or chronic renal failure (CRF).
There is no specific treatment unequivocally shown to slow the worsening of chronic kidney disease. If there is an underlying cause to CKD, such as vasculitis, this may be treated directly to slow the damage. In more advanced stages, treatments may be required for anemia and bone disease. Severe CKD requires renal replacement therapy, which may involve a form of dialysis, but ideally constitutes a kidney transplant.
This link might help if you would like to compare travel insurance with chronic kidney disease
Setting up travel insurance if you have Chronic Kidney Disease (CKD) need not be expensive if you go to a specialist website that provide a range of underwriters and options for cover. Be wary of your bank, especially if they offer so called “free cover” as they are unlikely to be specialists and the small print will probably exclude pre-existing medical conditions.
Travel agents are also unlikely to offer a wide selection of specialist travel insurance companies to cover Chronic Kidney Disease (CKD) as they usually only provide quotes from a single company to make their lives easier when training their staff.